
	Thursday, December 12
6:30 pm	Group Dinner at Monteverdi, Royal Sonesta Hotel
	Friday, December 13
8:15 am	Continental Breakfast
8:45 am	Welcome and Introductions
9:00 am	Subjective Income Expectations and Household Debt Choices Francesco D’Acunto, Georgetown University Michael Weber, University of Chicago and NBER Xiao Yin, University College London
9:30 am	What Explains the Consumption Decisions of Low-Income Households? Sasha Indarte, University of Pennsylvania Raymond Kluender, Harvard University Ulrike Malmendier, University of California, Berkeley and NBER Michael Stepner, University of Toronto
10:00 am	Break
10:15 am	Panel on Open Banking Moderator: Jialan Wang, University of Illinois Urbana-Champaign and NBER Panelists: Erin Allard, Prism Data David Silberman, Financial Health Network Guilherme Themes, Banco Central do Brasil
11:15 am	Break
11:30 am	The Welfare Benefits of Pay-As-You-Go Financing Paul Gertler, University of California, Berkeley and NBER Brett Green, Washington University in St. Louis Renping Li, Washington University in St. Louis David Sraer, University of California, Berkeley and NBER
12:00 pm	Intergenerational Mobility and Credit J. Carter Braxton, University of Wisconsin-Madison Nisha Chikhale, University of Wisconsin-Madison Kyle F. Herkenhoff, University of Minnesota and NBER Gordon M. Phillips, Dartmouth College and NBER
12:30 pm	Lunch - Skyline Room
1:30 pm	Earnings Instability Peter Ganong, University of Chicago and NBER Pascal J. Noel, University of Chicago and NBER Christina Patterson, University of Chicago and NBER Joseph S. Vavra, University of Chicago and NBER Alex Weinberg, University of Chicago
2:00 pm	Expense Shocks Matter Scott Fulford, Consumer Financial Protection Bureau David C. Low, Consumer Financial Protection Bureau
2:30 pm	Break
2:45 pm	Algorithmic Pricing in Multifamily Rentals: Efficiency Gains or Price Coordination Sophie Calder-Wang, University of Pennsylvania Gi Heung Kim, University of Pennsylvania
3:15 pm	Language Frictions in Consumer Credit Chao Liu, Chinese University of Hong Kong
3:45 pm	Break
4:00 pm	Sticky Deposits, not Depositors Bronson Argyle, Brigham Young University Benjamin Iverson, Brigham Young University Jason D. Kotter, Brigham Young University Taylor D. Nadauld, Brigham Young University Christopher Palmer, Massachusetts Institute of Technology and NBER
4:30 pm	Closing Remarks
4:40 pm	Adjourn

Participants

Erin Allard, Prism Data
Bronson Argyle, Brigham Young University
Bridget A. Bearden, Employee Benefit Research Institute (EBRI)
Nathan E. Blascak, Federal Reserve Bank of Philadelphia
Vicki Bogan, Duke University and NBER
Michael Boutros, University of Toronto
J. Carter Braxton, University of Wisconsin-Madison
Sophie Calder-Wang, University of Pennsylvania
John Y. Campbell, Harvard University and NBER
Taha Choukhmane, Massachusetts Institute of Technology and NBER
Francesco D’Acunto, Georgetown University
Scott Fulford, Consumer Financial Protection Bureau
Paul Goldsmith-Pinkham, Yale University and NBER
Brett Green, Washington University in St. Louis
Fiona E. Greig, Vanguard
Benedict Guttman-Kenney, Rice University
Menaka Hampole, Yale School of Management
Rawley Z. Heimer, Arizona State University
Kyle F. Herkenhoff, University of Minnesota and NBER
Sean Higgins, Northwestern University
Agustin Hurtado, University of Maryland
Sasha Indarte, University of Pennsylvania
Ankit Kalda, Indiana University
Martin Kanz, The World Bank
Gi Heung Kim, University of Pennsylvania
Olivia S. Kim, Harvard University
Raymond Kluender, Harvard University
Surya Kolluri, TIAA Institute

Jason D. Kotter, Brigham Young University
Sheisha Kulkarni, University of Virginia
Renping Li, Washington University in St. Louis
Chao Liu, Chinese University of Hong Kong
Ulrike Malmendier, University of California, Berkeley and NBER
Kathleen McKiernan, Vanderbilt University
Paolina C. Medina, University of Houston
Vrinda Mittal, University of North Carolina Chapel Hill
Adair Morse, University of California, Berkeley and NBER
Fabian Nagel, Northwestern University
Scott T. Nelson, University of Chicago
Christopher Palmer, Massachusetts Institute of Technology and NBER
Christina Patterson, University of Chicago and NBER
Gordon M. Phillips, Dartmouth College and NBER
Enrichetta Ravina, Federal Reserve Bank of Chicago
Lawrence D.W. Schmidt, Massachusetts Institute of Technology
Andres Shahidinejad, Northeastern University
David Silberman, Financial Health Network
Janis Skrastins, Washington University in St. Louis
Sharada Sridhar, Georgia Tech
Guilherme Themes, Central Bank of Brazil
Nishant Vats, Washington University in St Louis
Jialan Wang, University of Illinois Urbana-Champaign and NBER
Michael Weber, University of Chicago and NBER
Constantine Yannelis, University of Cambridge and NBER
Xiao Yin, University College London
Stephen P. Zeldes, Columbia University and NBER
Wilbert H. van der Klaauw, Federal Reserve Bank of New York