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Center for Financial Research

Ryan Goodstein

Senior Economist
Federal Deposit Insurance Corporation

Last Updated: April 27, 2021
Ryan Goodstein

Ryan Goodstein is a Senior Economist. His research interests include consumer finance, banking, and mortgage markets. Since joining the FDIC in 2008, he has provided technical and analytic support to the FDIC’s economic inclusion survey efforts, including the biennial FDIC Survey of Household Use of Banking and Financial Services and the Survey of Banks’ Efforts to Serve the Unbanked and Underbanked. Ryan earned his PhD in Economics from the University of North Carolina at Chapel Hill.


Goodstein, Ryan M., Alicia Lloro, Sherrie L. W. Rhine, and Jeffrey M. Weinstein. What Accounts for Racial and Ethnic Differences in Credit Use? Forthcoming. Journal of Consumer Affairs.

Goodstein, Ryan M., and Sherrie L.W. Rhine. The Effects of Bank and Nonbank Provider Locations on Household Use of Financial Transaction Services. 2017. Journal of Banking and Finance. Vol. 78, 91-107.

Goodstein, Ryan, Paul Hanouna, Carlos D. Ramirez, and Christof W. Stahel. Contagion Effects in Strategic Mortgage Defaults. 2017. Journal of Financial Intermediation. Vol. 30, 50-60.

Blau, David M., and Ryan Goodstein. Commitment in the household: Evidence from the effect of inheritances on the labor supply of older married couples. 2016. Labour Economics. Vol. 42, 123-137.

Goodstein, Ryan M. Refinancing Trends among Lower Income Homeowners during the Mortgage Boom and Bust. 2013. Real Estate Economics. Vol. 42(3), 690-723.

Blau, David M., and Ryan Goodstein. Can Social Security Explain Trends in Labor Force Participation of Older Men in the United States? 2010. Journal of Human Resources. Vol. 45(2), 328-63.

Working Papers

Ryan M. Goodstein. Boomeranged! The Effect of Coresiding Adult Children on Housing Transitions among Older Homeowners. 2016. FDIC Division of Depositor and Consumer Protection Working Paper Series 2016-2.

Lee, Yan Y. and Ryan Goodstein. 2014. "Did the Foreclosure Crisis Increase Crime?"