Mark Kutzbach is a Senior Financial Economist in the Financial Modeling and Research Section of the Center for Financial Research in the Division of Insurance and Research at the FDIC.
His research topics include the banking labor force, spatial competition in banking, bank lending and technology, and household finance. Kutzbach has published research on topics in finance, urban, labor, housing, and transportation economics as well as data linkage and confidentiality protection. At the FDIC, Kutzbach has contributed to the biennial household survey report, which presents findings on the FDIC’s topical supplement to the Current Population Survey.
He joined the FDIC in April 2017 after working at the U.S. Census Bureau in the Center for Economic Studies since 2009. Kutzbach obtained his PhD in Economics from the University of California, Irvine and his BS in Economics, with a minor in History, from Northwestern University.
Publications
Goodstein, Ryan, and Mark Kutzbach. 2024. The Effect of Job Loss on Bank Account Ownership. Journal of Money, Credit and Banking. Published online February 3, 2024.
Pollakowski, Henry O. ⓡ, Daniel H. Weinberg ⓡ, Fredrik Andersson ⓡ, John C. Haltiwanger ⓡ, Giordano Palloni ⓡ, Mark J. Kutzbach. 2022. Childhood Housing and Adult Earnings: A Between-Siblings Analysis of Housing Vouchers and Public Housing. American Economic Journal: Economic Policy, 14(3): 235-272.
Groen, Jeffrey, Mark Kutzbach, and Anne Polivka. 2020. Storms and Jobs: The Effect of Hurricanes on Individuals’ Employment and Earnings over the Long Term. Journal of Labor Economics, 38(3): 653-685.
Hellerstein, Judith, Mark Kutzbach, and David Neumark. 2019. Labor Market Networks and Recovery from Mass Layoffs: Evidence from the Great Recession Period. Journal of Urban Economics, 113.
Andersson, Fredrik, John Haltiwanger, Mark Kutzbach, Henry Pollakowski, and Daniel Weinberg. 2018. Job Displacement and the Duration of Joblessness: The Role of Spatial Mismatch. The Review of Economics and Statistics.100(2): 203-218.
Haney, Samuel, Ashwin Machanavajjhala, John Abowd, Matthew Graham, Mark Kutzbach, and Lars Vilhuber. 2017. Utility Cost of Formal Privacy for Releasing National Employer-Employee Statistics. SIGMOD’17, Proceedings of the 2017 ACM International Conference on Management of Data. Chicago, Illinois: ACM Special Interest Group on Management of Data: 1339-1354.
Hellerstein, Judith, Mark Kutzbach, and David Neumark. 2013. Do Labor Market Networks Have an Important Spatial Dimension? Journal of Urban Economics 79, 39-58.
Kutzbach, Mark. 2009. Motorization in Developing Countries: Causes, Consequences, and Effectiveness of Policy Options. Journal of Urban Economics 65(2), 154-166.
Working Papers
Mark Kutzbach, Jon Pogach. Can Banks Lend Like Fintechs? Technology, PPP, and the COVID-19 Pandemic. 2022. Federal Deposit Insurance Corporation, Center for Financial Research, Working Paper Series FDIC CFR WP 2022-02.
John Haltiwanger, Mark Kutzbach, Giordano Palloni, Henry Pollakowski, Matthew Staiger, and Daniel Weinberg. The Children of HOPE VI Demolitions: National Evidence on Labor Market Outcomes. 2020. National Bureau of Economic Research Working Paper 28157.
Green, Andrew, Mark Kutzbach, and Lars Vilhuber. 2017. Two Perspectives on Commuting: A Comparison of Home to Work Flows Across Job-Linked Survey and Administrative Files. Center for Economic Studies Discussion Paper Series 17-34.
Presentations
CONFERENCE
Mar-2024
Consumer Finance Round Robin, A Joint Conference of the CFPB, Consumer Finance Institute (Philadelphia FRB), FDIC, and the Federal Reserve Board (Washington, DC)
Spatial Retail Banking Markets
CONFERENCE
Oct-2023
Financial Management Association, FMA Annual Meeting (Chicago, IL)
The Effect of Job Loss on Bank Account Ownership
CONFERENCE
Nov-2022
Interagency Risk Quantification Forum, A Joint Conference of the Federal Reserve Bank of Philadelphia, FDIC & OCC (Arlington, VA)
Bank Technology and the COVID-19 Pandemic
CONFERENCE
May-2022
Boulder Summer Conference on Consumer Financial Decision Making (University of Colorado Boulder, Leeds School of Business)
The Effect of Job Loss on Bank Account Ownership
SEMINAR
Nov-2021
Society of Government Economists Virtual Seminar: Unbanked Households, Poverty, and Taxation (Online)
The Effect of Job Loss on Bank Account Ownership
CONFERENCE
Oct-2021
Urban Economics Association, North American Meeting (Online)
Bank Technology and the COVID-19 Pandemic
CONFERENCE
Apr-2019
Consumer Finance Round Robin, A Joint Conference of the CFPB, Consumer Finance Institute (Philadelphia FRB), and the Federal Reserve Board (Washington, DC)
Job Separation and Household Use of Financial Services