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Federal Deposit
Insurance Corporation

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

8th Annual FDIC Consumer Research Symposium

8th Annual FDIC Consumer Research Symposium. October 12, 2018. L. William Seidman Center – Sheila C. Bair Auditorium

Conference Agenda

Archived Webcast (Video)

8:00 – 9:00am

Breakfast and Registration

9:00 – 10:15am

Panel 1: Interventions to Improve Financial Behavior

Do Prize-Linked Incentives Promote Positive Financial Behavior? Evidence from a Debt Reduction Intervention

Jeremy Burke, University of Southern California
Presentation – PDF

Sending out an SMS: Two Studies of Overdraft Alerts

Michael Grubb, Boston College
Paul Adams, Andrea Caflisch, Darragh Kelly, and Jeroen Nieboer, Financial Conduct Authority
Matthew Osborne, University of Toronto
Presentation – PDF

Discussant: William Skimmyhorn, College of William and Mary

Presentation – PDF

Moderator: Jeffrey Weinstein, Federal Deposit Insurance Corporation

10:15 – 10:35am


10:35 – 11:50am

Panel 2: Liquidity Shocks and Household Consumption

A Day Late and a Dollar Short: Liquidity and Household Formation among Student Borrowers – PDF (3MB)

Constantine Yannelis, University of Chicago
Sarena Goodman, Federal Reserve Board of Governors
Adam Isen, U.S. Department of the Treasury
Presentation – PDF

Did the ACA’s Dependent Coverage Mandate Reduce Financial Distress for Young Adults? – PDF (3MB)

Vyacheslav Mikhed and Nathan Blascak, Federal Reserve Bank of Philadelphia

Discussant: Cindy Soo, University of Michigan

Moderator: Alicia Lloro, Federal Deposit Insurance Corporation

11:50am – 12:30pm


12:30 – 1:20pm

Distinguished Guest Lecture: (Un)Fairness in Machine Learning

Aaron Roth, Class of 1940 Bicentennial Term Associate Professor of Computer and Information Science, University of Pennsylvania
Presentation – PDF (5MB)

1:20 – 1:30pm


1:30 – 1:50pm

Chairman’s Remarks

Jelena McWilliams, Chairman, Federal Deposit Insurance Corporation

1:50 – 3:05pm

Panel 3: Mortgage Markets

The Role of Technology in Mortgage Lending – PDF (3MB)

Matthew Plosser and James Vickery, Federal Reserve Bank of New York
Andreas Fuster, Swiss National Bank
Philipp Schnabl, New York University
Presentation – PDF

Paying too Much? Price Dispersion in the U.S. Mortgage Market – PDF (3MB)

Aurel Hizmo and Neil Bhutta, Federal Reserve Board of Governors
Andreas Fuster, Swiss National Bank
Presentation – PDF

Discussant: John Mondragon, Northwestern University

Presentation – PDF

Moderator: Ryan Goodstein, Federal Deposit Insurance Corporation

3:05 – 3:25pm


3:25 – 4:40pm

Panel 4: Consumer Decisionmaking

The Costs of Financial Mistakes: Evidence from U.S. Consumers – PDF

Adam Jørring, Boston College

Interest Rates: Prices Hidden in Plain Sight – PDF (5MB)

Mary Zaki, University of Maryland
Presentation – PDF

Discussant: Daniel Grodzicki, Pennsylvania State University

Presentation – PDF

Moderator: Nick Frazier, Federal Deposit Insurance Corporation

4:40 – 5:45pm

Closing Remarks and Reception

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