Sumit Agarwal

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Identifer

Contact

Affiliations

• National University of Singapore (NUS) / Department of Economics (weight: 50%)
  • EDIRC entry
  • location:
• National University of Singapore (NUS) / Business School (weight: 25%)
  • EDIRC entry
  • location:
• National University of Singapore (NUS) / Department of Real Estate (weight: 25%)
  • EDIRC entry
  • location:

Research profile

author of:

• Learning to Cope: Voluntary Financial Education and Loan Performance during a Housing Crisis
  American Economic Review, American Economic Association (2010)
  by Sumit Agarwal & Gene Amromin & Itzhak Ben-David & Souphala Chomsisengphet & Douglas D. Evanoff
  (ReDIF-article, aea:aecrev:v:100:y:2010:i:2:p:495-500)
• The Spending and Debt Response to Minimum Wage Hikes
  American Economic Review, American Economic Association (2012)
  by Daniel Aaronson & Sumit Agarwal & Eric French
  (ReDIF-article, aea:aecrev:v:102:y:2012:i:7:p:3111-39)
• Consumption and Debt Response to Unanticipated Income Shocks: Evidence from a Natural Experiment in Singapore
  American Economic Review, American Economic Association (2014)
  by Sumit Agarwal & Wenlan Qian
  (ReDIF-article, aea:aecrev:v:104:y:2014:i:12:p:4205-30)
• Payday Loans and Credit Cards: New Liquidity and Credit Scoring Puzzles?
  American Economic Review, American Economic Association (2009)
  by Sumit Agarwal & Paige Marta Skiba & Jeremy Tobacman
  (ReDIF-article, aea:aecrev:v:99:y:2009:i:2:p:412-17)
• Cognitive Abilities and Household Financial Decision Making
  American Economic Journal: Applied Economics, American Economic Association (2013)
  by Sumit Agarwal & Bhashkar Mazumder
  (ReDIF-article, aea:aejapp:v:5:y:2013:i:1:p:193-207)
• The Age of Reason: Financial Decisions over the Life Cycle and Implications for Regulation
  Brookings Papers on Economic Activity, Economic Studies Program, The Brookings Institution (2009)
  by Sumit Agarwal & John C. Driscoll & Xavier Gabaix & David Laibson
  (ReDIF-article, bin:bpeajo:v:40:y:2009:i:2009-02:p:51-117)
• The Brokerage Firm Effect In Herding: Evidence From Indonesia
  Journal of Financial Research, Southern Finance Association;Southwestern Finance Association (2011)
  by Sumit Agarwal & I‐Ming Chiu & Chunlin Liu & S. Ghon Rhee
  (ReDIF-article, bla:jfnres:v:34:y:2011:i:3:p:461-479)
• Thy Neighbor’s Mortgage: Does Living in a Subprime Neighborhood Affect One’s Probability of Default?
  Real Estate Economics, American Real Estate and Urban Economics Association (2012)
  by Sumit Agarwal & Brent W. Ambrose & Souphala Chomsisengphet & Anthony B. Sanders
  (ReDIF-article, bla:reesec:v:40:y:2012:i:1:p:1-22)
• The Efficiency of Internal Capital Markets: Evidence from the Annual Capital Expenditure Survey
  Working Papers, Center for Economic Studies, U.S. Census Bureau (2008)
  by Sumit Agarwal & Victor Souphom & Guy Yamashiro
  (ReDIF-paper, cen:wpaper:08-08)
• Optimal Mortgage Refinancing: A Closed Form Solution
  Levine's Working Paper Archive, David K. Levine (2008)
  by Sumit Agarwal & John C Driscoll & David Laibson
  (ReDIF-paper, cla:levarc:122247000000002021)
• Learning in the Credit Card Market
  Levine's Working Paper Archive, David K. Levine (2008)
  by Sumit Agarwal & John C Driscoll & Xavier Gabaix & David Laibson
  (ReDIF-paper, cla:levarc:122247000000002028)
• What is the Age of Reason?
  Issues in Brief, Center for Retirement Research (2009)
  by Sumit Agarwal & John C. Driscoll & Xavier Gabaix & David Laibson
  (ReDIF-paper, crr:issbrf:ib2010-12)
• Pension Participation and Uncovered Workers
  Issues in Brief, Center for Retirement Research (2010)
  by Geoffrey Sanzenbacher & Nadia Karamcheva
  (ReDIF-paper, crr:issbrf:ib2010-13)
• The Term Structure of Lease Rates with Endogenous Default Triggers and Tenant Capital Structure: Theory and Evidence
  Journal of Financial and Quantitative Analysis, Cambridge University Press (2011)
  by Agarwal, Sumit & Ambrose, Brent W. & Huang, Hongming & Yildirim, Yildiray
  (ReDIF-article, cup:jfinqa:v:46:y:2011:i:02:p:553-584_00)
• The Effects of Mandated Financial Counseling on Household Mortgage Decisions: Evidence from a Natural Experiment
  Working Paper Series, Ohio State University, Charles A. Dice Center for Research in Financial Economics (2008)
  by Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Chomsisengphet, Souphala & Evanoff, Douglas D.
  (ReDIF-paper, ecl:ohidic:2008-20)
• Learning to Cope: Voluntary Financial Education Programs and Loan Performance during a Housing Crisis
  Working Paper Series, Ohio State University, Charles A. Dice Center for Research in Financial Economics (2009)
  by Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Chomsisengphet, Souphala & Evanoff, Douglas D.
  (ReDIF-paper, ecl:ohidic:2009-23)
• Market-Based Loss Mitigation Practices for Troubled Mortgages Following the Financial Crisis
  Working Paper Series, Ohio State University, Charles A. Dice Center for Research in Financial Economics (2010)
  by Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Chomsisengphet, Souphala & Evanoff, Douglas D.
  (ReDIF-paper, ecl:ohidic:2010-19)
• The Role of Securitization in Mortgage Renegotiation
  Working Paper Series, Ohio State University, Charles A. Dice Center for Research in Financial Economics (2011)
  by Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Chomsisengphet, Souphala & Evanoff, Douglas D.
  (ReDIF-paper, ecl:ohidic:2011-2)
• Do Loan Officers' Incentives Lead to Lax Lending Standards?
  Working Paper Series, Ohio State University, Charles A. Dice Center for Research in Financial Economics (2012)
  by Ben-David, Itzhak & Agarwal, Sumit
  (ReDIF-paper, ecl:ohidic:2012-07)
• Predatory Lending and the Subprime Crisis
  Working Paper Series, Ohio State University, Charles A. Dice Center for Research in Financial Economics (2012)
  by Agarwal, Sumit & Ben-David, Itzhak & Amromin, Gene & Chomsisengphet, Souphala & Evanoff, Douglas D.
  (ReDIF-paper, ecl:ohidic:2012-08)
• Policy Intervention in Debt Renegotiation: Evidence from the Home Affordable Modification Program
  Working Paper Series, Ohio State University, Charles A. Dice Center for Research in Financial Economics (2012)
  by Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Chomsisengphet, Souphala & Piskorski, Tomasz & Seru, Amit
  (ReDIF-paper, ecl:ohidic:2012-20)
• Collateral Valuation and Borrower Financial Constraints: Evidence from the Residential Real-Estate Market
  Working Paper Series, Ohio State University, Charles A. Dice Center for Research in Financial Economics (2012)
  by Agarwal, Sumit & Ben-David, Itzhak & Yao, Vincent
  (ReDIF-paper, ecl:ohidic:2012-29)
• Why do foreign investors underperform domestic investors in trading activities? Evidence from Indonesia
  Journal of Financial Markets, Elsevier (2009)
  by Agarwal, Sumit & Faircloth, Sheri & Liu, Chunlin & Ghon Rhee, S.
  (ReDIF-article, eee:finmar:v:12:y:2009:i:1:p:32-53)
• Financial markets and the financing choice of firms: Evidence from developing countries
  Global Finance Journal, Elsevier (2004)
  by Agarwal, Sumit & Mohtadi, Hamid
  (ReDIF-article, eee:glofin:v:15:y:2004:i:1:p:57-70)
• Investor demand for IPOs and aftermarket performance: Evidence from the Hong Kong stock market
  Journal of International Financial Markets, Institutions and Money, Elsevier (2008)
  by Agarwal, Sumit & Liu, Chunlin & Rhee, S. Ghon
  (ReDIF-article, eee:intfin:v:18:y:2008:i:2:p:176-190)
• The role of securitization in mortgage renegotiation
  Journal of Financial Economics, Elsevier (2011)
  by Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Chomsisengphet, Souphala & Evanoff, Douglas D.
  (ReDIF-article, eee:jfinec:v:102:y:2011:i:3:p:559-578)
• Adverse selection in mortgage securitization
  Journal of Financial Economics, Elsevier (2012)
  by Agarwal, Sumit & Chang, Yan & Yavas, Abdullah
  (ReDIF-article, eee:jfinec:v:105:y:2012:i:3:p:640-660)
• Predatory lending and the subprime crisis
  Journal of Financial Economics, Elsevier (2014)
  by Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Chomsisengphet, Souphala & Evanoff, Douglas D.
  (ReDIF-article, eee:jfinec:v:113:y:2014:i:1:p:29-52)
• An empirical analysis of home equity loan and line performance
  Journal of Financial Intermediation, Elsevier (2006)
  by Agarwal, Sumit & Ambrose, Brent W. & Chomsisengphet, Souphala & Liu, Chunlin
  (ReDIF-article, eee:jfinin:v:15:y:2006:i:4:p:444-469)
• The impact of the 2001 financial crisis and the economic policy responses on the Argentine mortgage market
  Journal of Housing Economics, Elsevier (2005)
  by Agarwal, Sumit & Chomsisengphet, Souphala & Hassler, Olivier
  (ReDIF-article, eee:jhouse:v:14:y:2005:i:3:p:242-270)
• Where does price discovery occur for stocks traded in multiple markets? Evidence from Hong Kong and London
  Journal of International Money and Finance, Elsevier (2007)
  by Agarwal, Sumit & Liu, Chunlin & Rhee, S. Ghon
  (ReDIF-article, eee:jimfin:v:26:y:2007:i:1:p:46-63)
• Consumer bankruptcy and default: The role of individual social capital
  Journal of Economic Psychology, Elsevier (2011)
  by Agarwal, Sumit & Chomsisengphet, Souphala & Liu, Chunlin
  (ReDIF-article, eee:joepsy:v:32:y:2011:i:4:p:632-650)
• Exemption laws and consumer delinquency and bankruptcy behavior: an empirical analysis of credit card data
  The Quarterly Review of Economics and Finance, Elsevier (2003)
  by Agarwal, Sumit & Liu, Chunlin & Mielnicki, Lawrence
  (ReDIF-article, eee:quaeco:v:43:y:2003:i:2:p:273-289)
• The efficiency of internal capital markets: Evidence from the Annual Capital Expenditure Survey
  The Quarterly Review of Economics and Finance, Elsevier (2011)
  by Agarwal, Sumit & Chiu, I-Ming & Souphom, Victor & Yamashiro, Guy M.
  (ReDIF-article, eee:quaeco:v:51:y:2011:i:2:p:162-172)
• Earnings management behaviors under different economic environments: Evidence from Japanese banks
  International Review of Economics & Finance, Elsevier (2007)
  by Agarwal, Sumit & Chomsisengphet, Souphala & Liu, Chunlin & Ghon Rhee, S.
  (ReDIF-article, eee:reveco:v:16:y:2007:i:3:p:429-443)
• Modeling to Inform Economy-Wide Pandemic Policy: Bringing Epidemiologists and Economists Together
  FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta (2021)
  by Sumit Agarwal & Michael Darden & David Dowdy & Lauren Gardner & Barton Hamilton & Karen A. Kopecky & Melissa Marx & Nicholas Papageorge & Daniel Polsky & Kimberly Powers & Elizabeth Stuart & Matthew Z
  (ReDIF-paper, fip:fedawp:94778)
• Loan commitments and private firms
  Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) (2004)
  by Sumit Agarwal & Souphala Chomsisengphet & John C. Driscoll
  (ReDIF-paper, fip:fedgfe:2004-27)
• Serving the Underserved: Microcredit as a Pathway to Commercial Banks
  Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) (2021)
  by Sumit Agarwal & Thomas Kigabo & Camelia Minoiu & Andrea F. Presbitero & André F. Silva
  (ReDIF-paper, fip:fedgfe:2021-41)
• Who Pays For Your Rewards? Redistribution in the Credit Card Market
  Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) (2023)
  by Sumit Agarwal & Andrea F. Presbitero & André F. Silva & Carlo Wix
  (ReDIF-paper, fip:fedgfe:2023-07)
• Owe a Bank Millions, the Bank Has a Problem: Credit Concentration in Bad Times
  International Finance Discussion Papers, Board of Governors of the Federal Reserve System (U.S.) (2020)
  by Sumit Agarwal & Ricardo Correa & Bernardo Morais & Jessica Roldán & Claudia Ruiz-Ortega
  (ReDIF-paper, fip:fedgif:1288)
• Homebuilders, Affiliated Financing Arms and the Mortgage Crisis
  Economic Perspectives, Federal Reserve Bank of Chicago (2014)
  by Sumit Agarwal & Gene Amromin & Claudine Gartenberg & Anna L. Paulson & Sriram Villupuram
  (ReDIF-article, fip:fedhep:00006)
• How Did the Great Recession Affect Payday Loans?
  Economic Perspectives, Federal Reserve Bank of Chicago (2016)
  by Sumit Agarwal & Tal Gross & Bhashkar Mazumder
  (ReDIF-article, fip:fedhep:00019)
• Determinants of automobile loan default and prepayment
  Economic Perspectives, Federal Reserve Bank of Chicago (2008)
  by Sumit Agarwal & Brent W. Ambrose & Souphala Chomsisengphet
  (ReDIF-article, fip:fedhep:y:2008:i:qiii:p:17-28:n:v.32no.3)
• The asset-backed securities markets, the crisis and TALF
  Economic Perspectives, Federal Reserve Bank of Chicago (2010)
  by Sumit Agarwal & Jacqueline Barrett & Crystal Cun & Mariacristina De Nardi
  (ReDIF-article, fip:fedhep:y:2010:i:qiv:p:101-115:n:v.34no.4)
• How do private firms use credit lines?
  Economic Perspectives, Federal Reserve Bank of Chicago (2011)
  by Sumit Agarwal & Souphala Chomsisengphet & John C. Driscoll
  (ReDIF-article, fip:fedhep:y:2011:i:qii:p:71-79:n:v.35no.2)
• Comparing the prime and subprime mortgage markets
  Chicago Fed Letter, Federal Reserve Bank of Chicago (2007)
  by Sumit Agarwal & Calvin T. Ho
  (ReDIF-article, fip:fedhle:y:2007:i:aug:n:241)
• Why aren't banks lending more? the role of commercial real estate
  Chicago Fed Letter, Federal Reserve Bank of Chicago (2010)
  by Sumit Agarwal & Hesna Genay & Robert McMenamin
  (ReDIF-article, fip:fedhle:y:2010:i:dec:n:281)
• Rescuing asset-backed securities markets
  Chicago Fed Letter, Federal Reserve Bank of Chicago (2010)
  by Sumit Agarwal & Crystal Cun & Mariacristina De Nardi
  (ReDIF-article, fip:fedhle:y:2010:i:jan:n:270)
• Distance and information asymmetries in lending decisions
  Proceedings, Federal Reserve Bank of Chicago (2007)
  by Sumit Agarwal & Robert Hauswald
  (ReDIF-paper, fip:fedhpr:1052)
• Summary of \"benefits of relationship banking: evidence from consumer credit markets\"
  Proceedings, Federal Reserve Bank of Chicago (2008)
  by Sumit Agarwal & Souphala Chomsisengphet & Chunlin Liu
  (ReDIF-paper, fip:fedhpr:1079)
• The asset-backed securities markets, the crisis, and TALF
  Profitwise, Federal Reserve Bank of Chicago (2011)
  by Sumit Agarwal & Jacqueline Barrett & Mariacristina De Nardi
  (ReDIF-article, fip:fedhpw:y:2011:i:apr:p:8-18)
• Do consumers choose the right credit contracts?
  Working Paper Series, Federal Reserve Bank of Chicago (2006)
  by Sumit Agarwal & Souphala Chomsisengphet & Chunlin Liu & Nicholas S. Souleles
  (ReDIF-paper, fip:fedhwp:wp-06-11)
• The age of reason: financial decisions over the lifecycle
  Working Paper Series, Federal Reserve Bank of Chicago (2007)
  by Sumit Agarwal & John C. Driscoll & Xavier Gabaix & David I. Laibson
  (ReDIF-paper, fip:fedhwp:wp-07-05)
• The reaction of consumer spending and debt to tax rebates – evidence from consumer credit data
  Working Paper Series, Federal Reserve Bank of Chicago (2007)
  by Sumit Agarwal & Chunlin Liu & Nicholas S. Souleles
  (ReDIF-paper, fip:fedhwp:wp-07-10)
• The consumption response to minimum wage increases
  Working Paper Series, Federal Reserve Bank of Chicago (2008)
  by Daniel Aaronson & Sumit Agarwal & Eric French
  (ReDIF-paper, fip:fedhwp:wp-07-23)
• Does it pay to read your junk mail? evidence of the effect of advertising on home equity credit choices
  Working Paper Series, Federal Reserve Bank of Chicago (2008)
  by Sumit Agarwal & Brent W. Ambrose
  (ReDIF-paper, fip:fedhwp:wp-08-09)
• The choice between arm's-length and relationship debt: evidence from e-loans
  Working Paper Series, Federal Reserve Bank of Chicago (2008)
  by Sumit Agarwal & Robert Hauswald
  (ReDIF-paper, fip:fedhwp:wp-08-10)
• Do financial counseling mandates improve mortgage choice and performance? Evidence from a legislative experiment
  Working Paper Series, Federal Reserve Bank of Chicago (2009)
  by Sumit Agarwal & Gene Amromin & Itzhak Ben-David & Souphala Chomsisengphet & Douglas D. Evanoff
  (ReDIF-paper, fip:fedhwp:wp-09-07)
• Perverse incentives at the banks? Evidence from a natural experiment
  Working Paper Series, Federal Reserve Bank of Chicago (2009)
  by Sumit Agarwal & Faye H. Wang
  (ReDIF-paper, fip:fedhwp:wp-09-08)
• Benefits of relationship banking: evidence from consumer credit markets
  Working Paper Series, Federal Reserve Bank of Chicago (2010)
  by Sumit Agarwal & Souphala Chomsisengphet & Chunlin Liu & Nicholas S. Souleles
  (ReDIF-paper, fip:fedhwp:wp-2010-05)
• Cognitive abilities and household financial decision making
  Working Paper Series, Federal Reserve Bank of Chicago (2011)
  by Sumit Agarwal & Bhashkar Mazumder
  (ReDIF-paper, fip:fedhwp:wp-2010-16)
• Why do banks reward their customers to use their credit cards?
  Working Paper Series, Federal Reserve Bank of Chicago (2010)
  by Sumit Agarwal & Sujit Chakravorti & Anna Lunn
  (ReDIF-paper, fip:fedhwp:wp-2010-19)
• The role of securitization in mortgage renegotiation
  Working Paper Series, Federal Reserve Bank of Chicago (2011)
  by Sumit Agarwal & Gene Amromin & Itzhak Ben-David & Souphala Chomsisengphet & Douglas D. Evanoff
  (ReDIF-paper, fip:fedhwp:wp-2011-02)
• Market-based loss mitigation practices for troubled mortgages following the financial crisis
  Working Paper Series, Federal Reserve Bank of Chicago (2011)
  by Sumit Agarwal & Gene Amromin & Itzhak Ben-David & Souphala Chomsisengphet & Douglas D. Evanoff
  (ReDIF-paper, fip:fedhwp:wp-2011-03)
• Spending responses to state sales tax holidays
  Working Paper Series, Federal Reserve Bank of Chicago (2012)
  by Sumit Agarwal & Leslie McGranahan
  (ReDIF-paper, fip:fedhwp:wp-2012-10)
• Why do borrowers make mortgage refinancing mistakes?
  Working Paper Series, Federal Reserve Bank of Chicago (2013)
  by Sumit Agarwal & Richard J. Rosen & Vincent W. Yao
  (ReDIF-paper, fip:fedhwp:wp-2013-02)
• Rushing into American Dream? House Prices, Timing of Homeownership, and Adjustment of Consumer Credit
  Working Paper Series, Federal Reserve Bank of Chicago (2013)
  by Sumit Agarwal & Luojia Hu & Xing Huang
  (ReDIF-paper, fip:fedhwp:wp-2013-13)
• Policy Intervention in Debt Renegotiation: Evidence from the Home Affordable Modification Program
  Working Paper Series, Federal Reserve Bank of Chicago (2013)
  by Sumit Agarwal & Gene Amromin & Itzhak Ben-David & Souphala Chomsisengphet & Tomasz Piskorski & Amit Seru
  (ReDIF-paper, fip:fedhwp:wp-2013-27)
• The reaction of consumer spending and debt to tax rebates; evidence from consumer credit data
  Working Papers, Federal Reserve Bank of Philadelphia (2007)
  by Sumit Agarwal & Chunlin Liu & Nicholas S. Souleles
  (ReDIF-paper, fip:fedpwp:07-34)
• Does inequality cause financial distress? Evidence from lottery winners and neighboring bankruptcies
  Working Papers, Federal Reserve Bank of Philadelphia (2016)
  by Sumit Agarwal & Vyacheslav Mikhed & Barry Scholnick
  (ReDIF-paper, fip:fedpwp:16-4)
• Does the Relative Income of Peers Cause Financial Distress? Evidence from Lottery Winners and Neighboring Bankruptcies
  Working Papers, Federal Reserve Bank of Philadelphia (2018)
  by Sumit Agarwal & Vyacheslav Mikhed & Barry Scholnick
  (ReDIF-paper, fip:fedpwp:18-16)
• Peers’ Income and Financial Distress: Evidence from Lottery Winners and Neighboring Bankruptcies
  Working Papers, Federal Reserve Bank of Philadelphia (2018)
  by Sumit Agarwal & Vyacheslav Mikhed & Barry Scholnick
  (ReDIF-paper, fip:fedpwp:18-22)
• Do Minimum Wage Increases Benefit Intended Households? Evidence from the Performance of Residential Leases
  Working Papers, Federal Reserve Bank of Philadelphia (2019)
  by Sumit Agarwal & Brent W. Ambrose & Moussa Diop
  (ReDIF-paper, fip:fedpwp:19-28)
• Bank Stress Test Results and Their Impact on Consumer Credit Markets
  Working Papers, Federal Reserve Bank of Philadelphia (2020)
  by Sumit Agarwal & Xudong An & Lawrence R. Cordell & Raluca Roman
  (ReDIF-paper, fip:fedpwp:88463)
• Reducing Strategic Default in a Financial Crisis
  Working Papers, Federal Reserve Bank of Philadelphia (2022)
  by Sumit Agarwal & Slava Mikhed & Barry Scholnick & Man Zhang
  (ReDIF-paper, fip:fedpwp:93327)
• The Opioid Epidemic and Consumer Credit Supply: Evidence from Credit Cards
  Working Papers, Federal Reserve Bank of Philadelphia (2023)
  by Sumit Agarwal & Wenli Li & Raluca Roman & Nonna Sorokina
  (ReDIF-paper, fip:fedpwp:97380)
• Earnings Management During Distinct Periods of Capital Demand – Evidence from Japanese Banks
  FHFA Staff Working Papers, Federal Housing Finance Agency (2003)
  by Sumit Agarwal & Souphala Chomsisengphet & Chunlin Liu & S. Ghon Rhee
  (ReDIF-paper, hfa:wpaper:03-06)
• The Age of Reason: Financial Decisions over the Life-Cycle with Implications for Regulation
  Scholarly Articles, Harvard University Department of Economics (2009)
  by Laibson, David I. & Agarwal, Sumit & Driscoll, John C. & Gabaix, Xavier
  (ReDIF-paper, hrv:faseco:4554335)
• Optimal Mortgage Reï¬ nancing: A Closed Form Solution
  Scholarly Articles, Harvard University Department of Economics (2012)
  by Agarwal, Sumit & Driscoll, John D. & Laibson, David I.
  (ReDIF-paper, hrv:faseco:9918811)
• Do Forbearance Plans Help Mitigate Credit Card Losses?
  Journal of Family and Economic Issues, Springer (2008)
  by Sumit Agarwal & Souphala Chomsisengphet & Lawrence Mielnicki
  (ReDIF-article, kap:jfamec:v:29:y:2008:i:2:p:191-201)
• Technology transfer perspectives in globalising India (drugs and pharmaceuticals and biotechnology)
  The Journal of Technology Transfer, Springer (2007)
  by S. Agarwal & Ashwani Gupta & R. Dayal
  (ReDIF-article, kap:jtecht:v:32:y:2007:i:4:p:397-423)
• Credit Lines and Credit Utilization
  Journal of Money, Credit and Banking, Blackwell Publishing (2006)
  by Agarwal, Sumit & Ambrose, Brent W. & Liu, Chunlin
  (ReDIF-article, mcb:jmoncb:v:38:y:2006:i:1:p:1-22)
• The Importance of Adverse Selection in the Credit Card Market: Evidence from Randomized Trials of Credit Card Solicitations
  Journal of Money, Credit and Banking, Blackwell Publishing (2010)
  by Sumit Agarwal & Souphala Chomsisengphet & Chunlin Liu
  (ReDIF-article, mcb:jmoncb:v:42:y:2010:i:4:p:743-754)
• The Role of Soft Information in a Dynamic Contract Setting: Evidence from the Home Equity Credit Market
  Journal of Money, Credit and Banking, Blackwell Publishing (2011)
  by Sumit Agarwal & Brent W. Ambrose & Souphala Chomsisengphet & Chunlin Liu
  (ReDIF-article, mcb:jmoncb:v:43:y:2011:i:4:p:633-655)
• Optimal Mortgage Refinancing: A Closed-Form Solution
  Journal of Money, Credit and Banking, Blackwell Publishing (2013)
  by Sumit Agarwal & John C. Driscoll & David I. Laibson
  (ReDIF-article, mcb:jmoncb:v:45:y:2013:i:4:p:591-622)
• The Age of Reason: Financial Decisions Over the Lifecycle
  NBER Working Papers, National Bureau of Economic Research, Inc (2007)
  by Sumit Agarwal & John C. Driscoll & Xavier Gabaix & David Laibson
  (ReDIF-paper, nbr:nberwo:13191)
• Optimal Mortgage Refinancing: A Closed Form Solution
  NBER Working Papers, National Bureau of Economic Research, Inc (2007)
  by Sumit Agarwal & John C. Driscoll & David Laibson
  (ReDIF-paper, nbr:nberwo:13487)
• The Reaction of Consumer Spending and Debt to Tax Rebates -- Evidence from Consumer Credit Data
  NBER Working Papers, National Bureau of Economic Research, Inc (2007)
  by Sumit Agarwal & Chunlin Liu & Nicholas S. Souleles
  (ReDIF-paper, nbr:nberwo:13694)
• Learning in the Credit Card Market
  NBER Working Papers, National Bureau of Economic Research, Inc (2008)
  by Sumit Agarwal & John C. Driscoll & Xavier Gabaix & David Laibson
  (ReDIF-paper, nbr:nberwo:13822)
• Payday Loans and Credit Cards: New Liquidity and Credit Scoring Puzzles?
  NBER Working Papers, National Bureau of Economic Research, Inc (2009)
  by Sumit Agarwal & Paige M. Skiba & Jeremy Tobacman
  (ReDIF-paper, nbr:nberwo:14659)
• Inconsistent Regulators: Evidence From Banking
  NBER Working Papers, National Bureau of Economic Research, Inc (2012)
  by Sumit Agarwal & David Lucca & Amit Seru & Francesco Trebbi
  (ReDIF-paper, nbr:nberwo:17736)
• Policy Intervention in Debt Renegotiation: Evidence from the Home Affordable Modification Program
  NBER Working Papers, National Bureau of Economic Research, Inc (2012)
  by Sumit Agarwal & Gene Amromin & Itzhak Ben-David & Souphala Chomsisengphet & Tomasz Piskorski & Amit Seru
  (ReDIF-paper, nbr:nberwo:18311)
• Did the Community Reinvestment Act (CRA) Lead to Risky Lending?
  NBER Working Papers, National Bureau of Economic Research, Inc (2012)
  by Sumit Agarwal & Efraim Benmelech & Nittai Bergman & Amit Seru
  (ReDIF-paper, nbr:nberwo:18609)
• Regulating Consumer Financial Products: Evidence from Credit Cards
  NBER Working Papers, National Bureau of Economic Research, Inc (2013)
  by Sumit Agarwal & Souphala Chomsisengphet & Neale Mahoney & Johannes Stroebel
  (ReDIF-paper, nbr:nberwo:19484)
• Predatory Lending and the Subprime Crisis
  NBER Working Papers, National Bureau of Economic Research, Inc (2013)
  by Sumit Agarwal & Gene Amromin & Itzhak Ben-David & Souphala Chomsisengphet & Douglas D. Evanoff
  (ReDIF-paper, nbr:nberwo:19550)
• Collateral Valuation and Borrower Financial Constraints: Evidence from the Residential Real Estate Market
  NBER Working Papers, National Bureau of Economic Research, Inc (2013)
  by Sumit Agarwal & Itzhak Ben-David & Vincent Yao
  (ReDIF-paper, nbr:nberwo:19606)
• The Effectiveness of Mandatory Mortgage Counseling: Can One Dissuade Borrowers from Choosing Risky Mortgages?
  NBER Working Papers, National Bureau of Economic Research, Inc (2014)
  by Sumit Agarwal & Gene Amromin & Itzhak Ben-David & Souphala Chomsisengphet & Douglas Evanoff
  (ReDIF-paper, nbr:nberwo:19920)
• Loan Prospecting and the Loss of Soft Information
  NBER Working Papers, National Bureau of Economic Research, Inc (2014)
  by Sumit Agarwal & Itzhak Ben-David
  (ReDIF-paper, nbr:nberwo:19945)
• Holdup by Junior Claimholders: Evidence from the Mortgage Market
  NBER Working Papers, National Bureau of Economic Research, Inc (2014)
  by Sumit Agarwal & Gene Amromin & Itzhak Ben-David & Souphala Chomsisengphet & Yan Zhang
  (ReDIF-paper, nbr:nberwo:20015)
• Mortgage Refinancing, Consumer Spending, and Competition: Evidence from the Home Affordable Refinancing Program
  NBER Working Papers, National Bureau of Economic Research, Inc (2015)
  by Sumit Agarwal & Gene Amromin & Souphala Chomsisengphet & Tim Landvoigt & Tomasz Piskorski & Amit Seru & Vincent Yao
  (ReDIF-paper, nbr:nberwo:21512)
• Do Banks Pass Through Credit Expansions to Consumers Who Want to Borrow?
  NBER Working Papers, National Bureau of Economic Research, Inc (2015)
  by Sumit Agarwal & Souphala Chomsisengphet & Neale Mahoney & Johannes Stroebel
  (ReDIF-paper, nbr:nberwo:21567)
• Loan Product Steering in Mortgage Markets
  NBER Working Papers, National Bureau of Economic Research, Inc (2016)
  by Sumit Agarwal & Gene Amromin & Itzhak Ben-David & Douglas D. Evanoff
  (ReDIF-paper, nbr:nberwo:22696)
• Consumer Mobility and the Local Structure of Consumption Industries
  NBER Working Papers, National Bureau of Economic Research, Inc (2017)
  by Sumit Agarwal & J. Bradford Jensen & Ferdinando Monte
  (ReDIF-paper, nbr:nberwo:23616)
• Searching for Approval
  NBER Working Papers, National Bureau of Economic Research, Inc (2020)
  by Sumit Agarwal & John Grigsby & Ali Hortaçsu & Gregor Matvos & Amit Seru & Vincent Yao
  (ReDIF-paper, nbr:nberwo:27341)
• Noisy Experts? Discretion in Regulation
  NBER Working Papers, National Bureau of Economic Research, Inc (2024)
  by Sumit Agarwal & Bernardo C. Morais & Amit Seru & Kelly Shue
  (ReDIF-paper, nbr:nberwo:32344)
• Does Mandatory Loan Review Affect Mortgage Contract Choice and Performance?
  NFI Working Papers, Indiana State University, Scott College of Business, Networks Financial Institute (2011)
  by Itzhak Ben-David & Sumit Agarwal & Gene Amromin & Souphala Chomsisengphet & Douglas D. Evanoff
  (ReDIF-paper, nfi:nfiwps:2011-wp-12)
• Regulating Consumer Financial Products: Evidence from Credit Cards
  The Quarterly Journal of Economics, President and Fellows of Harvard College (2015)
  by Sumit Agarwal & Souphala Chomsisengphet & Neale Mahoney & Johannes Stroebel
  (ReDIF-article, oup:qjecon:v:130:y:2015:i:1:p:111-164)
• Distance and Private Information in Lending
  The Review of Financial Studies, Society for Financial Studies (2010)
  by Sumit Agarwal
  (ReDIF-article, oup:rfinst:v:23:y:2010:i:7:p:2757-2788)
• The Age of Reason: Financial Decisions Over the Lifecycle
  2008 Meeting Papers, Society for Economic Dynamics (2008)
  by Xavier Gabaix & John C. Driscoll & David Laibson & Sumit Agarwal
  (ReDIF-paper, red:sed008:322)
• The Consumption Response to Minimum Wage Hikes
  2008 Meeting Papers, Society for Economic Dynamics (2008)
  by Sumit Agarwal & Dan Aaronson & Eric French
  (ReDIF-paper, red:sed008:379)
• Electrical and thermal properties of Pr 2/3 (Ba 1−x Cs x ) 1/3 MnO 3 manganites
  The European Physical Journal B: Condensed Matter and Complex Systems, Springer;EDP Sciences (2008)
  by N. Panwar & D. Pandya & A. Rao & K. Wu & N. Kaurav & Y. Kuo & S. Agarwal
  (ReDIF-article, spr:eurphb:v:65:y:2008:i:2:p:179-186)
• Determinants of credit card delinquency and bankruptcy: Macroeconomic factors
  Journal of Economics and Finance, Springer;Academy of Economics and Finance (2003)
  by Sumit Agarwal & Chunlin Liu
  (ReDIF-article, spr:jecfin:v:27:y:2003:i:1:p:75-84)
• Telecommunications and economic growth: a panel data approach
  Applied Economics, Taylor & Francis Journals (2004)
  by Anusua Datta & Sumit Agarwal
  (ReDIF-article, taf:applec:v:36:y:2004:i:15:p:1649-1654)
• A Simple Framework for Estimating Consumer Benefits from Regulating Hidden Fees
  The Journal of Legal Studies, University of Chicago Press (2014)
  by Sumit Agarwal & Souphala Chomsisengphet & Neale Mahoney & Johannes Stroebel
  (ReDIF-article, ucp:jlstud:doi:10.1086/677856)
• The Reaction of Consumer Spending and Debt to Tax Rebates-Evidence from Consumer Credit Data
  Journal of Political Economy, University of Chicago Press (2007)
  by Sumit Agarwal & Chunlin Liu & Nicholas S. Souleles
  (ReDIF-article, ucp:jpolec:v:115:y:2007:i:6:p:986-1019)
• Do consumers choose the right credit contracts?
  CFS Working Paper Series, Center for Financial Studies (CFS) (2005)
  by Agarwal, Sumit & Chomsisengphet, Souphala & Liu, Chunlin & Souleles, Nicholas S.
  (ReDIF-paper, zbw:cfswop:200532)