Published Papers
- Did Technology Contribute to the Housing Boom? Evidence from MERS - with Stefan Lewellan
Journal of Financial Economics
- In the Red: Overdrafts, Payday Lending and the Underbanked - with Marco Di Maggio and Angela Ma
Journal of Finance (forthcoming)
Working Papers
Works in progress - coming soon
- Did Technology Contribute to the Housing Boom? Evidence from MERS
We examine the effects of the Mortgage Electronic Registration System, or MERS, on mortgage origination volumes and foreclosure rates prior to the Great Recession.
- In the Red: Overdrafts, Payday Lending and the Underbanked
The reordering of transactions from “high-to-low” is a controversial bank practice thought to maximize fees paid by low-income customers on overdrawn accounts.
- Buy Now, Pay Later Credit: User Characteristics and Effects on Spending Patterns
This paper studies the impact of the emerging market for “buy now, pay later” (BNPL) installment loans on consumption patterns using detailed financial transact
- Friends and Family Money: P2P Transfers and Financially Fragile Consumers
This paper examines the effects of real-time payments on financially fragile individuals in the United States. Consumers rely on friends and family money to cop...