
	Thursday, July 20
8:30 am	Coffee and Pastries
9:00 am	Explaining Racial Disparities in Personal Bankruptcy Outcomes Bronson Argyle, Brigham Young University Sasha Indarte, University of Pennsylvania Benjamin Iverson, Brigham Young University Christopher Palmer, Massachusetts Institute of Technology and NBER Discussant: Brittany A. Lewis, Washington University - St. Louis
9:45 am	Break
10:00 am	From Bail Bonds to Foreclosures: The Financial Consequences of Pretrial Detention Sheng-Jun Xu, University of Alberta Pablo G. Slutzky, University of Maryland Discussant: Arpit Gupta, New York University
10:45 am	Break
11:00 am	Lightning Round
	Are (Nonprofit) Banks Special? The Economic Effects of Banking With Credit Unions Andres V. Shahidinejad, Northeastern University
	The Effects of Cryptocurrency Wealth on Household Consumption and Investment Darren Aiello, Brigham Young University Scott R. Baker, Northwestern University and NBER Tetyana Balyuk, Emory University Marco Di Maggio, Imperial College Business School Mark J. Johnson, Brigham Young University Jason D. Kotter, Brigham Young University
	When Cryptomining Comes to Town Matteo Benetton, University of California, Berkeley Giovanni Compiani, University of Chicago Adair Morse, University of California, Berkeley and NBER
12:00 pm	Lunch
1:00 pm	Designing Pension Plans According to Consumption-Savings Theory Kathrin Schlafmann, Copenhagen Business School Ofer Setty, Tel Aviv University Roine Vestman, Stockholm University Discussant: Indira Puri, New York University
1:45 pm	Break
2:00 pm	Panel: Improving Financial Services for Underserved Households Kenneth Brevoort, Federal Reserve Board Xavier Giné, The World Bank Natasha Sarin, Yale University Mario L. Small, Columbia University
3:00 pm	Break
3:15 pm	Consumer Surveillance and Financial Fraud Bo Bian, University of British Columbia Michaela Pagel, Washington University in St. Louis and NBER Huan Tang, University of Pennsylvania Discussant: Samuel Kruger, University of Texas at Austin
4:00 pm	Adjourn
6:00 pm	Household Finance Wine and Hors d'oeuvres Reception Royal Sonesta Hotel (Longfellow AB)
	Friday, July 21
8:15 am	Coffee and Pastries
8:45 am	Reaching for Yield: Evidence from Households Francisco Gomes, London Business School Cameron Peng, London School of Economics Oksana Smirnova, London Business School Ning Zhu, Brunswick Group Discussant: Alexandru Barbu, INSEAD
9:30 am	Break
9:45 am	Mortgage Lock-In, Mobility, and Labor Reallocation Julia Fonseca, University of Illinois at Urbana-Champaign Lu Liu, University of Pennsylvania Discussant: Timothy McQuade, University of California, Berkeley and NBER
10:30 am	Break
10:45 am	Insuring Labor Income Shocks: The Role of the Dynasty Andreas Fagereng, BI Norwegian Business School Luigi Guiso, Einaudi Institute for Economics and Finance Marius A. K. Ring, University of Texas at Austin Luigi Pistaferri, Stanford University and NBER Discussant: Sylvain Catherine, University of Pennsylvania
11:30 am	Break
11:45 am	Dual Credit Markets: Income Risk, Household Debt, and Consumption David A. Matsa, Northwestern University and NBER Brian T. Melzer, Dartmouth College Michal Zator, University of Notre Dame Discussant: Janet Gao, Georgetown University
12:30 pm	Lunch
1:15 pm	Lightning Round
	The Age Gap in Mortgage Access Natee Amornsiripanitch, Federal Reserve Bank of Philadelphia
	Risky Insurance: Life-cycle Insurance Portfolio Choice with Incomplete Markets Christopher Tonetti, Stanford University and NBER Joseph S. Briggs, Goldman Sachs Ciaran Rogers, HEC Paris
	Longevity, Health and Housing Risks Management in Retirement Pierre-Carl Michaud, HEC Montréal and NBER Pascal St. Amour, HEC University of Lausanne
2:15 pm	Break
2:30 pm	Understanding Capital Gains Responses to Taxes Using Transaction-Level Data Sreeraahul Kancherla, Department of the Treasury Alisa Tazhitdinova, University of California, Santa Barbara and NBER Discussant: Daniel G. Garrett, University of Pennsylvania
3:15 pm	Adjourn

Participants

Manuel Adelino, Duke University and NBER
Darren Aiello, Brigham Young University
Stefania Albanesi, University of Miami and NBER
Roger A. Aliaga-Diaz, The Vanguard Group
Natee Amornsiripanitch, Federal Reserve Bank of Philadelphia
Bronson Argyle, Brigham Young University
Scott R. Baker, Northwestern University and NBER
Tetyana Balyuk, Emory University
Alexandru Barbu, INSEAD
Taylor Begley, University of Kentucky
Matteo Benetton, University of California, Berkeley
John Beshears, Harvard University and NBER
Bo Bian, University of British Columbia
Vicki Bogan, Duke University and NBER
Kenneth Brevoort, Federal Reserve Board
John Y. Campbell, Harvard University and NBER
Christopher D. Carroll, Johns Hopkins University and NBER
Sylvain Catherine, University of Pennsylvania
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
Giovanni Compiani, University of Chicago
J. Anthony Cookson, University of Colorado
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
Joel M. Dickson, Vanguard Investment Strategy Group
Will S. Dobbie, Harvard University and NBER
Karen Dynan, Harvard University and NBER
Mark L. Egan, Harvard University and NBER
Julia Fonseca, University of Illinois at Urbana-Champaign
Andreas Fuster, EPFL and Swiss Finance Institute
Emily Gallagher, University of Colorado at Boulder
Monroe Gamble, Massachusetts Institute of Technology
Janet Gao, Georgetown University
Daniel G. Garrett, University of Pennsylvania
Shan Ge, New York University
Marina Gertsberg, University of Melbourne
Talia Gillis, Columbia University
Xavier Giné, The World Bank
Paul Goldsmith-Pinkham, Yale University and NBER
Francisco Gomes, London Business School
Daniel Greenwald, New York University and NBER
Fiona E. Greig, Vanguard
Daniel Grodzicki, Pennsylvania State University
Luigi Guiso, Einaudi Institute for Economics and Finance
Arpit Gupta, New York University
Michael Haliassos, Goethe University Frankfurt
Rawley Z. Heimer, Arizona State University
Daniel Herbst, University of Arizona
Kyle F. Herkenhoff, University of Minnesota and NBER
Sean Higgins, Northwestern University
Robert Hunt, Federal Reserve Bank of Philadelphia
Abigail Hurwitz, Hebrew University
Sasha Indarte, University of Pennsylvania
Benjamin Iverson, Brigham Young University
Mark Iwry, The Brookings Institution
Erica Xuewei Jiang, University of Southern California
Mark J. Johnson, Brigham Young University
Ankit Kalda, Indiana University
Sreeraahul Kancherla, Department of the Treasury
Martin Kanz, The World Bank
Amir Kermani, University of California, Berkeley and NBER
Benjamin J. Keys, University of Pennsylvania and NBER
Olivia S. Kim, Harvard University
Raymond Kluender, Harvard University
Ralph S. J. Koijen, University of Chicago and NBER
Samuel Kruger, University of Texas at Austin
Lorenz Kueng, Swiss Finance Institute

Camelia M. Kuhnen, University of North Carolina at Chapel Hill and NBER
Sheisha Kulkarni, University of Virginia
David Laibson, Harvard University and NBER
Mattia Landoni, Federal Reserve Bank of Boston
Brian Jonghwan Lee, Columbia Business School
Brittany A. Lewis, Washington University - St. Louis
Wenli Li, Federal Reserve Bank of Philadelphia
Lu Liu, University of Pennsylvania
Lee Lockwood, University of Virginia and NBER
David C. Low, Consumer Financial Protection Bureau
Neale Mahoney, Stanford University and NBER
David A. Matsa, Northwestern University and NBER
Timothy McQuade, University of California, Berkeley and NBER
Paolina C. Medina, University of Houston
Maarten Meeuwis, Washington University in St. Louis
Alexander Michaelides, Imperial College London
Olivia S. Mitchell, University of Pennsylvania and NBER
Adair Morse, University of California, Berkeley and NBER
Scott T. Nelson, University of Chicago
Pascal J. Noel, University of Chicago and NBER
Cormac O'Dea, Yale University and NBER
Michaela Pagel, Washington University in St. Louis and NBER
Christopher Palmer, Massachusetts Institute of Technology and NBER
Jonathan A. Parker, Massachusetts Institute of Technology and NBER
Cameron Peng, London School of Economics
Luigi Pistaferri, Stanford University and NBER
Tommaso Porzio, Columbia University and NBER
James M. Poterba, Massachusetts Institute of Technology
Alessandro Previtero, Indiana University and NBER
Indira Puri, New York University
Tarun Ramadorai, Imperial College London
Enrichetta Ravina, Federal Reserve Bank of Chicago
Andy Reed, Vanguard
Jonathan Reuter, Boston College and NBER
Marius A. K. Ring, University of Texas at Austin
Claudia Robles Garcia, Stanford University
Alberto G. Rossi, Georgetown University
John Sabelhaus, Brookings Institution
Natasha Sarin, Yale University
Parinitha R. Sastry, Columbia University
Kathrin Schlafmann, Copenhagen Business School
Lawrence D.W. Schmidt, Massachusetts Institute of Technology
Ofer Setty, Tel Aviv University
Felipe Severino, Dartmouth College
Andres Shahidinejad, Northeastern University
Stephan Siegel, University of Washington
Janis Skrastins, Washington University in St. Louis
Srishti Slaria, University of Kansas
Pablo G. Slutzky, University of Maryland
Mario L. Small, Columbia University
Oksana Smirnova, London Business School
Jann Spiess, Stanford University
Pascal St. Amour, HEC University of Lausanne
László Sándor, Consumer Financial Protection Bureau
Huan Tang, University of Pennsylvania
Alisa Tazhitdinova, University of California, Santa Barbara and NBER
Christopher Tonetti, Stanford University and NBER
Boris Vallee, Harvard University
Nishant Vats, Washington University in St Louis
Emil Verner, Massachusetts Institute of Technology and NBER
Luis M. Viceira, Harvard University and NBER
Angelino Viceisza, Spelman College and NBER
Jialan Wang, University of Illinois Urbana-Champaign and NBER
Lulu Wang, Northwestern University
Emily Williams, Harvard University
Constantine Yannelis, University of Cambridge and NBER
Motohiro Yogo, Princeton University and NBER
Michal Zator, University of Notre Dame
Stephen P. Zeldes, Columbia University and NBER
Jonathan Zinman, Dartmouth College and NBER
Eric Zwick, University of Chicago and NBER