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Federal Deposit
Insurance Corporation

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

Consumer Research Symposium: Financial Behavior in Turbulent Times

Thursday, September 15, 2011
1:00 PM - 5:00 PM (Eastern Time)

FDIC L. William Seidman Center
Hove Auditorium
3501 Fairfax Drive
Arlington, Virginia 22226

Conference Agenda

12:30pm - 1:15pm - Registration

1:15pm - 1:30pm - Welcome
Mark E. Pearce
Director of the Division of Depositor and Consumer Protection

1:30pm - 3:00pm - PANEL I: Lessons and Limits from Behavioral Economics
Discussant:  Jeremy Tobacman, The Wharton School, University of Pennsylvania
Presentation - PDF (PDF Help)

Limited and Varying Consumer Attention: Evidence from Shocks to the Salience of Bank Overdraft Fees - PDF (PDF Help)
Victor Stango, University of California, Davis
Jonathan Zinman, Dartmouth College and NBER
Presentation - PDF (330 KB) (PDF Help)

When a Nudge Isn't Enough: Defaults and Saving Among Low-Income Tax Filers - PDF (PDF Help)
Erin Todd Bronchetti, David Huffman, Ellen Magenheim, Swarthmore College
Thomas Dee, University Of Virginia
Presentation - PDF (1.6 MB) (PDF Help)

Consumer Misunderstanding of Credit Card Use, Payments and Debt: Causes and Solutions - PDF (PDF Help)
Jack B. Soll, Ralph L. Keeney, and Richard P. Larrick, The Fuqua School of Business, Duke University
Presentation - PDF (368 KB) (PDF Help)

3:00pm – 3:30pm - Break

3:30pm - 5:00pm

PANEL II: Economic Decisions of Financially Constrained Households
Discussant: Kathleen Johnson, Federal Reserve Board
Presentation - PDF (400 KB) (PDF Help)

Financially Fragile Households: Evidence and Implications - PDF (PDF Help)
Annamaria Lusardi, George Washington School of Business and NBER
Daniel J. Schneider, Princeton University
Peter Tufano, Harvard Business School and NBER
Presentation - PDF (254 KB) (PDF Help)

The Financial Crisis at the Kitchen Table: Trends in Household Debt and Credit - PDF (PDF Help)
Meta Brown, Andrew Haughwout, Donghoon Lee, and Wilbert van der Klaauw, Federal Reserve Bank of New York
Presentation - PDF (645 KB) (PDF Help)

Coping with Adversity: Personal Bankruptcy Decisions of Lower-Income Homeowners Before and After Bankruptcy Reform - PDF (PDF Help)
Mark R. Lindblad, Roberto G. Quercia, Sarah F. Riley, Melissa B. Jacoby, Tianji Cai, Ling Wang, and Kim R. Manturuk, Center for Community Capital and School of Law, University of North Carolina at Chapel Hill
Presentation - PDF (586 KB) (PDF Help)