
	Thursday, July 22
10:30 am	Digital Collateral Paul Gertler, University of California, Berkeley and NBER Brett Green, Washington University in St. Louis Catherine Wolfram, Massachusetts Institute of Technology and NBER Discussant: Emily Breza, Harvard University and NBER
11:15 am	Competition and Selection in Credit Markets Constantine Yannelis, University of Cambridge and NBER Anthony Lee Zhang, University of Chicago Discussant: Claudia Robles Garcia, Stanford University
12:00 noon	Break
12:30 pm	Lightning Session (10-minute presentations, 5-minute general discussion)
	Mortgage Prepayment, Race, and Monetary Policy Kristopher Gerardi, Federal Reserve Bank of Atlanta Paul S. Willen, Federal Reserve Bank of Boston and NBER David Hao Zhang, Rice University
	Using High-Frequency Evaluations to Estimate Discrimination: Evidence from Mortgage Loan Officers Marco Giacoletti, University of Southern California Rawley Z. Heimer, Arizona State University Edison G. Yu, Federal Reserve Bank of Philadelphia
	How Much Does Racial Bias Affect Mortgage Lending? Evidence from Human and Algorithmic Credit Decisions Neil Bhutta, Federal Reserve Board Aurel Hizmo, Federal Reserve Board Daniel R. Ringo, Federal Reserve Board
	Gig-Labor: Trading Safety Nets for Steering Wheels Naser Hamdi, Equifax Inc Vyacheslav Fos, Boston College and NBER Ankit Kalda, Indiana University Jordan Nickerson, University of Washington
	Aversion to Student Debt? Evidence from Low-wage Workers David Sovich, University of Kentucky Radhakrishnan Gopalan, Washington University, St. Louis Barton Hamilton, Washington University in St. Louis Jorge A. Sabat, Washington University in St. Louis
1:45 pm	Break
2:00 pm	Rural Banks Can Reduce Poverty: Evidence from 870 Indian Villages Giorgia Barboni, Warwick University Erica M. Field, Duke University and NBER Rohini Pande, Yale University and NBER Discussant: Sean Higgins, Northwestern University
2:45 pm	Misconduct and Reputation under Imperfect Information Francis Annan, University of California, Berkeley and NBER Discussant: Mariassunta Giannetti, Stockholm School of Economics
3:30 pm	Happy Hour
4:00 pm	Adjourn
	Friday, July 23
	The first two papers are joint with Aging
10:30 am	Measuring Valuation of Liquidity with Penalized Withdrawals (slides) David Coyne, Department of the Treasury Itzik Fadlon, University of California, San Diego and NBER Tommaso Porzio, Columbia University and NBER Discussant: Taha Choukhmane, Massachusetts Institute of Technology and NBER
11:15 am	Demographics, Wealth, and Global Imbalances in the Twenty-First Century Adrien Auclert, Stanford University and NBER Hannes Malmberg, University of Minnesota-Madison Frederic Martenet, Stanford University Matthew Rognlie, Northwestern University and NBER Discussant: Christina Patterson, University of Chicago and NBER
12:00 noon	Break
12:30 pm	Panel: Climate Change and Household Finance Moderator: Adair Morse, University of California, Berkeley and US Dept of the Treasury Panelists: Harrison Hong, Columbia University and NBER Esteban Rossi-Hansberg, University of Chicago and NBER Johannes Stroebel, New York University and NBER
1:45 pm	Break
2:00 pm	Government and Private Household Debt Relief during COVID-19 Susan Cherry, Stanford University Erica Xuewei Jiang, University of Southern California Gregor Matvos, Northwestern University and NBER Tomasz Piskorski, Columbia University and NBER Amit Seru, Stanford University and NBER Discussant: Amir Sufi, University of Chicago and NBER
2:45 pm	Lightning Session (10-minute presentations, 5-minute general discussion)
	Personal Bankruptcy and the Accumulation of Shadow Debt (slides) Bronson Argyle, Brigham Young University Benjamin Iverson, Brigham Young University Taylor D. Nadauld, Brigham Young University Christopher Palmer, Massachusetts Institute of Technology and NBER
	Asset Allocation and Returns in the Portfolios of the Wealthy Cynthia Balloch, London School of Economics Julian Richers, Addepar
	Investor Attention, Reference Points and the Disposition Effect John Gathergood, University of Nottingham George Loewenstein, Carnegie Mellon University Neil Stewart, University of Warwick Edika Quispe-Torreblanca, Leeds University Business School
	The Effect of Stock Ownership on Individual Spending and Loyalty Vrinda Mittal, University of North Carolina Chapel Hill Paolina C. Medina, University of Houston Michaela Pagel, Washington University in St. Louis and NBER
3:45 pm	Happy Hour
4:15 pm	Adjourn
	presenting authors are in bold

Participants

davidzh
susancarter
Paul D. Adams, Innovations for Poverty Action
Manuel Adelino, Duke University and NBER
Sumit Agarwal, National University of Singapore
Stefania Albanesi, University of Miami and NBER
Hunt Allcott, Stanford University and NBER
John Ameriks, The Vanguard Group
Gene Amromin, Federal Reserve Bank of Chicago
Santosh Anagol, University of Pennsylvania
Steffen Andersen, Copenhagen Business School
Francis Annan, University of California, Berkeley and NBER
Bronson Argyle, Brigham Young University
Scott R. Baker, Northwestern University and NBER
Cynthia Balloch, London School of Economics
Giorgia Barboni, Warwick University
Sandra Barbosu
Brian Baugh, University of Nebraska-Lincoln
Taylor Begley, University of Kentucky
Matteo Benetton, University of California, Berkeley
David W. Berger, Duke University and NBER
Daniel Bergstresser, Brandeis University
John Beshears, Harvard University and NBER
Vivek Bhattacharya, Northwestern University and NBER
Cindy Biesenbeek, De Nederlandsche Bank
Laura Blattner, Stanford University
Vicki Bogan, Duke University and NBER
Ron Borzekowski, Yale University
Marieke Bos, Stockholm School of Economics
Emily Breza, Harvard University and NBER
Jing Cai, University of Maryland and NBER
John Y. Campbell, Harvard University and NBER
Christopher D. Carroll, Johns Hopkins University and NBER
Claire Celerier, University of Toronto
Susan Cherry, Stanford University
James J. Choi, Yale University and NBER
Souphala Chomsisengphet, Office of the Comptroller of the Currency
Taha Choukhmane, Massachusetts Institute of Technology and NBER
João F. Cocco, London Business School
J. Anthony Cookson, University of Colorado
Natalie Cox, Princeton University
David Coyne, Department of the Treasury
Karen Croxson, Competition and Markets Authority
Giacomo De Giorgi, University of Geneva
Mariacristina De Nardi, University of Minnesota and NBER
Anthony A. DeFusco, University of Wisconsin-Madison and NBER
Lisa J. Dettling, Federal Reserve Board
Ha Diep-Nguyen, Purdue University
Will S. Dobbie, Harvard University and NBER
Karen Dynan, Harvard University and NBER
Francesco D’Acunto, Georgetown University
Janice C. Eberly, Northwestern University and NBER
Mark L. Egan, Harvard University and NBER
Ronel Elul, Federal Reserve Bank of Philadelphia
Keith Marzilli Ericson, Boston University and NBER
Itzik Fadlon, University of California, San Diego and NBER
Laura Feiveson, U. S. Department of Treasury
Julia Fonseca, University of Illinois at Urbana-Champaign
Christopher Foote, Federal Reserve Bank of Boston
Vyacheslav Fos, Boston College and NBER
John N. Friedman, Brown University and NBER
Cary Frydman, University of Southern California
Andreas Fuster, EPFL and Swiss Finance Institute
Xavier Gabaix, Harvard University and NBER
Pengjie Gao, University of Notre Dame
Antonio Gargano, University of Houston
John Gathergood, University of Nottingham
Kristopher Gerardi, Federal Reserve Bank of Atlanta
Paul Gertler, University of California, Berkeley and NBER
Simon Gervais, Duke University
Marco Giacoletti, University of Southern California
Mariassunta Giannetti, Stockholm School of Economics
Talia Gillis, Columbia University
Xavier Giné, The World Bank
Anastasia Girshina, Stockholm School of Economics
Gopi Shah Goda, Stanford University and NBER
Paul Goldsmith-Pinkham, Yale University and NBER
Francisco Gomes, London Business School
Daniel Goroff, Alfred P. Sloan Foundation
Daniel Gottlieb, London School of Economics
Brett Green, Washington University in St. Louis
Fiona E. Greig, Vanguard
Daniel Grodzicki, Pennsylvania State University
Arpit Gupta, New York University
Benedict Guttman-Kenney, Rice University
Michael Haliassos, Goethe University Frankfurt
Samuel M. Hartzmark, Boston College and NBER
Fumiko Hayashi, Federal Reserve Bank of Kansas City
Rawley Z. Heimer, Arizona State University
Daniel Herbst, University of Arizona
Kyle F. Herkenhoff, University of Minnesota and NBER
Andrew Hertzberg, Federal Reserve Bank of Philadelphia
Sean Higgins, Northwestern University
Aurel Hizmo, Federal Reserve Board
Harrison Hong, Columbia University and NBER
Joanne Hsu, University of Michigan
Allen Hu, University of British Columbia
Xing Huang, Washington University in St. Louis
Robert Hunt, Federal Reserve Bank of Philadelphia
Abigail Hurwitz, Hebrew University
Gastón Illanes, Northwestern University and NBER
Sasha Indarte, University of Pennsylvania
Benjamin Iverson, Brigham Young University
Mark Iwry, The Brookings Institution
Tullio Jappelli, University of Naples Federico II
Erica Xuewei Jiang, University of Southern California
Niels Johannesen, University of Oxford
Ankit Kalda, Indiana University
Martin Kanz, The World Bank
Dean Karlan, Northwestern University and NBER
Benjamin Kay, Federal Reserve Board
Peter Kelly, Claremont McKenna College

Benjamin J. Keys, University of Pennsylvania and NBER
Leora F. Klapper, The World Bank
Raymond Kluender, Harvard University
Ralph S. J. Koijen, University of Chicago and NBER
Dirk Krueger, University of Pennsylvania and NBER
Theresa Kuchler, New York University and NBER
Camelia M. Kuhnen, University of North Carolina at Chapel Hill and NBER
Sheisha Kulkarni, University of Virginia
Jonathan A. Lanning, Federal Reserve Bank of Chicago
Donghoon Lee, Federal Reserve Bank of New York
Yaron Levi, University of Southern California
Geng Li, Federal Reserve Board
Wenli Li, Federal Reserve Bank of Philadelphia
Lee Lockwood, University of Virginia and NBER
Dong Lou, London School of Economics
Annamaria Lusardi, Stanford University and NBER
Brigitte C. Madrian, Brigham Young University and NBER
Neale Mahoney, Stanford University and NBER
Christos Makridis, Stanford University
Gregor Matvos, Northwestern University and NBER
Christopher J. Mayer, Columbia University and NBER
Robert L. McDonald, Northwestern University and NBER
Paolina C. Medina, University of Houston
Maarten Meeuwis, Washington University in St. Louis
Stephan Meier, Columbia University
Atif R. Mian, Princeton University and NBER
Alexander Michaelides, Imperial College London
Olivia S. Mitchell, University of Pennsylvania and NBER
Vrinda Mittal, University of North Carolina Chapel Hill
John A. Mondragon, Federal Reserve Bank of San Francisco
Adair Morse, University of California, Berkeley and NBER
Taylor D. Nadauld, Brigham Young University
Eva Nagypal, Consumer Financial Protection Bureau
Scott T. Nelson, University of Chicago
Jordan Nickerson, University of Washington
Pascal J. Noel, University of Chicago and NBER
Cormac O'Dea, Yale University and NBER
Manisha Padi, University of California at Berkeley
Michaela Pagel, Washington University in St. Louis and NBER
Cynthia A. Pagliaro, Vanguard Group
Christopher Palmer, Massachusetts Institute of Technology and NBER
Rohini Pande, Yale University and NBER
Daniel Paravisini, London School of Economics
Jonathan A. Parker, Massachusetts Institute of Technology and NBER
Fabio Parlapiano, Bank of Italy
Christina Patterson, University of Chicago and NBER
Cameron Peng, London School of Economics
Yuri Pettinicchi, SHARE BERLIN Institute
Tomasz Piskorski, Columbia University and NBER
Tommaso Porzio, Columbia University and NBER
Alessandro Previtero, Indiana University and NBER
Edika Quispe-Torreblanca, Leeds University Business School
Tarun Ramadorai, Imperial College London
Enrichetta Ravina, Federal Reserve Bank of Chicago
Jonathan Reuter, Boston College and NBER
Julian Richers, Addepar
Daniel R. Ringo, Federal Reserve Board
Claudia Robles Garcia, Stanford University
Alberto G. Rossi, Georgetown University
Esteban Rossi-Hansberg, University of Chicago and NBER
John Sabelhaus, Brookings Institution
Claudia Sahm, Jain Family Institute
Lawrence D.W. Schmidt, Massachusetts Institute of Technology
Scott Schuh, West Virginia University
Enrique Seira, Michigan State University
Amit Seru, Stanford University and NBER
Ofer Setty, Tel Aviv University
Felipe Severino, Dartmouth College
Gauri Kartini Shastry, Wellesley College
Clemens Sialm, University of Texas at Austin and NBER
Stephan Siegel, University of Washington
William L. Skimmyhorn, College of William and Mary
Jonathan S. Skinner, Dartmouth College and NBER
Paolo Sodini, Stockholm School of Economics
David H. Solomon, Boston College
Changcheng Song, University of Florida
David Sovich, University of Kentucky
Jann Spiess, Stanford University
Joanna Stavins, Federal Reserve Bank of Boston
Irina Stefanescu, Board of Governors of the Federal Reserve System
Michael Stepner, University of Toronto
Johannes Stroebel, New York University and NBER
Amir Sufi, University of Chicago and NBER
Yang Sun, Brandeis University
László Sándor, Consumer Financial Protection Bureau
Huan Tang, University of Pennsylvania
Dmitry Taubinsky, University of California, Berkeley and NBER
Jeremy Tobacman, University of Delaware
Christopher Tonetti, Stanford University and NBER
Jagdish Tripathy, Bank of England
Raimundo Undurraga, Universidad de Chile
Stephen Utkus, University of Pennsylvania
Joseph S. Vavra, University of Chicago and NBER
Nathanael Vellekoop, Williams College
Emil Verner, Massachusetts Institute of Technology and NBER
Luis M. Viceira, Harvard University and NBER
Annette Vissing-Jorgensen, Federal Reserve Board and NBER
Jialan Wang, University of Illinois Urbana-Champaign and NBER
Paul S. Willen, Federal Reserve Bank of Boston and NBER
Arlene Wong, Princeton University
Siang Leng Wong, Monetary Authority of Singapore
Constantine Yannelis, University of Cambridge and NBER
Vincent Yao, Georgia State University
Motohiro Yogo, Princeton University and NBER
Edison G. Yu, Federal Reserve Bank of Philadelphia
Mike Zabek, Federal Reserve Board
Stephen P. Zeldes, Columbia University and NBER
Christina Yiwei Zhang, University of Wisconsin-Madison
Bilal Zia, Duolingo
Jonathan Zinman, Dartmouth College and NBER
Eric Zwick, University of Chicago and NBER
Wilbert H. van der Klaauw, Federal Reserve Bank of New York