Friday, July 21
8:30 am
Coffee and pastries
9:00 am

Color and Credit: Race, Regulation, and the Quality of Financial Services

Amiyatosh Purnanandam, University of Michigan
Taylor Begley, University of Kentucky

Discussant:
Kenneth Brevoort, Federal Reserve Board of Governors
10:00 am
Break
10:30 am

Real Effects of Search Frictions in Consumer Credit Markets

Bronson Argyle, Brigham Young University
Taylor D. Nadauld, Brigham Young University
Christopher Palmer, Massachusetts Institute of Technology and NBER

Discussant:
Johannes Stroebel, New York University and NBER
11:30 am

Banking Competition and Shrouded Attributes: Evidence from the US Mortgage Market

Sumit Agarwal, National University of Singapore
Changcheng Song, University of Florida
Vincent Yao, Georgia State University

Discussant:
Sergei Koulayev, Consumer Financial Protection Bureau
12:30 pm
Lunch
1:30 pm

Regressive Mortgage Credit Redistribution in the Post-crisis Era

Francesco D’Acunto, Georgetown University
Alberto G. Rossi, Georgetown University

Discussant:
Christopher J. Mayer, Columbia University and NBER
2:30 pm

The Housing Crisis and the Rise in Student Loans

Gene Amromin, Federal Reserve Bank of Chicago
Janice C. Eberly, Northwestern University and NBER
John A. Mondragon, Federal Reserve Bank of San Francisco

Discussant:
Natalie Cox, Princeton University
3:30 pm
Break
4:00 pm

Borrowing to Save?

John Beshears, Harvard University and NBER
James J. Choi, Yale University and NBER
David Laibson, Harvard University and NBER
Brigitte C. Madrian, Brigham Young University and NBER
Bill Skimmyhorn, College of William and Mary

Discussant:
John N. Friedman, Brown University and NBER
5:00 pm
Adjourn
6:00 pm
Group dinner, Bambara (across the street from the Sonesta)
Saturday, July 22
8:00 am
Coffee and pastries
8:30 am

Medicaid and Financial Health

Kenneth Brevoort, Federal Reserve Board of Governors
Daniel Grodzicki, Pennsylvania State University
Martin B. Hackmann, University of California, Los Angeles and NBER

Discussant:
Adrien Matray, Princeton University and NBER
9:30 am

How Do Individuals Repay Their Debt? The Balance-Matching Heuristic

John Gathergood, University of Nottingham
Neale Mahoney, Stanford University and NBER
Neil Stewart, University of Warwick
Joerg Weber, University Of Exeter

Discussant:
Benjamin J. Keys, University of Pennsylvania and NBER
10:30 am
Break
11:00 am

Banking on Trust: How Debit Cards Enable the Poor to Save More

Pierre Bachas, The World Bank
Paul Gertler, University of California, Berkeley and NBER
Sean Higgins, Northwestern University
Enrique Seira, Michigan State University

Discussant:
Shawn Cole, Harvard University and NBER
12:00 noon
Lunch
1:00 pm

The Effect of Debt on Default and Consumption: Evidence from Housing Policy in the Great Recession

Peter Ganong, University of Chicago and NBER
Pascal Noel, University of Chicago and NBER

Discussant:
Therese C. Scharlemann, Federal Reserve Board of Governors
2:00 pm

When Is It Hard to Make Ends Meet?

Brian Baugh, University of Nebraska-Lincoln
Jesse Leary, Amazon
Jialan Wang, University of Illinois Urbana-Champaign and NBER

Discussant:
Justine S. Hastings, University of Washington
3:00 pm
Adjourn