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Federal Deposit
Insurance Corporation

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

7th Annual FDIC Consumer Research Symposium

7th Annual FDIC Consumer Research Symposium. October 13, 2017. L. William Seidman Center - Sheila C. Bair Auditorium

Conference Agenda - PDF (Printable)

Conference Agenda

8:15 - 9:15am

Breakfast and Registration

9:15 - 9:30am

Chairman's Remarks

Martin J. Gruenberg, Chairman, Federal Deposit Insurance Corporation

9:30 - 10:45am

Panel 1: Credit Utilization and Payment Behavior

The Marginal Propensity to Consume out of Credit: Evidence from Random Assignment of 54,522 Credit Lines

Deniz Aydin, Washington University in St. Louis

How Do Individuals Repay Their Debt? The Balance-Matching Heuristic

Neale Mahoney, University of Chicago
John Gathergood and Jörg Weber, University of Nottingham
Neil Stewart, University of Warwick

Discussant: Joanne Hsu, Federal Reserve Board of Governors

Moderator: Jeffrey Weinstein, Federal Deposit Insurance Corporation

10:45 - 11:00am

Break

11:00am - 12:15pm

Panel 2: Economic Inclusion

Understanding the Racial/Ethnic Gap in Bank Account Ownership among Older Adults

Luisa Blanco, Pepperdine University
Marco Angrisani and Emma Aguila, University of Southern California
Mei Leng, University of California, Los Angeles

Where Credit Is Due: The Relationship between Family Background and Credit Health

Sarena Goodman, Alice Henriques, and Alvaro Mezza, Federal Reserve Board of Governors

Discussant: Bradley Hardy, American University

Moderator: Joyce Northwood, Federal Deposit Insurance Corporation

12:15 - 12:45pm

Lunch

12:45 - 1:35pm

Distinguished Guest Lecture

Christopher Herbert, Managing Director, Joint Center for Housing Studies, Harvard University

1:35 - 1:45pm

Break

1:45 - 3:00pm

Panel 3: Mortgage Markets

“Don't Know What You Got Till It's Gone” — The Effects of the Community Reinvestment Act (CRA) on Mortgage Lending in the Philadelphia Market

Lei Ding and Leonard Nakamura, Federal Reserve Bank of Philadelphia

Mortgage Experience of Borrowers in Non-Metro Counties: Insights from the National Survey of Mortgage Originations

Jaya Dey, Freddie Mac
Tim Critchfield, Consumer Financial Protection Bureau
Nuno Mota, Fannie Mae
Saty Patrabansh, Federal Housing Finance Agency

Discussant: Michael Eriksen, University of Cincinnati

Moderator: Ryan Goodstein, Federal Deposit Insurance Corporation

3:00 - 3:20pm

Break

3:20 - 4:35pm

Panel 4: Credit and the Real Economy

Real Effects of Search Frictions in Consumer Credit Markets

Bronson Argyle and Taylor Nadauld, Brigham Young University
Christopher Palmer, Massachusetts Institute of Technology

Rainy Day Credit? Unsecured Credit and Local Employment Shocks

Jeremy Tobacman, University of Delaware
Benjamin J. Keys, University of Pennsylvania
Jialan Wang, University of Illinois at Urbana-Champaign

Discussant: Paolina Medina, Texas A&M University

Moderator: Alicia Lloro, Federal Deposit Insurance Corporation

4:35 - 5:45pm

Closing Remarks and Reception

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