Gene Amromin

Names

Identifer

Contact

Affiliations

• Federal Reserve Bank of Chicago
  • 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 Great Recession and Credit Trends across Income Groups
  American Economic Review, American Economic Association (2015)
  by Gene Amromin & Leslie McGranahan
  (ReDIF-article, aea:aecrev:v:105:y:2015:i:5:p:147-53)
• Financial Education versus Costly Counseling: How to Dissuade Borrowers from Choosing Risky Mortgages?
  American Economic Journal: Economic Policy, American Economic Association (2020)
  by Sumit Agarwal & Gene Amromin & Itzhak Ben-David & Souphala Chomsisengphet & Douglas D. Evanoff
  (ReDIF-article, aea:aejpol:v:12:y:2020:i:1:p:1-32)
• Education Financing and Student Lending
  Annual Review of Financial Economics, Annual Reviews (2016)
  by Gene Amromin & Janice Eberly
  (ReDIF-article, anr:refeco:v:8:y:2016:p:289-315)
• How Did the 2003 Dividend Tax Cut Affect Stock Prices?
  Financial Management, Financial Management Association International (2008)
  by Gene Amromin & Paul Harrison & Steven Sharpe
  (ReDIF-article, bla:finmgt:v:37:y:2008:i:4:p:625-646)
• The Politics of Foreclosures
  Journal of Finance, American Finance Association (2018)
  by Sumit Agarwal & Gene Amromin & Itzhak Ben‐David & Serdar Dinc
  (ReDIF-article, bla:jfinan:v:73:y:2018:i:6:p:2677-2717)
• Household inequality and the consumption response to aggregate real shocks
  CEPR Discussion Papers, C.E.P.R. Discussion Papers (2017)
  by De Nardi, Mariacristina & Amromin, Gene & Schulze, Karl
  (ReDIF-paper, cpr:ceprdp:12459)
• Holdup by Junior Claimholders: Evidence from the Mortgage Market
  Journal of Financial and Quantitative Analysis, Cambridge University Press (2019)
  by Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Chomsisengphet, Souphala & Zhang, Yan
  (ReDIF-article, cup:jfinqa:v:54:y:2019:i:01:p:247-274_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)
• 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)
• Second Liens and the Holdup Problem in Mortgage Renegotiation
  Working Paper Series, Ohio State University, Charles A. Dice Center for Research in Financial Economics (2014)
  by Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Chomsisengphet, Souphala & Zhang, Yan
  (ReDIF-paper, ecl:ohidic:2014-02)
• Loan Product Steering in Mortgage Markets
  Working Paper Series, Ohio State University, Charles A. Dice Center for Research in Financial Economics (2016)
  by Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Evanoff, Douglas D.
  (ReDIF-paper, ecl:ohidic:2016-18)
• The Politics of Foreclosures
  Working Paper Series, Ohio State University, Charles A. Dice Center for Research in Financial Economics (2017)
  by Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Dinc, Serdar
  (ReDIF-paper, ecl:ohidic:2017-21)
• Policy Intervention in Debt Renegotiation: Evidence from the Home Affordable Modification Program
  Research Papers, Stanford University, Graduate School of Business (2016)
  by Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Chomsisengphat, Souphala & Piskorski, Tomas & Seru, Amit
  (ReDIF-paper, ecl:stabus:3459)
• 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)
• 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)
• Financial literacy and financial planning: Evidence from India
  Journal of Housing Economics, Elsevier (2015)
  by Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Chomsisengphet, Souphala & Evanoff, Douglas D.
  (ReDIF-article, eee:jhouse:v:27:y:2015:i:c:p:4-21)
• The tradeoff between mortgage prepayments and tax-deferred retirement savings
  Journal of Public Economics, Elsevier (2007)
  by Amromin, Gene & Huang, Jennifer & Sialm, Clemens
  (ReDIF-article, eee:pubeco:v:91:y:2007:i:10:p:2014-2040)
• Transforming payment choices by doubling fees on the Illinois Tollway
  Conference Series ; [Proceedings], Federal Reserve Bank of Boston (2005)
  by Gene Amromin & Carrie Jankowski & Richard D. Porter
  (ReDIF-article, fip:fedbcp:y:2005:x:4)
• Expectations of risk and return among household investors: Are their Sharpe ratios countercyclical?
  Proceedings, Federal Reserve Bank of San Francisco (2009)
  by Gene Amromin & Steven A. Sharpe
  (ReDIF-article, fip:fedfpr:y:2009:i:jan:x:1)
• Precautionary savings motives and tax efficiency of household portfolios: an empirical analysis
  Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) (2005)
  by Gene Amromin
  (ReDIF-paper, fip:fedgfe:2005-01)
• From the horse's mouth: gauging conditional expected stock returns from investor surveys
  Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) (2005)
  by Gene Amromin & Steven A. Sharpe
  (ReDIF-paper, fip:fedgfe:2005-26)
• How did the 2003 dividend tax cut affect stock prices and corporate payout policy?
  Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) (2005)
  by Gene Amromin & Paul Harrison & J. Nellie Liang & Steven A. Sharpe
  (ReDIF-paper, fip:fedgfe:2005-57)
• How did the 2003 dividend tax cut affect stock prices?
  Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) (2005)
  by Gene Amromin & Paul Harrison & Steven A. Sharpe
  (ReDIF-paper, fip:fedgfe:2005-61)
• Expectations of risk and return among household investors: Are their Sharpe ratios countercyclical?
  Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) (2008)
  by Gene Amromin & Steven A. Sharpe
  (ReDIF-paper, fip:fedgfe:2008-17)
• From the horse’s mouth: gauging conditional expected stock returns from investor surveys
  Proceedings, Board of Governors of the Federal Reserve System (U.S.) (2005)
  by Gene Amromin & Steven A. Sharpe
  (ReDIF-article, fip:fedgpr:y:2005:x:30)
• 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)
• Household Inequality and the Consumption Response to Aggregate Real Shocks
  Economic Perspectives, Federal Reserve Bank of Chicago (2018)
  by Gene Amromin & Mariacristina De Nardi & Karl Schulze
  (ReDIF-article, fip:fedhep:00030)
• Transforming payment choices by doubling fees on the Illinois Tollway
  Economic Perspectives, Federal Reserve Bank of Chicago (2007)
  by Gene Amromin & Carrie Jankowski & Richard D. Porter
  (ReDIF-article, fip:fedhep:y:2007:i:qii:p:22-47:n:v.31no.2)
• Economic Perspectives special issue on payments fraud: an introduction
  Economic Perspectives, Federal Reserve Bank of Chicago (2009)
  by Gene Amromin & Richard D. Porter
  (ReDIF-article, fip:fedhep:y:2009:i:qi:p:2-6:n:v.33no.1)
• Comparing patterns of default among prime and subprime mortgages
  Economic Perspectives, Federal Reserve Bank of Chicago (2009)
  by Gene Amromin & Anna L. Paulson
  (ReDIF-article, fip:fedhep:y:2009:i:qii:p:18-37:n:v.33no.2)
• Consumer Credit Trends by Income and Geography in 2001–12
  Chicago Fed Letter, Federal Reserve Bank of Chicago (2015)
  by Gene Amromin & Leslie McGranahan & Diane Whitmore Schanzenbach
  (ReDIF-article, fip:fedhle:00030)
• Mortgage Refinancing during the Great Recession: The Role of Credit Scores
  Chicago Fed Letter, Federal Reserve Bank of Chicago (2016)
  by Gene Amromin & Benjamin J. Keys & Arthur J. Murton
  (ReDIF-article, fip:fedhle:00042)
• Inequality and Recessions
  Chicago Fed Letter, Federal Reserve Bank of Chicago (2018)
  by Gene Amromin & Mariacristina De Nardi & Karl Schulze
  (ReDIF-article, fip:fedhle:00081)
• Helping Homeowners During the Covid-19 Pandemic: Lessons from the Great Recession
  Chicago Fed Letter, Federal Reserve Bank of Chicago (2020)
  by Gene Amromin & Jane K. Dokko & Karen E. Dynan
  (ReDIF-article, fip:fedhle:88287)
• Helping Homeowners During the Covid-19 Pandemic: Lessons from the Great Recession
  Chicago Fed Letter, Federal Reserve Bank of Chicago (2020)
  by Gene Amromin & Jane Dokko & Karen E. Dynan
  (ReDIF-article, fip:fedhle:92686)
• Why Housing Has Been So Strong, but Might Not Be for Long
  Chicago Fed Letter, Federal Reserve Bank of Chicago (2023)
  by Gene Amromin & Jonas D. M. Fisher & Marcelo Veracierto
  (ReDIF-article, fip:fedhle:97418)
• Inducing more efficient payment on the Illinois Tollway
  Chicago Fed Letter, Federal Reserve Bank of Chicago (2006)
  by Gene Amromin & Carrie Jankowski & Richard D. Porter
  (ReDIF-article, fip:fedhle:y:2006:i:apr:n:225)
• Using payment innovations to improve transportation networks: a conference summary
  Chicago Fed Letter, Federal Reserve Bank of Chicago (2007)
  by Gene Amromin & Carrie Jankowski & Elizabeth Nieman & Richard D. Porter
  (ReDIF-article, fip:fedhle:y:2007:i:sep:n:242b)
• Tempestuous municipal debt markets: Oxymoron or new reality?
  Chicago Fed Letter, Federal Reserve Bank of Chicago (2011)
  by Gene Amromin & Anna L. Paulson
  (ReDIF-article, fip:fedhle:y:2011:i:oct:n:291)
• Detroit’s bankruptcy: the uncharted waters of Chapter 9
  Chicago Fed Letter, Federal Reserve Bank of Chicago (2013)
  by Gene Amromin & Benjamin Chabot
  (ReDIF-article, fip:fedhle:y:2013:i:nov:n:316)
• The When, What and Where of Consumer Debt: The View from Cook County
  Profitwise, Federal Reserve Bank of Chicago (2016)
  by Gene Amromin & Leslie McGranahan
  (ReDIF-article, fip:fedhpw:00024)
• Default rates on prime and subprime mortgages: differences & similarities
  Profitwise, Federal Reserve Bank of Chicago (2010)
  by Gene Amromin & Anna L. Paulson
  (ReDIF-article, fip:fedhpw:y:2010:i:sep:p:1-10)
• The tradeoff between mortgage prepayments and tax-deferred retirement savings
  Working Paper Series, Federal Reserve Bank of Chicago (2006)
  by Gene Amromin & Jennifer Huang & Clemens Sialm
  (ReDIF-paper, fip:fedhwp:wp-06-05)
• Transforming payment choices by doubling fees on the Illinois tollway
  Working Paper Series, Federal Reserve Bank of Chicago (2006)
  by Gene Amromin & Carrie Jankowski & Richard D. Porter
  (ReDIF-paper, fip:fedhwp:wp-06-16)
• How did the 2003 dividend tax cut affect stock prices?
  Working Paper Series, Federal Reserve Bank of Chicago (2006)
  by Gene Amromin & Paul Harrison & Steven A. Sharpe
  (ReDIF-paper, fip:fedhwp:wp-06-17)
• Debit card and cash usage: a cross-country analysis
  Working Paper Series, Federal Reserve Bank of Chicago (2007)
  by Gene Amromin & Sujit Chakravorti
  (ReDIF-paper, fip:fedhwp:wp-07-04)
• 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)
• Complex mortgages
  Working Paper Series, Federal Reserve Bank of Chicago (2010)
  by Gene Amromin & Jennifer Huang & Clemens Sialm & Edward Zhong
  (ReDIF-paper, fip:fedhwp:wp-2010-17)
• 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)
• From the horse’s mouth: how do investor expectations of risk and return vary with economic conditions?
  Working Paper Series, Federal Reserve Bank of Chicago (2012)
  by Gene Amromin & Steven A. Sharpe
  (ReDIF-paper, fip:fedhwp:wp-2012-08)
• 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)
• Access to Refinancing and Mortgage Interest Rates: HARPing on the Importance of Competition
  Working Paper Series, Federal Reserve Bank of Chicago (2014)
  by Gene Amromin & Caitlin Kearns
  (ReDIF-paper, fip:fedhwp:wp-2014-25)
• From the Horse's Mouth: Economic Conditions and Investor Expectations of Risk and Return
  Management Science, INFORMS (2014)
  by Gene Amromin & Steven A. Sharpe
  (ReDIF-article, inm:ormnsc:v:60:y:2014:i:4:p:845-866)
• Household Portfolio Choices in Taxable and Tax-Deferred Accounts: Another Puzzle?
  Review of Finance, Springer (2003)
  by Gene Amromin
  (ReDIF-article, kap:eurfin:v:7:y:2003:i:3:p:547-582)
• Whither Loose Change? The Diminishing Demand for Small-Denomination Currency
  Journal of Money, Credit and Banking, Blackwell Publishing (2009)
  by Gene Amromin & Sujit Chakravorti
  (ReDIF-article, mcb:jmoncb:v:41:y:2009:i:2-3:p:315-335)
• Precautionary Savings Motives and Tax Efficiency of Household Portfolios: An Empirical Analysis
  NBER Chapters, National Bureau of Economic Research, Inc (2008)
  by Gene Amromin
  (ReDIF-chapter, nbr:nberch:2360)
• The Tradeoff between Mortgage Prepayments and Tax-deferred Retirement Savings
  NBER Chapters, National Bureau of Economic Research, Inc (2007)
  by Gene Amromin & Jennifer Huang & Clemens Sialm
  (ReDIF-chapter, nbr:nberch:4363)
• The Tradeoff Between Mortgage Prepayments and Tax-Deferred Retirement Savings
  NBER Working Papers, National Bureau of Economic Research, Inc (2006)
  by Gene Amromin & Jennifer Huang & Clemens Sialm
  (ReDIF-paper, nbr:nberwo:12502)
• Complex Mortgages
  NBER Working Papers, National Bureau of Economic Research, Inc (2011)
  by Gene Amromin & Jennifer Huang & Clemens Sialm & Edward Zhong
  (ReDIF-paper, nbr:nberwo:17315)
• 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)
• 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)
• 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)
• 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)
• 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)
• Household Inequality and the Consumption Response to Aggregate Real Shocks
  NBER Working Papers, National Bureau of Economic Research, Inc (2017)
  by Gene Amromin & Mariacristina De Nardi & Karl Schulze
  (ReDIF-paper, nbr:nberwo:24073)
• Refinancing, Monetary Policy, and the Credit Cycle
  NBER Working Papers, National Bureau of Economic Research, Inc (2020)
  by Gene Amromin & Neil Bhutta & Benjamin J. Keys
  (ReDIF-paper, nbr:nberwo:28039)
• 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)
• Hedging Employee Stock Options, Corporate Taxes, and Debt
  National Tax Journal, National Tax Association;National Tax Journal (2003)
  by Amromin, Gene & Liang, Nellie
  (ReDIF-article, ntj:journl:v:56:y:2003:i:3:p:513-33)
• What Explains Early Withdrawals From Retirement Accounts? Evidence From a Panel of Taxpayers
  National Tax Journal, National Tax Association;National Tax Journal (2003)
  by Amromin, Gene & Smith, Paul
  (ReDIF-article, ntj:journl:v:56:y:2003:i:3:p:595-612)
• Household Portfolio Choices in Taxable and Tax-Deferred Accounts: Another Puzzle?
  Review of Finance, European Finance Association (2003)
  by Gene Amromin
  (ReDIF-article, oup:revfin:v:7:y:2003:i:3:p:547-582.)
• The Housing Crisis and the Rise in Student Loans
  2017 Meeting Papers, Society for Economic Dynamics (2017)
  by John Mondragon & Janice Eberly & Gene Amromin
  (ReDIF-paper, red:sed017:369)
• Policy Intervention in Debt Renegotiation: Evidence from the Home Affordable Modification Program
  Journal of Political Economy, University of Chicago Press (2017)
  by Sumit Agarwal & Gene Amromin & Itzhak Ben-David & Souphala Chomsisengphet & Tomasz Piskorski & Amit Seru
  (ReDIF-article, ucp:jpolec:doi:10.1086/691701)
• Whither Loose Change? The Diminishing Demand for Small‐Denomination Currency
  Journal of Money, Credit and Banking, Blackwell Publishing (2009)
  by Gene Amromin & Sujit Chakravorti
  (ReDIF-article, wly:jmoncb:v:41:y:2009:i:2-3:p:315-335)