- Relationship Lending: Evidence from the Consumer Credit Market (with Chomsisengphet, S., C. Liu, and N. Souleles)
- Soft Information and Firm Monitoring (with Chomsisengphet, S., C. Liu, and N. Souleles)
- The Choice Between Informed and Arm's Length Debt (with Hauswald, R)
- Authority and Information (with Hauswald, R)
- Role of Collateral in Financial Decision Making (with Hauswald, R)
- Credit Scoring and Information in Large and Small Banks (with Hauswald, R)
- Asymmetric Information and Credit Card Securitization (with Ambrose, B., S. Chomsisengphet, and C. Liu)
- Joint Liability Lending and Default Behavior (with Ambrose, B., S. Chomsisengphet, and C. Liu)
- Living Likes the Jones: Evidence from Home Equity Cash Our Behavior (with Ambrose, B., S. Chomsisengphet, and C. Liu)
- Credit Markets and Spending Aversion (with Chomsisengphet, S)
- Market Based Loan Mitigation Practices for Troubles Mortgages following the Mortgage Crisis (with Amromin, G., I. Ben-David, S. Chomsisengphet, and D. Evanoff)
- The Washington Post, November 10, 2010
- Liquidation and Self-cure of Distressed Mortgages Following the Financial Crisis (with Amromin, G., I. Ben-David, S. Chomsisengphet, and D. Evanoff)
- What Works in Loan Modification: Principal Reduction or Interest Rate Consessions (with Amromin, G., I. Ben-David, S. Chomsisengphet, and D. Evanoff)
- The Politics of Mortgage Foreclosures (with Amromin, G., I. Ben-David, and S. Dinc)
- Financial Smoking Guns: High Frequency Links between Transactions and Crime (with Skiba, P., J. Tobacman)
- The Impact of Consumer Spending Dynamics and Debt on Bankruptcy Chapter Choice (with Liu, C., and Skiba, P)
- Do Bankrupt Households Lie about Debt and Assets? (with Chomsisengphet, S., and P. Skiba)
- Dismissal with Prejudice? Race and Politics in Personal Bankrutpcy (with Chomsisengphet, S., R. McManemin, and Skiba, P)
- The Subprime Virus: Theory and Evidence (with Ambrose, B and Y. Yildirim)
- Do Loan Officers' Incentives Lead to Lax Lending Standards (with Ben-David, Z)
- Subprime Mortgages, Speculation and Housing Bubbles (with Ambrose, B. A. Sanders, and S. Villupuram)
- Homebuilder, Affiliated Financing Arms and the Current Mortgage Crisis (withAmromin, G., A. Paulson, C. Gartenberg, and S. Villupuram)
- The Impact of Judicial Foreclosure Laws on Mortgage Approvals, Terms, and Performance (with Ambrose, B.,I. Ben-David, and S. Villupuram)
- Household Default Behavior in Chile: Theory and Evidence (with Bustos, A., and S. Chomsisengphet)
- New Loans, Existing Lines of Credit and Repayment (with Nakamura, E., E. Ravina, and J. Steinsson)
- Beyond Race and Gender: Financial Access of Low and Moderate Income Households (with Chomsisengphet, S. and C. Do)
- Why Do Banks Reward Their Customers to Use Their Credit Cards? (with Chakravorti, S. and A. Lunn)
- Wall Streeet Journal, December 28, 2010 , Time Magazine, December 29, 2010
- Discrimination in the Mortgage Market: Theory and Evidence (with Anwar, S., and M. Stephens)
- Financial Literacy and Financial Planning: Evidence from India (with Amromin, G., I. Ben-David, S. Chomsisengphet, and D. Evanoff)
- Wall Streeet Journal, July 1, 2010 ,
Knowledge@Wharton, March 24, 2011 , Hindustan Times, May 15, 2011
- Do Second Liens Holdup First Lien Holders’ Modifications? (with Amromin, G., I. Ben-David, S. Chomsisengphet, and J. Zhang)
- Why do Borrowers make Mortgage Refinancing Mistakes? (with Rosen, R)
- Why do Consumers use Debit Cards when they have Credit Cards (with Bubna, A., and M. Lipscomb)
- Inconsistent Regulators: Evidence from Banking (with Lucca, D., A. Seru and F. Trebbi)
- Wall Streeet Journal, Jaunary 23, 2012
- American Banker, February 1, 2012
- New York Times, April 2, 2012
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Does Mandatory Loan Review Affect Mortgage Contract Choice and Performance (with Amromin, G., I. Ben-David, S. Chomsisengphet, and D. Evanoff)
- Chicago Sun-Times, January 10, 2009 The New Republic, April 4, 2009
- Policy Intervention in Debt Renegotiation: Evidence from Home Affordability Modification Program (with Amromin, G., I. Ben-David, S. Chomsisengphet, T. Piskorski, and A. Seru )
- How much did CRA impact bank lending standards? (with Benmelech, E., N. Bergman, A. Seru)
- Rationality in the Consumer Credit Market: Choosing Between Alternative and Mainstream Credit (with Bos. M)
- Distance, Pawn Borrowing and the Choice of Pawnshops (with Bos. M)
- Cognitive Abilities and Pawn Lending (with Bos. M)
- Collateral Valuation and Institutional Pressures: Evidence from the Residential Real-Estate Market (with Ben-David, Z. and and V. Yao)
- Spending and Debt Response to State Sales Tax Holidays (with McGranahan, L)
- In Mood for a Loan:The Causal Effect of Sentiment on Mortgage Originations (with , Duchin, R., and D. Sosyuro)
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