Details about Benjamin J. Keys

Access statistics for papers by Benjamin J. Keys.

Last updated 2024-03-06. Update your information in the RePEc Author Service.

Short-id: pke311

Working Papers

2024

1. Credit When You Need It
   NBER Working Papers, National Bureau of Economic Research, Inc
2. Property Insurance and Disaster Risk: New Evidence from Mortgage Escrow Data
   NBER Working Papers, National Bureau of Economic Research, Inc
3. The Effects of Emergency Rental Assistance During the Pandemic: Evidence from Four Cities
   NBER Working Papers, National Bureau of Economic Research, Inc

2023

4. The Value of Student Debt Relief and the Role of Administrative Barriers: Evidence from the Teacher Loan Forgiveness Program
   NBER Working Papers, National Bureau of Economic Research, Inc View citations (1)

2021

5. The Cost of Consumer Collateral: Evidence from Bunching
   NBER Working Papers, National Bureau of Economic Research, Inc View citations (3)

2020

6. Global Capital and Local Assets: House Prices, Quantities, and Elasticities
   NBER Working Papers, National Bureau of Economic Research, Inc View citations (14)
7. Neglected No More: Housing Markets, Mortgage Lending, and Sea Level Rise
   NBER Working Papers, National Bureau of Economic Research, Inc View citations (31)
8. Refinancing, Monetary Policy, and the Credit Cycle
   NBER Working Papers, National Bureau of Economic Research, Inc View citations (11)
   See also Journal Article Refinancing, Monetary Policy, and the Credit Cycle, Annual Review of Financial Economics, Annual Reviews (2020) View citations (11) (2020)
9. What Determines Consumer Financial Distress? Place- and Person-Based Factors
   NBER Working Papers, National Bureau of Economic Research, Inc View citations (12)
   Also in Working Papers, Becker Friedman Institute for Research In Economics (2020) View citations (9)

2019

10. Affordability, Financial Innovation, and the Start of the Housing Boom
    Working Paper Series, Federal Reserve Bank of Chicago View citations (9)
    Also in CEP Discussion Papers, Centre for Economic Performance, LSE (2019) View citations (9)
    LSE Research Online Documents on Economics, London School of Economics and Political Science, LSE Library (2019) View citations (7)

2018

11. Eyes Wide Shut? The Moral Hazard of Mortgage Insurers during the Housing Boom
    NBER Working Papers, National Bureau of Economic Research, Inc View citations (3)

2016

12. Minimum Payments and Debt Paydown in Consumer Credit Cards
    NBER Working Papers, National Bureau of Economic Research, Inc View citations (15)
    See also Journal Article Minimum payments and debt paydown in consumer credit cards, Journal of Financial Economics, Elsevier (2019) View citations (35) (2019)

2015

13. Information, Contract Design, and Unsecured Credit Supply: Evidence from Credit Card Mailings
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) View citations (2)
14. Investment over the Business Cycle: Insights from College Major Choice
    IZA Discussion Papers, Institute of Labor Economics (IZA) View citations (36)
    See also Journal Article Investment over the Business Cycle: Insights from College Major Choice, Journal of Labor Economics, University of Chicago Press (2021) View citations (24) (2021)
15. Mortgage Rates, Household Balance Sheets, and the Real Economy
    2015 Meeting Papers, Society for Economic Dynamics View citations (4)
    Also in NBER Working Papers, National Bureau of Economic Research, Inc (2014) View citations (70)
16. Regional Redistribution Through the U.S. Mortgage Market
    NBER Working Papers, National Bureau of Economic Research, Inc View citations (9)
    Also in Research Papers, Stanford University, Graduate School of Business (2015) View citations (8)
    See also Journal Article Regional Redistribution through the US Mortgage Market, American Economic Review, American Economic Association (2016) View citations (51) (2016)

2014

17. Failure to Refinance
    NBER Working Papers, National Bureau of Economic Research, Inc View citations (9)
    See also Journal Article Failure to refinance, Journal of Financial Economics, Elsevier (2016) View citations (102) (2016)
18. Perverse Nudges: Minimum Payments and Debt Paydown in Consumer Credit Cards
    2014 Meeting Papers, Society for Economic Dynamics View citations (1)

2011

19. Credit supply to personal bankruptcy filers: evidence from credit card mailings
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) View citations (4)

2010

20. Credit Supply to Bankrupt Households
    2010 Meeting Papers, Society for Economic Dynamics View citations (3)
21. The credit market consequences of job displacement
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) View citations (3)
    See also Journal Article The Credit Market Consequences of Job Displacement, The Review of Economics and Statistics, MIT Press (2018) View citations (13) (2018)

2009

22. And banking for all?
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.)

Journal Articles

2022

1. Moral Hazard during the Housing Boom: Evidence from Private Mortgage Insurance
   The Review of Financial Studies, 2022, 35, (2), 771-813 View citations (5)
2. The labor market consequences of impatience
   IZA World of Labor, 2022, 233

2021

3. Investment over the Business Cycle: Insights from College Major Choice
   Journal of Labor Economics, 2021, 39, (4), 1043 - 1082 View citations (24)
   See also Working Paper Investment over the Business Cycle: Insights from College Major Choice, IZA Discussion Papers (2015) View citations (36) (2015)

2020

4. Refinancing, Monetary Policy, and the Credit Cycle
   Annual Review of Financial Economics, 2020, 12, (1), 67-93 View citations (11)
   See also Working Paper Refinancing, Monetary Policy, and the Credit Cycle, NBER Working Papers (2020) View citations (11) (2020)

2019

5. Minimum payments and debt paydown in consumer credit cards
   Journal of Financial Economics, 2019, 131, (3), 528-548 View citations (35)
   See also Working Paper Minimum Payments and Debt Paydown in Consumer Credit Cards, NBER Working Papers (2016) View citations (15) (2016)

2018

6. The Credit Market Consequences of Job Displacement
   The Review of Economics and Statistics, 2018, 100, (3), 405-415 View citations (13)
   See also Working Paper The credit market consequences of job displacement, Finance and Economics Discussion Series (2010) View citations (3) (2010)
7. Unsecured Credit Supply, Credit Cycles, and Regulation
   The Review of Financial Studies, 2018, 31, (3), 1184-1217 View citations (25)

2017

8. Interest Rate Pass-Through: Mortgage Rates, Household Consumption, and Voluntary Deleveraging
   American Economic Review, 2017, 107, (11), 3550-88 View citations (239)

2016

9. Failure to refinance
   Journal of Financial Economics, 2016, 122, (3), 482-499 View citations (102)
   See also Working Paper Failure to Refinance, NBER Working Papers (2014) View citations (9) (2014)
10. Interest Rates and Equity Extraction during the Housing Boom
    American Economic Review, 2016, 106, (7), 1742-74 View citations (135)
11. Mortgage Refinancing during the Great Recession: The Role of Credit Scores
    Chicago Fed Letter, 2016 View citations (1)
12. Regional Redistribution through the US Mortgage Market
    American Economic Review, 2016, 106, (10), 2982-3028 View citations (51)
    See also Working Paper Regional Redistribution Through the U.S. Mortgage Market, NBER Working Papers (2015) View citations (9) (2015)

2015

13. Human Capital and the Lifetime Costs of Impatience
    American Economic Journal: Economic Policy, 2015, 7, (3), 126-53 View citations (114)

2013

14. Can Self-Control Explain Avoiding Free Money? Evidence from Interest-Free Student Loans
    The Review of Economics and Statistics, 2013, 95, (4), 1117-1129 View citations (27)

2012

15. Lender Screening and the Role of Securitization: Evidence from Prime and Subprime Mortgage Markets
    The Review of Financial Studies, 2012, 25, (7), 2071-2108 View citations (116)

2010

16. Did Securitization Lead to Lax Screening? Evidence from Subprime Loans
    The Quarterly Journal of Economics, 2010, 125, (1), 307-362 View citations (803)

2009

17. Financial regulation and securitization: Evidence from subprime loans
    Journal of Monetary Economics, 2009, 56, (5), 700-720 View citations (150)
18. Has Exposure to Poor Neighbourhoods Changed in America? Race, Risk and Housing Locations in Two Decades
    Urban Studies, 2009, 46, (2), 429-458 View citations (10)

2004

19. Does merit pay reward good teachers? Evidence from a randomized experiment
    Journal of Policy Analysis and Management, 2004, 23, (3), 471-488 View citations (28)

Chapters

2012

1. Mortgage Financing in the Housing Boom and Bust
   A chapter in Housing and the Financial Crisis, 2012, pp 143-204 View citations (24)