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9th Annual FDIC Consumer Research Symposium

9th Annual FDIC Consumer Research Symposium. October 18, 2019. L. William Seidman Center – Sheila C. Bair Auditorium

Conference Agenda

Video Archive for Morning Session

8:00 – 9:00am

Breakfast and Registration

9:00 – 9:20am

Chairman’s Remarks

Jelena McWilliams, Chairman, Federal Deposit Insurance Corporation

9:20 – 10:30am

Panel 1: Effects of Debt Restructuring

Decomposing Present Value Effects: Evidence From a Large-Scale Restructuring Experiment

Deniz Aydın, Washington University in St. Louis

Second Chance: Life Without Student Debt - PDF

Ankit Kalda, Indiana University
Marco Di Maggio, Harvard University
Vincent Yao, Georgia State University
Presentation - PDF

Discussant: Felicia Ionescu, Federal Reserve Board of Governors
Presentation - PDF

Moderator: Jeffrey Weinstein, Federal Deposit Insurance Corporation

10:30 – 10:50am

Break

10:50am – 12:00pm

Panel 2: Credit Access: Place and Race

Does the Community Reinvestment Act (CRA) Promote Small Business Growth in Lower-Income Neighborhoods?

Mee Jung Kim, George Mason University and U.S. Census Bureau

Discrimination in the Auto Loan Market - PDF

Erik Mayer, Southern Methodist University
Alexander Butler and James Weston, Rice University
Presentation - PDF

Discussant: Kenneth Brevoort, Federal Reserve Board of Governors
Presentation - PDF

Moderator: Alicia Lloro, Federal Deposit Insurance Corporation

12:00 – 1:15pm

Lunch and Poster Session*

Video Archive for Afternoon Session

1:15 – 2:00pm

Distinguished Guest Lecture: The Census Bureau Tries to Be a Good Data Steward in the 21st Century

John Abowd
Chief Scientist and Associate Director for Research and Methodology, U.S. Census Bureau
Edmund Ezra Day Professor of Economics, Professor of Statistics and Information Science, Cornell University
Presentation - PDF

2:00 – 2:15pm

Break

2:15 – 3:25pm

Panel 3: Defaults and Savings Behavior

The Semblance of Success in Nudging Consumers to Pay Down Credit Card Debt

Benedict Guttman-Kenney, University of Chicago
Paul Adams, Autoriteit Financiële Markten
Stefan Hunt, Competition and Markets Authority
David Laibson, Harvard University
Neil Stewart, University of Warwick
Presentation - PDF

Default Options and Retirement Saving Dynamics

Taha Choukhmane, Massachusetts Institute of Technology
Presentation - PDF

Discussant: C. Yiwei Zhang, University of Wisconsin-Madison
Presentation - PDF

Moderator: Nick Frazier, Federal Deposit Insurance Corporation

3:25 – 3:45pm

Break

3:45 – 4:55pm

Panel 4: Mortgage Markets

The Limits of Shadow Banks - PDF

Gregory Buchak and Amit Seru, Stanford University
Gregor Matvos, University of Texas at Austin
Tomasz Piskorski, Columbia University
Presentation - PDF

Mortgage Leverage and House Prices - PDF

Stephanie Johnson, Rice University
Presentation - PDF

Discussant: Laurie Goodman, Urban Institute
Presentation - PDF

Moderator: Ryan Goodstein, Federal Deposit Insurance Corporation

4:55 – 6:00pm

Closing Remarks and Reception




*Poster Session

The Effect of Student Debt on Consumption: A State-Level Analysis - PDF

Berrak Bahadir and Dora Gicheva, University of North Carolina at Greensboro
Poster - PDF

Loan Risk and Strategic Behavior: How Recent Policy Changes Have Impacted Reverse Mortgage Borrowing

Lauren Lambie-Hanson, Federal Reserve Bank of Philadelphia
Stephanie Moulton, Ohio State University

Sustained Credit Card Borrowing - PDF

Sergei Koulayev, Amazon
Daniel Grodzicki, Pennsylvania State University and Consumer Financial Protection Bureau
Poster - PDF

The Power of Percentage: Quantitative Framing of Pension Income - PDF

Henriëtte Prast, Tilburg University
Federica Teppa, De Nederlandsche Bank
Poster - PDF

Trading Equity for Liquidity: Bank Data on the Relationship Between Liquidity and Mortgage Default - PDF

Kanav Bhagat, Diana Farrell, and Chen Zhao, JPMorgan Chase Institute
Poster - PDF

Fintech Nudges: Overspending Messages and Personal Finance Management - PDF

Sung Lee, New York University
Poster - PDF

Does Temporary Mortgage Assistance for Unemployed Homeowners Reduce Longer-Term Mortgage Default? Analysis of the Hardest Hit Fund Program

Stephanie Casey Pierce, Stephanie Moulton, and Yung Chun, Ohio State University
Holly Holtzen, Ohio Housing Finance Agency
Roberto Quercia and Sarah Riley, University of North Carolina at Chapel Hill
Poster - PDF

Manufactured Housing’s Importance in Rural America

Keith Wiley and Isabella Green, Housing Assistance Council
Poster - PDF


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