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Research

​Working Papers:

Expense Shocks Matter (with Scott Fulford)

Auto Dealer Loan Intermediation: Consumer Behavior and Competitive Effects (with Andreas Grunewald, Jonathan A. Lanning, and Tobias Salz).  Revise & Resubmit, American Economic Review.

What Triggers Mortgage Default? New Evidence from Linked Administrative and Survey Data (ASMB instruments available here).  Accepted, The Review of Economics and Statistics.

An Empirically-Disciplined Theory of Mortgage Default.  (Formerly titled "Mortgage Default with Positive Equity").  Revise & Resubmit, Review of Financial Studies​​

Measuring the "World" Real Interest Rate (with Mervyn King).  NBER Working Paper Working Paper 19887.


Work in Progress:

​Even Self-Aware Consumers are Overconfident (with Christopher Carroll, Daniel Grodzicki, and Matthew White)

​Non-Academic Papers:

Data Point: Subprime Auto Loan Outcomes by Lender Type (with Jasper Clarkberg and Jack Gardner)

Special Issue Brief: Characteristics of Mortgage Borrowers During the COVID-19 Pandemic (with Erik Durbin, Greta Li, and Judith Ricks)
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​Data Point: Frequent Overdrafters (with  Éva Nagypál , Leslie Parrish , Akaki Skhirtladze , and Corey Stone )