NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH

Sumit Agarwal

McDonough School of Business
Room 427
Georgetown University
3700 O Street NW
Washington, DC 20057
Tel: 1-703-388-6389

E-Mail: EmailAddress: hidden: you can email any NBER-related person as first underscore last at nber dot org

NBER Working Papers and Publications

July 2017The Geography of Consumption
with J. Bradford Jensen, Ferdinando Monte: w23616
September 2016Loan Product Steering in Mortgage Markets
with Gene Amromin, Itzhak Ben-David, Douglas D. Evanoff: w22696
September 2015Do Banks Pass Through Credit Expansions to Consumers Who Want to Borrow?
with Souphala Chomsisengphet, Neale Mahoney, Johannes Stroebel: w21567
August 2015Mortgage Refinancing, Consumer Spending, and Competition: Evidence from the Home Affordable Refinancing Program
with Gene Amromin, Souphala Chomsisengphet, Tomasz Piskorski, Amit Seru, Vincent Yao: w21512
March 2014Second Liens and the Holdup Problem in Mortgage Renegotiation
with Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet, Yan Zhang: w20015
February 2014Loan Prospecting and the Loss of Soft Information
with Itzhak Ben-David: w19945
The Effectiveness of Mandatory Mortgage Counseling: Can One Dissuade Borrowers from Choosing Risky Mortgages?
with Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet, Douglas Evanoff: w19920
October 2013Collateral Valuation and Borrower Financial Constraints: Evidence from the Residential Real Estate Market
with Itzhak Ben-David, Vincent Yao: w19606

Published: “Collateral Valuation and Institutional Pressures: Evidence from the Residential Real-Estate Market” (with Ben-David, Z., and V. Yao), Management Science, 2015, Vol. 61(9), Pp.2220-2240 citation courtesy of

Predatory Lending and the Subprime Crisis
with Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet, Douglas D. Evanoff: w19550

Published: Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Chomsisengphet, Souphala & Evanoff, Douglas D., 2014. "Predatory lending and the subprime crisis," Journal of Financial Economics, Elsevier, vol. 113(1), pages 29-52. citation courtesy of

September 2013Regulating Consumer Financial Products: Evidence from Credit Cards
with Souphala Chomsisengphet, Neale Mahoney, Johannes Stroebel: w19484

Published: Sumit Agarwal & Souphala Chomsisengphet & Neale Mahoney & Johannes Stroebel, 2015. "Regulating Consumer Financial Products: Evidence from Credit Cards," The Quarterly Journal of Economics, Oxford University Press, vol. 130(1), pages 111-164. citation courtesy of

December 2012Did the Community Reinvestment Act (CRA) Lead to Risky Lending?
with Efraim Benmelech, Nittai Bergman, Amit Seru: w18609
August 2012Policy Intervention in Debt Renegotiation: Evidence from the Home Affordable Modification Program
with Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet, Tomasz Piskorski, Amit Seru: w18311

Published: Sumit Agarwal & Gene Amromin & Itzhak Ben-David & Souphala Chomsisengphet & Tomasz Piskorski & Amit Seru, 2017. "Policy Intervention in Debt Renegotiation: Evidence from the Home Affordable Modification Program," Journal of Political Economy, University of Chicago Press, vol. 125(3), pages 654-712. citation courtesy of

January 2012Inconsistent Regulators: Evidence From Banking
with David Lucca, Amit Seru, Francesco Trebbi: w17736

Published: Sumit Agarwal & David Lucca & Amit Seru & Francesco Trebbi, 2014. "Inconsistent Regulators: Evidence from Banking," The Quarterly Journal of Economics, Oxford University Press, vol. 129(2), pages 889-938. citation courtesy of

January 2009Payday Loans and Credit Cards: New Liquidity and Credit Scoring Puzzles?
with Paige M. Skiba, Jeremy Tobacman: w14659

Published: Agarwal, Sumit, Paige Marta Skiba, and Jeremy Tobacman. "Payday Loans and Credit Cards: New Liquidity and Credit Scoring Puzzles?" American Economic Review 99, 2 (2009): 412-417. citation courtesy of

February 2008Learning in the Credit Card Market
with John C. Driscoll, Xavier Gabaix, David Laibson: w13822
December 2007The Reaction of Consumer Spending and Debt to Tax Rebates -- Evidence from Consumer Credit Data
with Chunlin Liu, Nicholas S. Souleles: w13694

Published: Sumit Agarwal & Chunlin Liu & Nicholas S. Souleles, 2007. "The Reaction of Consumer Spending and Debt to Tax Rebates-Evidence from Consumer Credit Data," Journal of Political Economy, University of Chicago Press, vol. 115(6), pages 986-1019, December. citation courtesy of

October 2007Optimal Mortgage Refinancing: A Closed Form Solution
with John C. Driscoll, David Laibson: w13487

Published: Sumit Agarwal & John C. Driscoll & David I. Laibson, 2013. "Optimal Mortgage Refinancing: A Closed‐Form Solution," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 45, pages 591-622, 06. citation courtesy of

June 2007The Age of Reason: Financial Decisions Over the Lifecycle
with John C. Driscoll, Xavier Gabaix, David Laibson: w13191
 
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