Working Papers
From Federal Reserve Bank of Philadelphia Contact information at EDIRC. Bibliographic data for series maintained by Beth Paul (). Access Statistics for this working paper series.
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- 25-12: Concentration in Mortgage Markets: GSE Exposure and Risk-Taking in Uncertain Times

- Ronel Elul, Deeksha Gupta and David K. Musto
- 25-11: Measuring Climate Transition Risk at the Regional Level with an Application to Community Banks

- Mitchell Berlin, SungJe Byun, Pablo D'Erasmo and Edison Yu
- 25-10: Mortgage-Backed Securities

- Andreas Fuster, David Lucca and James Vickery
- 25-09: Coverage Neglect in Homeowner's Insurance

- J Anthony Cookson, Emily Gallagher and Philip Mulder
- 25-08: Sequential Search for Corporate Bonds

- Mahyar Kargar, Benjamin Lester, Sébastien Plante and Pierre-Olivier Weill
- 25-07: The Value of Piped Water and Sewers: Evidence from 19th Century Chicago

- Michael Coury, Toru Kitagawa, Allison Shertzer and Matthew Turner
- 25-06: Who Provides Credit in Times of Crisis? Evidence from the Auto Loan Market

- Jose J. Canals-Cerda and Brian Jonghwan Lee
- 25-05: Constructing Applicants from Loan-Level Data: A Case Study of Mortgage Applications

- Hadi Elzayn, Simon Freyaldenhoven and Minchul Shin
- 25-04: Measuring Fairness in the U.S. Mortgage Market

- Hadi Elzayn, Simon Freyaldenhoven, Ryan Kobler and Minchul Shin
- 25-03: How Wealth and Age Interact to Affect Entrepreneurship

- Philippe d’Astous, Vyacheslav Mikhed, Sahil Raina and Barry Scholnick
- 25-02: Who Remains Unbanked in the United States and Why?

- Paul S. Calem, Chris Henderson and Jenna Wang
- 25-01: Climate Shocks in the Anthropocene Era: Should Net Domestic Product Reflect Climate Disasters?

- Leonard Nakamura and Brian Sliker
- 24-23: Flood Underinsurance

- Natee Amornsiripanitch, Siddhartha Biswas, John Orellana and David Zink
- 24-22: Inventory, Market Making, and Liquidity in OTC Markets

- Assa Cohen, Mahyar Kargar, Benjamin Lester and Pierre-Olivier Weill
- 24-21: Banking on Deforestation: The Cost of Nonenforcement

- Allen N. Berger, Cristina Ortega, Matias Ossandon Busch and Raluca Roman
- 24-20: Predicting College Closures and Financial Distress

- Robert Kelchen, Dubravka Ritter and Douglas Webber
- 24-19: Testing for Endogeneity: A Moment-Based Bayesian Approach

- Siddhartha Chib, Minchul Shin and Anna Simoni
- 24-18: Inference Based on Time-Varying SVARs Identified with Sign Restrictions

- Jonas E. Arias, Juan F Rubio-Ramirez, Minchul Shin and Daniel Waggoner
- 24-17: Savings Versus Debt: The Effects of Survey Question Order on Consumers’ Reported Financial Priorities

- Tom Akana, Will Daniel and Amber Lee
- 24-16: How Much Does College Cost and How Does It Relate to Student Borrowing? Tuition Growth and Borrowing over the Past 30 Years

- W. Looney
- 24-15: xtevent: Estimation and Visualization in the Linear Panel Event-Study Design

- Constantino Carreto, Simon Freyaldenhoven, Christian Hansen, Jorge Pérez Pérez and Jesse Shapiro
- 24-14: Beneath the Crypto Currents: The Hidden Effect of Crypto “Whales”

- Alan Chernoff and Julapa Jagtiani
- 24-13: Institutional Investors, Rents, and Neighborhood Change in the Single Family Residential Market

- Keyoung Lee and David Wylie
- 24-12: The Price of Housing in the United States, 1890–2006

- David Agorastos, Rowena Gray, Ronan Lyons and Allison Shertzer
- 24-11: Paying Too Much? Borrower Sophistication and Overpayment in the US Mortgage Market

- Neil Bhutta, Andreas Fuster and Aurel Hizmo
- 24-10: Bankruptcy Lawyers and Credit Recovery

- Brian Jonghwan Lee
- 24-09: How Much Does Racial Bias Affect Mortgage Lending? Evidence from Human and Algorithmic Credit Decisions

- Neil Bhutta, Aurel Hizmo and Daniel R. Ringo
- 24-08: The Effect of Student Loan Payment Burdens on Borrower Outcomes

- Tomás Monarrez and Lesley Turner
- 24-07: Navigating Higher Education Insurance: An Experimental Study on Demand and Adverse Selection"

- Ege Aksu, Sidhya Balakrishnan, Eric Bettinger, Jonathan Hartley, Michael Kofoed, Dubravka Ritter and Douglas Webber
- 24-06: Price-Level Determination Under the Gold Standard

- Jesus Fernandez-Villaverde and Daniel Sanches
- 24-05: Inference Based on Time-Varying SVARs Identified with Sign Restrictions

- Jonas E. Arias, Juan F Rubio-Ramirez, Minchul Shin and Daniel Waggoner
- 24-04: The Changing Polarization of Party Ideologies: The Role of Sorting

- Satyajit Chatterjee and Burcu Eyigungor
- 24-03: CECL Implementation and Model Risk in Uncertain Times: An Application to Consumer Finance

- Jose J. Canals-Cerda
- 24-02: HOUSING SPECULATION, GSES, AND CREDIT MARKET SPILLOVERS

- Natee Amornsiripanitch, Philip E. Strahan, Song Zhang and Xiang Zheng
- 24-01: Extreme Wildfires, Distant Air Pollution, and Household Financial Health

- Xudong An, Stuart Gabriel and Nitzan Tzur-Ilan
- 23-30: Decomposing Gender Differences in Bankcard Credit Limits

- Nathan Blascak and Anna Tranfaglia
- 23-29: Who Bears Climate-Related Physical Risk?

- Natee Amornsiripanitch and David Wylie
- 23-28: The Opioid Epidemic and Consumer Credit Supply: Evidence from Credit Cards

- Sumit Agarwal, Wenli Li, Raluca Roman and Nonna Sorokina
- 23-27: CMBS Market Evolution and Emerging Risks

- Xudong An, Lawrence R. Cordell and Nicholas Smith
- 23-26: Did Fintech Loans Default More During the COVID-19 Pandemic? Were Fintech Firms “Cream-Skimming” the Best Borrowers?

- Brandon Goldstein, Julapa Jagtiani and Catharine Lemieux
- 23-25: Can Everyone Tap into the Housing Piggy Bank? Racial Disparities in Access to Home Equity

- James Conklin, Kristopher Gerardi and Lauren Lambie-Hanson
- 23-24: Climate Shocks in the Anthropocene Era: Should Net Domestic Product Be Affected by Climate Disasters

- Leonard Nakamura and Brian Sliker
- 23-23: Social Capital and Mortgages

- Xudong An, Sadok El Ghoul, Omrane Guedhami, Ross Levine and Raluca Roman
- 23-22: Institutional Housing Investors and the Great Recession

- Dick Oosthuizen
- 23-21: The Role of Bank-Fintech Partnerships in Creating a More Inclusive Banking System

- Alan Chernoff and Julapa Jagtiani
- 23-20: I've Got 99 Problems But a Bill Ain't One: Hospital Billing Caps and Financial Distress in California

- Yaa Akosa Antwi, Marion Aouad and Nathan Blascak
- 23-19: Urban Renewal and Inequality: Evidence from Chicago’s Public Housing Demolitions

- Milena Almagro, Eric Chyn and Bryan Stuart
- 23-18: The Effects of Racial Segregation on Intergenerational Mobility: Evidence from Historical Railroad Placement

- Eric Chyn, Kareem Haggag and Bryan Stuart
- 23-17: Failing Just Fine: Assessing Careers of Venture Capital-backed Entrepreneurs via a Non-Wage Measure

- Graham J. Abbott, Natee Amornsiripanitch, Paul Gompers, George Hu, Will Levinson and Vladimir Mukharlyamov
- 23-16: Economic Activity by Race

- Fatima Mboup
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