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Details about Sumit Agarwal

E-mail:
Homepage:http://www.ushakrisna.com
Phone:6581189025
Postal address:107 Clementi Road, Block F, 10-07, Singapore, 129790
Workplace:Department of Economics, National University of Singapore (NUS), (more information at EDIRC)
Business School, National University of Singapore (NUS), (more information at EDIRC)
Department of Real Estate, National University of Singapore (NUS), (more information at EDIRC)

Access statistics for papers by Sumit Agarwal.

Last updated 2015-05-11. Update your information in the RePEc Author Service.

Short-id: pag47


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Working Papers

2016

  1. Does inequality cause financial distress? Evidence from lottery winners and neighboring bankruptcies
    Working Papers, Federal Reserve Bank of Philadelphia Downloads

2014

  1. Loan Prospecting and the Loss of Soft Information
    NBER Working Papers, National Bureau of Economic Research, Inc Downloads View citations (2)
  2. Second Liens and the Holdup Problem in Mortgage Renegotiation
    NBER Working Papers, National Bureau of Economic Research, Inc Downloads
  3. The Effectiveness of Mandatory Mortgage Counseling: Can One Dissuade Borrowers from Choosing Risky Mortgages?
    NBER Working Papers, National Bureau of Economic Research, Inc Downloads View citations (3)

2013

  1. Collateral Valuation and Borrower Financial Constraints: Evidence from the Residential Real Estate Market
    NBER Working Papers, National Bureau of Economic Research, Inc Downloads
    Also in Working Paper Series, Ohio State University, Charles A. Dice Center for Research in Financial Economics (2012) Downloads View citations (1)
  2. Policy Intervention in Debt Renegotiation: Evidence from the Home Affordable Modification Program
    Working Paper Series, Federal Reserve Bank of Chicago Downloads View citations (1)
    Also in NBER Working Papers, National Bureau of Economic Research, Inc (2012) Downloads View citations (7)
    Working Paper Series, Ohio State University, Charles A. Dice Center for Research in Financial Economics (2012) Downloads View citations (12)
  3. Predatory Lending and the Subprime Crisis
    NBER Working Papers, National Bureau of Economic Research, Inc Downloads View citations (2)
    Also in Working Paper Series, Ohio State University, Charles A. Dice Center for Research in Financial Economics (2012) Downloads

    See also Journal Article in Journal of Financial Economics (2014)
  4. Regulating Consumer Financial Products: Evidence from Credit Cards
    NBER Working Papers, National Bureau of Economic Research, Inc Downloads View citations (8)
    See also Journal Article in The Quarterly Journal of Economics (2015)
  5. Rushing into American Dream? House Prices, Timing of Homeownership, and Adjustment of Consumer Credit
    Working Paper Series, Federal Reserve Bank of Chicago Downloads
  6. Why do borrowers make mortgage refinancing mistakes?
    Working Paper Series, Federal Reserve Bank of Chicago Downloads View citations (4)

2012

  1. Did the Community Reinvestment Act (CRA) Lead to Risky Lending?
    NBER Working Papers, National Bureau of Economic Research, Inc Downloads View citations (8)
  2. Do Loan Officers' Incentives Lead to Lax Lending Standards?
    Working Paper Series, Ohio State University, Charles A. Dice Center for Research in Financial Economics Downloads View citations (11)
  3. Inconsistent Regulators: Evidence From Banking
    NBER Working Papers, National Bureau of Economic Research, Inc Downloads View citations (21)
  4. Optimal Mortgage Reï¬ nancing: A Closed Form Solution
    Scholarly Articles, Harvard University Department of Economics Downloads View citations (1)
  5. Spending responses to state sales tax holidays
    Working Paper Series, Federal Reserve Bank of Chicago Downloads View citations (4)

2011

  1. Cognitive abilities and household financial decision making
    Working Paper Series, Federal Reserve Bank of Chicago Downloads View citations (3)
    See also Journal Article in American Economic Journal: Applied Economics (2013)
  2. Does Mandatory Loan Review Affect Mortgage Contract Choice and Performance?
    NFI Working Papers, Indiana State University, Scott College of Business, Networks Financial Institute Downloads
  3. Market-based loss mitigation practices for troubled mortgages following the financial crisis
    Working Paper Series, Federal Reserve Bank of Chicago Downloads View citations (12)
    Also in Working Paper Series, Ohio State University, Charles A. Dice Center for Research in Financial Economics (2010) Downloads View citations (2)
  4. The Role of Securitization in Mortgage Renegotiation
    Working Paper Series, Ohio State University, Charles A. Dice Center for Research in Financial Economics Downloads View citations (34)
    Also in Working Paper Series, Federal Reserve Bank of Chicago (2011) Downloads View citations (29)

    See also Journal Article in Journal of Financial Economics (2011)

2010

  1. Benefits of relationship banking: evidence from consumer credit markets
    Working Paper Series, Federal Reserve Bank of Chicago Downloads View citations (10)
  2. Pension Participation and Uncovered Workers
    Issues in Brief, Center for Retirement Research Downloads
  3. Why do banks reward their customers to use their credit cards?
    Working Paper Series, Federal Reserve Bank of Chicago Downloads View citations (6)

2009

  1. Do financial counseling mandates improve mortgage choice and performance? Evidence from a legislative experiment
    Working Paper Series, Federal Reserve Bank of Chicago Downloads View citations (9)
  2. Learning to Cope: Voluntary Financial Education Programs and Loan Performance during a Housing Crisis
    Working Paper Series, Ohio State University, Charles A. Dice Center for Research in Financial Economics Downloads
  3. Payday Loans and Credit Cards: New Liquidity and Credit Scoring Puzzles?
    NBER Working Papers, National Bureau of Economic Research, Inc Downloads View citations (19)
    See also Journal Article in American Economic Review (2009)
  4. Perverse incentives at the banks? Evidence from a natural experiment
    Working Paper Series, Federal Reserve Bank of Chicago Downloads View citations (18)
  5. The Age of Reason: Financial Decisions over the Life-Cycle with Implications for Regulation
    Scholarly Articles, Harvard University Department of Economics Downloads View citations (51)
  6. What is the Age of Reason?
    Issues in Brief, Center for Retirement Research Downloads View citations (1)

2008

  1. Does it pay to read your junk mail? evidence of the effect of advertising on home equity credit choices
    Working Paper Series, Federal Reserve Bank of Chicago Downloads
  2. Learning in the Credit Card Market
    NBER Working Papers, National Bureau of Economic Research, Inc Downloads View citations (26)
    Also in Levine's Working Paper Archive, David K. Levine (2008) Downloads View citations (37)
  3. Optimal Mortgage Refinancing: A Closed Form Solution
    Levine's Working Paper Archive, David K. Levine Downloads View citations (7)
    Also in NBER Working Papers, National Bureau of Economic Research, Inc (2007) Downloads View citations (15)

    See also Journal Article in Journal of Money, Credit and Banking (2013)
  4. Summary of "benefits of relationship banking: evidence from consumer credit markets"
    Proceedings, Federal Reserve Bank of Chicago
  5. The Age of Reason: Financial Decisions Over the Lifecycle
    2008 Meeting Papers, Society for Economic Dynamics Downloads View citations (1)
    Also in Working Paper Series, Federal Reserve Bank of Chicago (2007) Downloads View citations (60)
    NBER Working Papers, National Bureau of Economic Research, Inc (2007) Downloads View citations (83)
    Levine's Bibliography, UCLA Department of Economics (2007) Downloads View citations (33)
  6. The Consumption Response to Minimum Wage Hikes
    2008 Meeting Papers, Society for Economic Dynamics Downloads View citations (1)
  7. The Effects of Mandated Financial Counseling on Household Mortgage Decisions: Evidence from a Natural Experiment
    Working Paper Series, Ohio State University, Charles A. Dice Center for Research in Financial Economics Downloads
  8. The Efficiency of Internal Capital Markets: Evidence from the Annual Capital Expenditure Survey
    Working Papers, U.S. Census Bureau, Center for Economic Studies Downloads
    See also Journal Article in The Quarterly Review of Economics and Finance (2011)
  9. The choice between arm's-length and relationship debt: evidence from e-loans
    Working Paper Series, Federal Reserve Bank of Chicago Downloads View citations (2)
  10. The consumption response to minimum wage increases
    Working Paper Series, Federal Reserve Bank of Chicago Downloads View citations (2)

2007

  1. Distance and information asymmetries in lending decisions
    Proceedings, Federal Reserve Bank of Chicago View citations (11)
  2. The Reaction of Consumer Spending and Debt to Tax Rebates -- Evidence from Consumer Credit Data
    NBER Working Papers, National Bureau of Economic Research, Inc Downloads View citations (70)
    Also in Working Papers, Federal Reserve Bank of Philadelphia (2007) Downloads View citations (71)
    Working Paper Series, Federal Reserve Bank of Chicago (2007) Downloads View citations (88)

    See also Journal Article in Journal of Political Economy (2007)

2006

  1. Do consumers choose the right credit contracts?
    Working Paper Series, Federal Reserve Bank of Chicago Downloads View citations (22)
    Also in CFS Working Paper Series, Center for Financial Studies (CFS) (2005) Downloads View citations (6)

2004

  1. Loan commitments and private firms
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) Downloads View citations (4)

2003

  1. Earnings Management During Distinct Periods of Capital Demand – Evidence from Japanese Banks
    Staff Working Papers, Federal Housing Finance Agency Downloads View citations (1)

Journal Articles

2015

  1. Regulating Consumer Financial Products: Evidence from Credit Cards
    The Quarterly Journal of Economics, 2015, 130, (1), 111-164 Downloads View citations (20)
    See also Working Paper (2013)

2014

  1. A Simple Framework for Estimating Consumer Benefits from Regulating Hidden Fees
    The Journal of Legal Studies, 2014, 43, (S2), S239 - S252 Downloads View citations (5)
  2. Consumption and Debt Response to Unanticipated Income Shocks: Evidence from a Natural Experiment in Singapore
    American Economic Review, 2014, 104, (12), 4205-30 Downloads View citations (21)
  3. Homebuilders, Affiliated Financing Arms and the Mortgage Crisis
    Economic Perspectives, 2014, (Q II), 38-51 Downloads
  4. Predatory lending and the subprime crisis
    Journal of Financial Economics, 2014, 113, (1), 29-52 Downloads View citations (11)
    See also Working Paper (2013)

2013

  1. Cognitive Abilities and Household Financial Decision Making
    American Economic Journal: Applied Economics, 2013, 5, (1), 193-207 Downloads View citations (44)
    See also Working Paper (2011)
  2. Optimal Mortgage Refinancing: A Closed‐Form Solution
    Journal of Money, Credit and Banking, 2013, 45, (4), 591-622 Downloads View citations (10)
    See also Working Paper (2008)

2012

  1. Adverse selection in mortgage securitization
    Journal of Financial Economics, 2012, 105, (3), 640-660 Downloads View citations (18)
  2. The Spending and Debt Response to Minimum Wage Hikes
    American Economic Review, 2012, 102, (7), 3111-39 Downloads View citations (29)
  3. Thy Neighbor’s Mortgage: Does Living in a Subprime Neighborhood Affect One’s Probability of Default?
    Real Estate Economics, 2012, 40, (1), 1-22 Downloads View citations (10)

2011

  1. Consumer bankruptcy and default: The role of individual social capital
    Journal of Economic Psychology, 2011, 32, (4), 632-650 Downloads View citations (5)
  2. How do private firms use credit lines?
    Economic Perspectives, 2011, (Q II), 71-79 Downloads
  3. THE BROKERAGE FIRM EFFECT IN HERDING: EVIDENCE FROM INDONESIA
    Journal of Financial Research, 2011, 34, (3), 461-479 Downloads View citations (1)
  4. The Role of Soft Information in a Dynamic Contract Setting: Evidence from the Home Equity Credit Market
    Journal of Money, Credit and Banking, 2011, 43, (4), 633-655 View citations (8)
  5. The Term Structure of Lease Rates with Endogenous Default Triggers and Tenant Capital Structure: Theory and Evidence
    Journal of Financial and Quantitative Analysis, 2011, 46, (02), 553-584 Downloads View citations (5)
  6. The efficiency of internal capital markets: Evidence from the Annual Capital Expenditure Survey
    The Quarterly Review of Economics and Finance, 2011, 51, (2), 162-172 Downloads
    See also Working Paper (2008)
  7. The role of securitization in mortgage renegotiation
    Journal of Financial Economics, 2011, 102, (3), 559-578 Downloads View citations (29)
    See also Working Paper (2011)

2010

  1. Distance and Private Information in Lending
    Review of Financial Studies, 2010, 23, (7), 2757-2788 Downloads View citations (129)
  2. Learning to Cope: Voluntary Financial Education and Loan Performance during a Housing Crisis
    American Economic Review, 2010, 100, (2), 495-500 Downloads View citations (10)
  3. Rescuing asset-backed securities markets
    Chicago Fed Letter, 2010, (Jan) Downloads View citations (1)
  4. The Importance of Adverse Selection in the Credit Card Market: Evidence from Randomized Trials of Credit Card Solicitations
    Journal of Money, Credit and Banking, 2010, 42, (4), 743-754 Downloads View citations (12)
  5. The asset-backed securities markets, the crisis and TALF
    Economic Perspectives, 2010, (Q IV), 101-115 Downloads View citations (2)
  6. Why aren't banks lending more? the role of commercial real estate
    Chicago Fed Letter, 2010, (Dec) Downloads

2009

  1. Payday Loans and Credit Cards: New Liquidity and Credit Scoring Puzzles?
    American Economic Review, 2009, 99, (2), 412-17 Downloads View citations (23)
    See also Working Paper (2009)
  2. The Age of Reason: Financial Decisions over the Life Cycle and Implications for Regulation
    Brookings Papers on Economic Activity, 2009, 40, (2 (Fall)), 51-117 Downloads View citations (71)
  3. Why do foreign investors underperform domestic investors in trading activities? Evidence from Indonesia
    Journal of Financial Markets, 2009, 12, (1), 32-53 Downloads View citations (15)

2008

  1. Determinants of automobile loan default and prepayment
    Economic Perspectives, 2008, (Q III), 17-28 Downloads
  2. Do Forbearance Plans Help Mitigate Credit Card Losses?
    Journal of Family and Economic Issues, 2008, 29, (2), 191-201 Downloads View citations (3)
  3. Electrical and thermal properties of Pr 2/3 (Ba 1−x Cs x ) 1/3 MnO 3 manganites
    The European Physical Journal B: Condensed Matter and Complex Systems, 2008, 65, (2), 179-186 Downloads
  4. Investor demand for IPOs and aftermarket performance: Evidence from the Hong Kong stock market
    Journal of International Financial Markets, Institutions and Money, 2008, 18, (2), 176-190 Downloads View citations (16)

2007

  1. Comparing the prime and subprime mortgage markets
    Chicago Fed Letter, 2007, (Aug) Downloads View citations (4)
  2. Earnings management behaviors under different economic environments: Evidence from Japanese banks
    International Review of Economics & Finance, 2007, 16, (3), 429-443 Downloads View citations (11)
  3. Technology transfer perspectives in globalising India (drugs and pharmaceuticals and biotechnology)
    The Journal of Technology Transfer, 2007, 32, (4), 397-423 Downloads View citations (3)
  4. The Impact of Homeowners' Housing Wealth Misestimation on Consumption and Saving Decisions
    Real Estate Economics, 2007, 35, (2), 135-154 Downloads View citations (16)
  5. The Reaction of Consumer Spending and Debt to Tax Rebates-Evidence from Consumer Credit Data
    Journal of Political Economy, 2007, 115, (6), 986-1019 Downloads View citations (88)
    See also Working Paper (2007)
  6. Where does price discovery occur for stocks traded in multiple markets? Evidence from Hong Kong and London
    Journal of International Money and Finance, 2007, 26, (1), 46-63 Downloads View citations (11)

2006

  1. An empirical analysis of home equity loan and line performance
    Journal of Financial Intermediation, 2006, 15, (4), 444-469 Downloads View citations (16)
  2. Credit Lines and Credit Utilization
    Journal of Money, Credit and Banking, 2006, 38, (1), 1-22 Downloads View citations (29)

2005

  1. Impact of State Exemption Laws on Small Business Bankruptcy Decision
    Southern Economic Journal, 2005, 71, (3), 620-635 View citations (8)
  2. The impact of the 2001 financial crisis and the economic policy responses on the Argentine mortgage market
    Journal of Housing Economics, 2005, 14, (3), 242-270 Downloads View citations (2)

2004

  1. Financial markets and the financing choice of firms: Evidence from developing countries
    Global Finance Journal, 2004, 15, (1), 57-70 Downloads View citations (10)
  2. Telecommunications and economic growth: a panel data approach
    Applied Economics, 2004, 36, (15), 1649-1654 Downloads View citations (41)

2003

  1. Determinants of credit card delinquency and bankruptcy: Macroeconomic factors
    Journal of Economics and Finance, 2003, 27, (1), 75-84 Downloads View citations (8)
  2. Exemption laws and consumer delinquency and bankruptcy behavior: an empirical analysis of credit card data
    The Quarterly Review of Economics and Finance, 2003, 43, (2), 273-289 Downloads View citations (12)
 
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