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Federal Deposit
Insurance Corporation

Each depositor insured to at least $250,000 per insured bank

Center for Financial Research

CFR Seminar Series Library - 2008

The Seminar Series of the FDIC's Center for Financial Research, Division of Insurance and Research provides the research community and other interested parties with the results of research efforts by economists in the Division. Since much of the research is ongoing, the authors welcome comments from readers. Seminar Papers should not be reproduced without prior approval from the author.

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January 9 - Dissecting the Reaction of Global Equity Markets to Oil Policy and Fed Policy Shocks - PDF 475kb (PDF Help)
Yothin Jinjark

January 10 - Bankers on Boards, Financial Constraints, and Financial Distress - PDF (PDF Help)
Karlyn Mitchell and Mark Walker

January 14 - Payday Loans, Uncertainty, and Discounting: Explaining Patterns of Borrowing, Repayment, and Default - PDF 319kb (PDF Help)
Do Payday Loans Cause Bankruptcy? - PDF 1.28M (PDF Help)
Jeremy Tobacman

January 15 - The Impact of State Anti-Predatory Lending Laws: Policy Implications and Insights - PDF 322kb (PDF Help)
Raphael Bostic, Kathleen Engel and Patricia McCoy, Anthony Pennington-Cross, and Susan Wachter

January 16 - Who Saves? The Role of Long-run Earnings and Life Events on Retirement Wealth - PDF 322kb (PDF Help)
Deborah Foster

January 22 - Stock Performance and Merger Choices - PDF 299kb (PDF Help)
Benjamin Mathew

January 24 - The Effect of Wealth on Labor Force Participation of Older Men - PDF 309kb (PDF Help)
Ryan Goodstein

January 29 - Immigrant Networks and Their Implications for Occupational Choice and Wages - PDF 1.10M (PDF Help)
Krishna Patel

January 30 - Changes in Market Responses to Financial Statement Restatement Announcements in the Sarbanes–Oxley Era - PDF 1,300kb (PDF Help)
Steven Byers

January 31 - The Impact of Early-Life Debt on the Homeownership Rates of Young Households: An Empirical Investigation - PDF 388kb (PDF Help)
Jennifer Shand

March 27 - Understanding the Subprime Mortgage Crisis - PDF 402kb (PDF Help)
Yuliya Demyanyk, Banking Supervision and Regulation, Federal Reserve Bank of St. Louis, St. Louis, MO
Otto Van Hemert, Department of Finance, Stern School of Business, New York University, New York, NY

March 27 - Results from a Study of 72 Countries - PDF 395kb (PDF Help)
Winnie Poon, Department of Finance and Insurance, Lingnan University, Tuen Mun, New Territories, Hong Kong
Junsoo Lee, Department of Economics, Finance and Legal Studies, University of Alabama, Tuscaloosa, AL
Benton Gup, Department of Economics, Finance and Legal Studies, University of Alabama, Tuscaloosa, AL

April 21 - A Theory of Bank Resolution: Political Economics and Technological Change - Word 382kb (Word Help)
Robert DeYoung, Capitol Federal Professor in Financial Markets and Institutions, University of Kansas
Jack Reidhill, Federal Deposit Insurance Corporation

April 22 - Loan Growth and Riskiness of Banks - PDF 225kb (PDF Help)
Daniel Foos, Department of Banking and Finance, University of Mannheim
Lars Norden, Department of Banking and Finance, University of Mannheim
Martin Weber, Department of Banking and Finance, University of Mannheim

April 29 - Bankcar: A Credit Risk Model For US Commercial Bank Charge-Offs - PDF 261kb (PDF Help)
Jon Frye, Federal Reserve Bank of Chicago
Eduard Pelz, Federal Reserve Bank of Chicago

June 10 - A Structural Approach to Understanding and Measurement of Residential Mortgage Lending Risk - PDF 922kb (PDF Help)
Ian Harrison, Reserve Bank of New Zealand
Chris Mathew, Reserve Bank of New Zealand

July 15 - Do unsolicited ratings contain a strategic rating component? Evidence from S&P - PDF (PDF Help)
Andre Guttler, European Business School, International University
Christina Bannier, Frankfurt School of Finance and Management
Patrick Behr, Goethe-University Frankfurt

August 5 - Pay for Performance? CEO Compensation and Acquirer Returns in BHC Mergers
Kristina Minnick, Finance Department, Bentley College
Haluk Unal, Robert H. Smith School of Business, University of Maryland and Center for Financial Research, FDIC
Liu Yang, Anderson School of Management, UCLA

August 6 - Legal Origin, Creditor Protection and Bank Lending: Evidence from Emerging Markets - PDF (PDF Help)
Rebel Cole, DePaul University
Rima Turk-Ariss, Lebanese American University

September 8 - Has the CDS market lowered the cost of debt to firms?
Joao Santos, Federal Reserve Bank of New York
Adam Ashcraft, Federal Reserve Bank of New York

September 11 - The Impact of the GSE Accounting Scandals on the Increase in Risky Mortgages - PDF 585K (PDF Help)
Andrew Felton, FDIC and School of Public Policy, University of Maryland

September 19 - Distressed Debt Prices and Recovery Rate Estimation - PDF 369K (PDF Help)
Xin Guo, Department of IEOR, UC at Berkeley
Robert A. Jarrow, Johnson School of Management, Cornell University and Kamakura Corporation
Haizhi Lin, Cornell University

September 25 - Hedging Credit: Equity Liquidity Matters - PDF 290K (PDF Help)
Sanjiv Das, Leavey School of Business, Santa Clara University
Paul Hanouna, Villanova School of Business, Villanova University

October 7 - Understanding the Components of Bank Failure Resolution Costs - PDF 146K (PDF Help)
Rosalind L. Bennett, FDIC Division of Insurance and Research
Haluk Unal, Smith School of Business, University of Maryland and FDIC CFR

October 7 - Do Interest Groups Influence Voting Turnout? Evidence from the 1996 and 2000 U.S. Elections- PDF 191K (PDF Help)
Carlos D. Ramirez, Department of Economics, George Mason University
Aileen G. Sampson, Division of Insurance and Research, Federal Deposit Insurance Corporation

October 8 - Securitization of Subprime Mortgages - An Empirical Analysis of the Loan Sales Decisions of Depository Institutions - PDF 169K (PDF Help)
Paul Calem, Freddie Mac
Jonathan Liles, Freddie Mac
Christopher Henderson, Federal Reserve Bank of Philadelphia