Innovative Data in Household Finance: Opportunities and Challenges
Organized by Sean Higgins, Sasha Indarte, and Stephen P. Zeldes
Supported by the Alfred P. Sloan Foundation
December 13, 2024
Royal Sonesta Hotel, Longfellow Room, 40 Edwin H. Land Blvd., Cambridge, MA
Format: 30 mins per paper, 20 mins for presentation and 10 mins for Q&A

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 and NBER
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 Delaware
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, The Chinese University of Hong Kong (CUHK)

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