NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH

NBER Papers on Household Finance

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2016
w22878 Daniel Green
Brian T. Melzer
Jonathan A. Parker
Arcenis Rojas

Accelerator or Brake? Cash for Clunkers, Household Liquidity, and Aggregate Demand
w22882 Paolo Sodini
Stijn Van Nieuwerburgh
Roine Vestman
Ulf von Lilienfeld-Toal

Identifying the Benefits from Home Ownership: A Swedish Experiment
w22883 Andreas Fagereng
Luigi Guiso
Luigi Pistaferri

Portfolio Choices, Firm Shocks and Uninsurable Wage Risk
w22846 Kyle Herkenhoff
Gordon Phillips
Ethan Cohen-Cole

The Impact of Consumer Credit Access on Employment, Earnings and Entrepreneurship
w22851 Peter Diep
Andrea L. Eisfeldt
Scott Richardson

Prepayment Risk and Expected MBS Returns
w22789 Edward Glaeser
Wei Huang
Yueran Ma
Andrei Shleifer

A Real Estate Boom with Chinese Characteristics
w22742 Benjamin J. Keys
Jialan Wang

Minimum Payments and Debt Paydown in Consumer Credit Cards
w22711 Will Dobbie
Paul Goldsmith-Pinkham
Neale Mahoney
Jae Song

Bad Credit, No Problem? Credit and Labor Market Consequences of Bad Credit Reports
w22717 Vanya Horneff
Raimond Maurer
Olivia S. Mitchell

Putting the Pension Back in 401(k) Plans: Optimal versus Default Longevity Income Annuities
w22726 John Ameriks
Joseph Briggs
Andrew Caplin
Matthew D. Shapiro
Christopher Tonetti

Late-in-Life Risks and the Under-Insurance Puzzle
w22684 Mathias Dolls
Philipp Doerrenberg
Andreas Peichl
Holger Stichnoth

Do Savings Increase in Response to Salient Information about Retirement and Expected Pensions?
w22696 Sumit Agarwal
Gene Amromin
Itzhak Ben-David
Douglas D. Evanoff

Loan Product Steering in Mortgage Markets
w22702 Jing Cai
Alain de Janvry
Elisabeth Sadoulet

Subsidy Policies and Insurance Demand
w22633 Dean Karlan
Jake Kendall
Rebecca Mann
Rohini Pande
Tavneet Suri
Jonathan Zinman

Research and Impacts of Digital Financial Services
w22638 Marco Di Maggio
Amir Kermani
Christopher Palmer

How Quantitative Easing Works: Evidence on the Refinancing Channel
w22613 Carlos Garriga
Finn E. Kydland
Roman Šustek

Nominal Rigidities in Debt and Product Markets
w22606 Annamaria Lusardi
Olivia S. Mitchell

Older Women's Labor Market Attachment, Retirement Planning, and Household Debt
w22563 Francesco D’Acunto
Daniel Hoang
Michael Weber

The Effect of Unconventional Fiscal Policy on Consumption Expenditure
w22564 Johannes F. Schmieder
Till von Wachter

The Effects of Unemployment Insurance Benefits: New Evidence and Interpretation
w22517 Oleg Chuprinin
Denis Sosyura

Family Descent as a Signal of Managerial Quality: Evidence from Mutual Funds
w22518 Tal Gross
Matthew J. Notowidigdo
Jialan Wang

The Marginal Propensity to Consume Over the Business Cycle
w22545 Dmitry Taubinsky
Alex Rees-Jones

Attention Variation and Welfare: Theory and Evidence from a Tax Salience Experiment
w22477 Darren J. Kisgen
Matthew Osborn
Jonathan Reuter

Analyst Promotions within Credit Rating Agencies: Accuracy or Bias?
w22455 Jonathan D. Cohen
Keith Marzilli Ericson
David Laibson
John Myles White

Measuring Time Preferences
w22436 Marieke Bos
Emily Breza
Andres Liberman

The Labor Market Effects of Credit Market Information
w22438 David Huffman
Raimond Maurer
Olivia S. Mitchell

Time Discounting and Economic Decision-making Among the Elderly
w22412 Charles Yuji Horioka
Akiko Terada-Hagiwara

The Impact of Pre-marital Sex Ratios on Household Saving in Two Asian Countries: The Competitive Saving Motive Revisited
w22403 Jing Cai
Changcheng Song

Do Disaster Experience and Knowledge Affect Insurance Take-up Decisions?
w22360 Hong Ru
Antoinette Schoar

Do Credit Card Companies Screen for Behavioral Biases?
w22319 Dirk Krueger
Kurt Mitman
Fabrizio Perri

Macroeconomics and Household Heterogeneity
w22324 Adriano A. Rampini
Financing Durable Assets
w22331 Greg Kaplan
Sam Schulhofer-Wohl

Inflation at the Household Level
w22288 Carlos Dobkin
Amy Finkelstein
Raymond Kluender
Matthew J. Notowidigdo

The Economic Consequences of Hospital Admissions
w22293 Adriano A. Rampini
S. Viswanathan

Household Risk Management
w22256 Atif Mian
Amir Sufi

Who Bears the Cost of Recessions? The Role of House Prices and Household Debt
w22258 Michael Bailey
Ruiqing Cao
Theresa Kuchler
Johannes Stroebel

Social Networks and Housing Markets
w22232 Greg Kaplan
Kurt Mitman
Giovanni L. Violante

Non-durable Consumption and Housing Net Worth in the Great Recession: Evidence from Easily Accessible Data
w22148 Efraim Benmelech
Ralf R. Meisenzahl
Rodney Ramcharan

The Real Effects of Liquidity During the Financial Crisis: Evidence from Automobiles
w22161 Zhi Da
Borja Larrain
Clemens Sialm
José Tessada

Coordinated Noise Trading: Evidence from Pension Fund Reallocations
w22065 Patrick Bayer
Kyle Mangum
James W. Roberts

Speculative Fever: Investor Contagion in the Housing Bubble
w22066 Cristian Badarinza
John Y. Campbell
Tarun Ramadorai

International Comparative Household Finance
w22025 John Y. Campbell
Restoring Rational Choice: The Challenge of Consumer Financial Regulation
w22050 Mark Egan
Gregor Matvos
Amit Seru

The Market for Financial Adviser Misconduct
w22004 Patrick Bayer
Fernando Ferreira
Stephen L. Ross

What Drives Racial and Ethnic Differences in High Cost Mortgages? The Role of High Risk Lenders
w21942 Alejandro Justiniano
Giorgio E. Primiceri
Andrea Tambalotti

A Simple Model of Subprime Borrowers and Credit Growth
w21944 Nicholas Barberis
Robin Greenwood
Lawrence Jin
Andrei Shleifer

Extrapolation and Bubbles
w21917 Mariacristina De Nardi
Giulio Fella
Gonzalo Paz Pardo

The Implications of Richer Earnings Dynamics for Consumption and Wealth
w21873 Margherita Borella
Mariacristina De Nardi
Eric French

Rich, Poor, Singles, and Couples. Who Receives Medicaid in Old Age and Why?
w21896 Simon H. Boserup
Wojciech Kopczuk
Claus T. Kreiner

The Role of Bequests in Shaping Wealth Inequality: Evidence from Danish Wealth Records
w21848 Xavier Gabaix
Behavioral Macroeconomics Via Sparse Dynamic Programming
w21854 Donald B. Keim
Olivia S. Mitchell

Simplifying Choices in Defined Contribution Retirement Plan Design
2015
w21810 Hanming Fang
You Suk Kim
Wenli Li

The Dynamics of Adjustable-Rate Subprime Mortgage Default: A Structural Estimation
w21772 Lorenz Kueng
Explaining Consumption Excess Sensitivity with Near-Rationality: Evidence from Large Predetermined Payments
w21730 Mariacristina De Nardi
Giulio Fella
Fang Yang

Piketty's Book and Macro Models of Wealth Inequality
w21682 James Poterba
Steven Venti
David A. Wise

What Determines End-of-Life Assets? A Retrospective View
w21686 Felipe S. Iachan
Plamen T. Nenov
Alp Simsek

The Choice Channel of Financial Innovation
w21692 Marco Francesconi
Robert A. Pollak
Domenico Tabasso

Unequal Bequests
w21651 Michael Cooper
John McClelland
James Pearce
Richard Prisinzano
Joseph Sullivan
Danny Yagan
Owen Zidar
Eric Zwick

Business in the United States: Who Owns it and How Much Tax Do They Pay?
w21665 Itzik Fadlon
Jessica A. Laird
Torben Heien Nielsen

Do Employer Pension Contributions Reflect Employee Preferences? Evidence from a Retirement Savings Reform in Denmark
w21667 David Berger
Veronica Guerrieri
Guido Lorenzoni
Joseph Vavra

House Prices and Consumer Spending
w21673 Joseph S. Briggs
David Cesarini
Erik Lindqvist
Robert Östling

Windfall Gains and Stock Market Participation
w21626 Vadim Elenev
Tim Landvoigt
Stijn Van Nieuwerburgh

Phasing Out the GSEs
w21629 Richard V. Burkhauser
Jeff Larrimore
Sean Lyons

Measuring Health Insurance Benefits: The Case of People with Disabilities
w21611 Leonardo Bursztyn
Stefano Fiorin
Daniel Gottlieb
Martin Kanz

Moral Incentives: Experimental Evidence from Repayments of an Islamic Credit Card
w21581 Atif R. Mian
Amir Sufi
Emil Verner

Household Debt and Business Cycles Worldwide
w21567 Sumit Agarwal
Souphala Chomsisengphet
Neale Mahoney
Johannes Stroebel

Do Banks Pass Through Credit Expansions to Consumers Who Want to Borrow?
w21552 Nikolaos Artavanis
Adair Morse
Margarita Tsoutsoura

Tax Evasion across Industries: Soft Credit Evidence from Greece
w21474 John Beshears
James J. Choi
Christopher Harris
David Laibson
Brigitte C. Madrian
Jung Sakong

Self Control and Commitment: Can Decreasing the Liquidity of a Savings Account Increase Deposits?
w21482 Gopi Shah Goda
Matthew R. Levy
Colleen Flaherty Manchester
Aaron Sojourner
Joshua Tasoff

The Role of Time Preferences and Exponential-Growth Bias in Retirement Savings
w21458 Sari Kerr
William R. Kerr
Ramana Nanda

House Money and Entrepreneurship
w21467 James J. Choi
Contributions to Defined Contribution Pension Plans
w21386 Steffen Andersen
John Y. Campbell
Kasper Meisner Nielsen
Tarun Ramadorai

Inattention and Inertia in Household Finance: Evidence from the Danish Mortgage Market
w21360 Stefano DellaVigna
Eliana La Ferrara

Economic and Social Impacts of the Media
w21369 Jonathan Parker
Why Don't Households Smooth Consumption? Evidence from a 25 Million Dollar Experiment
w21320 Manuel Adelino
Antoinette Schoar
Felipe Severino

Loan Originations and Defaults in the Mortgage Crisis: Further Evidence
w21330 Justine S. Hastings
Christopher A. Neilson
Anely Ramirez
Seth D. Zimmerman

(Un)Informed College and Major Choice: Evidence from Linked Survey and Administrative Data
w21339 Pascaline Dupas
Anthony Keats
Jonathan Robinson

The Effect of Savings Accounts on Interpersonal Financial Relationships: Evidence from a Field Experiment in Rural Kenya
w21356 Anders Anderson
Forest Baker
David T. Robinson

Precautionary Savings, Retirement Planning and Misperceptions of Financial Literacy
w21304 Liran Einav
Amy Finkelstein
Raymond Kluender
Paul Schrimpf

Beyond Statistics: The Economic Content of Risk Scores
w21305 Florentin Butaru
QingQing Chen
Brian Clark
Sanmay Das
Andrew W. Lo
Akhtar Siddique

Risk and Risk Management in the Credit Card Industry
w21300 Justine Hastings
Christopher A. Neilson
Seth D. Zimmerman

The Effects of Earnings Disclosure on College Enrollment Decisions
w21261 Fernando Ferreira
Joseph Gyourko

A New Look at the U.S. Foreclosure Crisis: Panel Data Evidence of Prime and Subprime Borrowers from 1997 to 2012
w21268 Mariacristina De Nardi
Eric French
John B. Jones

Savings After Retirement: A Survey
w21270 Mariacristina De Nardi
Eric French
John Bailey Jones
Jeremy McCauley

Medical Spending of the U.S. Elderly
w21272 Damon Jones
Aprajit Mahajan

Time-Inconsistency and Saving: Experimental Evidence from Low-Income Tax Filers
w21228 Nicola Fuchs-Schuendeln
Tarek Alexander Hassan

Natural Experiments in Macroeconomics
w21238 Mark Huggett
Greg Kaplan

How Large is the Stock Component of Human Capital?
w21214 Camelia M. Kuhnen
Andrei C. Miu

Socioeconomic Status and Learning from Financial Information
w21203 Atif Mian
Amir Sufi

Household Debt and Defaults from 2000 to 2010: Facts from Credit Bureau Data
w21168 John Beshears
James J. Choi
Joshua Hurwitz
David Laibson
Brigitte C. Madrian

Liquidity in Retirement Savings Systems: An International Comparison
w21169 Emily Breza
Arun G. Chandrasekhar

Social Networks, Reputation and Commitment: Evidence from a Savings Monitors Experiment
w21174 Vladimir Gimpelson
Daniel Treisman

Misperceiving Inequality
w21102 Timothy (Jun) Lu
Olivia S. Mitchell
Stephen P. Utkus
Jean A. Young

Borrowing from the Future: 401(k) Plan Loans and Loan Defaults
w21076 Xavier Giroud
Holger M. Mueller

Firm Leverage and Unemployment during the Great Recession
w21060 Clemens Sialm
Hanjiang Zhang

Tax-Efficient Asset Management: Evidence from Equity Mutual Funds
w21047 Mariacristina De Nardi
Fang Yang

Wealth Inequality, Family Background, and Estate Taxation
w21048 Daniel Gottlieb
Olivia S. Mitchell

Narrow Framing and Long-Term Care Insurance
w21032 Will Dobbie
Paul Goldsmith-Pinkham
Crystal Yang

Consumer Bankruptcy and Financial Health
w21033 Denis Chetverikov
Bradley Larsen
Christopher Palmer

IV Quantile Regression for Group-level Treatments, with an Application to the Distributional Effects of Trade
w21035 Owen M. Zidar
Tax Cuts For Whom? Heterogeneous Effects of Income Tax Changes on Growth and Employment
w21025 Michael Gelman
Shachar Kariv
Matthew D. Shapiro
Dan Silverman
Steven Tadelis

How Individuals Smooth Spending: Evidence from the 2013 Government Shutdown Using Account Data
w21007 Erik Hurst
Benjamin J. Keys
Amit Seru
Joseph S. Vavra

Regional Redistribution Through the U.S. Mortgage Market
w20986 Thomas Joseph
Yaw Nyarko
Shing-Yi Wang

Asymmetric Information and Remittances: Evidence from Matched Administrative Data
w20949 Jeffrey R. Brown
Anne M. Farrell
Scott J. Weisbenner

Decision-Making Approaches and the Propensity to Default: Evidence and Implications
w20849 Lance Lochner
Alexander Monge-Naranjo

Student Loans and Repayment: Theory, Evidence and Policy
w20848 Manuel Adelino
Antoinette Schoar
Felipe Severino

Loan Originations and Defaults in the Mortgage Crisis: The Role of the Middle Class

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Generated on Fri Dec 9 00:00:02 2016

 
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