NATIONAL BUREAU OF ECONOMIC RESEARCH
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The Role of Government and Private Institutions in Credit Cycles in the U.S. Mortgage Market

Manuel Adelino, William B. McCartney, Antoinette Schoar

NBER Working Paper No. 27499
Issued in July 2020

---- Acknowledgments ----

We thank seminar participants at the Bank of Portugal, Boston College, Boston University, the Chinese University of Hong Kong, MIT finance lunch, Nazarbayev University, NBER Corporate Finance Summer Institute and our discussant Claudia Robles-Garcia, New York Fed, NOVA School of Business and Economics, Philadelphia Fed, SFS Cavalcade and our discussant Gonzalo Maturana, UCLA finance lunch, and the Wabash River Finance Conference and our discussant Alexei Tchistyi, as well as Ed Golding, Barney Hartman-Glaser and Christopher Palmer for helpful comments. We thank Yuting Wang for outstanding research assistance. The views expressed herein are those of the authors and do not necessarily reflect the views of the National Bureau of Economic Research.

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