Neil Bhutta

Board of Governors of the Federal Reserve System

20th Street and Constitution Avenue NW

Washington, DC 20551

United States

  • Board of Governors of the Federal Reserve System

SCHOLARLY PAPERS

20

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Scholarly Papers (20)

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1.

Payday Loan Choices and Consequences

Vanderbilt Law and Economics Research Paper No. 12-30
Number of pages: 54 Posted: 13 Oct 2012 Last Revised: 09 May 2014
Neil Bhutta, Paige Marta Skiba and Jeremy Tobacman
Board of Governors of the Federal Reserve System, Vanderbilt University - Law School and Alfred Lerner College of Business and Economics, University of Delaware
Downloads 756 (31,578)

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Payday loans, consumer finance, subprime lending, credit scores, debt

2.

Consumer Ruthlessness and Mortgage Default During the 2007 to 2009 Housing Bust

Journal of Finance, Forthcoming
Number of pages: 64 Posted: 19 Jun 2010 Last Revised: 10 Jun 2017
Neil Bhutta, Jane Dokko and Hui Shan
Board of Governors of the Federal Reserve System, Federal Reserve Bank of Chicago and Board of Governors of the Federal Reserve System
Downloads 474 (58,181)

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Housing, mortgage default, negative equity, ruthless default, strategic default, underwater

3.

Interest Rates and Equity Extraction During the Housing Boom

Kreisman Working Papers Series in Housing Law and Policy No. 3
Number of pages: 55 Posted: 10 Jan 2014 Last Revised: 12 Apr 2017
Neil Bhutta and Benjamin J. Keys
Board of Governors of the Federal Reserve System and The Wharton School - University of Pennsylvania, Real Estate Department
Downloads 463 (59,871)

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equity extraction, interest rates, monetary policy, credit constraints, mortgages, credit records, household finance

4.

Mortgage Debt and Household Deleveraging: Accounting for the Decline in Mortgage Debt Using Consumer Credit Record Data

Downloads 200 (149,193)

Mortgage Debt and Household Deleveraging: Accounting for the Decline in Mortgage Debt Using Consumer Credit Record Data

Number of pages: 22 Posted: 22 Mar 2012
Neil Bhutta
Board of Governors of the Federal Reserve System
Downloads 101 (260,689)

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mortgage, household debt, deleveraging, mortgage default

Mortgage Debt and Household Deleveraging: Accounting for the Decline in Mortgage Debt Using Consumer Credit Record Data

FEDS Working Paper No. 2012-14
Number of pages: 23 Posted: 04 May 2012
Neil Bhutta
Board of Governors of the Federal Reserve System
Downloads 99 (264,274)

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Deleveraging, mortgages, mortgage default, household debt

5.

Mortgage Market Conditions and Borrower Outcomes: Evidence from the 2012 HMDA Data and Matched HMDA - Credit Record Data

Federal Reserve Bulletin, 2013, Vol. 99 No. 4
Number of pages: 58 Posted: 22 Sep 2013 Last Revised: 11 Aug 2017
Neil Bhutta and Glenn B. Canner
Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System - Division of Research and Statistics
Downloads 174 (169,364)

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Mortgage lending, discrimination, subprime, Community Reinvestment Act (CRA), Home Mortgage Disclosure Act (HMDA), Qualified Mortgage

6.

Do Minorities Pay More for Mortgages?

Number of pages: 44 Posted: 19 Apr 2019
Neil Bhutta and Aurel Hizmo
Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 161 (181,049)

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Discrimination, Fair Lending, Mortgage, Points, Interest Rate, FHA, Consumer Protection, High-Cost Mortgage

7.

The 2008 HMDA Data: The Mortgage Market During a Turbulent Year

Federal Reserve Bulletin
Number of pages: 43 Posted: 04 Oct 2009 Last Revised: 23 Oct 2010
Robert B. Avery, Neil Bhutta, Kenneth P. Brevoort, Glenn B. Canner and Christa Gibbs
Board of Governors of the Federal Reserve System - Financial Studies Section, Board of Governors of the Federal Reserve System, Independent, Board of Governors of the Federal Reserve System - Division of Research and Statistics and Bureau of Consumer Financial Protection
Downloads 136 (208,018)

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8.

The Effect of Interest Rates on Home Buying: Evidence from a Shock to Mortgage Insurance Premiums

Downloads 130 (215,717)

The Effect of Interest Rates on Home Buying: Evidence from a Shock to Mortgage Insurance Premiums

Number of pages: 58 Posted: 12 Dec 2017 Last Revised: 26 Jan 2019
Neil Bhutta and Daniel Ringo
Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 80 (302,738)

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Interest rates, home buying, FHA, mortgages, mortgage insurance, credit rationing, debti to income, payment to income, regression discontinuity, monetary policy, stimulus

The Effect of Interest Rates on Home Buying: Evidence from a Discontinuity in Mortgage Insurance Premiums

FEDS Working Paper No. 2017-086
Number of pages: 55 Posted: 07 Sep 2017
Neil Bhutta and Daniel Ringo
Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 50 (388,033)

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Interest rates, Mortgages and credit, Residential real estate

9.

The 2009 HMDA Data: The Mortgage Market During a Time of Low Interest Rates and Economic Distress

Federal Reserve Bulletin, December 2010
Number of pages: 39 Posted: 27 Sep 2010 Last Revised: 03 Jan 2011
Robert B. Avery, Neil Bhutta, Kenneth P. Brevoort and Glenn B. Canner
Board of Governors of the Federal Reserve System - Financial Studies Section, Board of Governors of the Federal Reserve System, Independent and Board of Governors of the Federal Reserve System - Division of Research and Statistics
Downloads 89 (281,027)

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mortgages, HMDA

10.

Payday Loans and Consumer Financial Health

Downloads 71 (321,229)

Payday Loans and Consumer Financial Health

FEDS Working Paper No. 2013-81
Number of pages: 38 Posted: 31 May 2017
Neil Bhutta
Board of Governors of the Federal Reserve System
Downloads 71 (324,844)

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Payday Loans and Consumer Financial Health

Journal of Banking and Finance, Vol. 47, No. 1, 2014
Posted: 13 Oct 2011 Last Revised: 04 Sep 2014
Neil Bhutta
Board of Governors of the Federal Reserve System

Abstract:

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Payday loan, credit scores, credit records, fair lending, usury

11.

The Ins and Outs of Mortgage Debt During the Housing Boom and Bust

FEDS Working Paper No. 2014-91
Number of pages: 51 Posted: 22 Nov 2014
Neil Bhutta
Board of Governors of the Federal Reserve System
Downloads 62 (344,919)

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Mortgage debt, mortgage default, first-time homebuyer, credit supply

12.

The 2014 Home Mortgage Disclosure Act Data

Federal Reserve Bulletin, Vol 101, No. 4, November 2015
Number of pages: 43 Posted: 31 May 2017 Last Revised: 22 Oct 2017
Neil Bhutta, Jack Popper and Daniel Ringo
Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 47 (391,797)

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HMDA, mortgage, discrimination, Qualified Mortgage (QM), Ability to Repay Rule (ATR), large bank, nonbank, credit union, higher-priced mortgage, FHA, Community Reinvestment Act (CRA)

13.

Stress Testing Household Debt

FEDS Working Paper No. 2019-008
Number of pages: 47 Posted: 19 Feb 2019 Last Revised: 21 Feb 2019
Neil Bhutta, Jesse Bricker, Lisa J. Dettling, Jimmy Kelliher and Steven Laufer
Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 34 (441,289)

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Delinquency, Household debt, Loan default, Stress testing

14.

Residential Mortgage Lending in 2016: Evidence from the Home Mortgage Disclosure Act Data

Federal Reserve Bulletin, Vol. 103, No. 6
Number of pages: 27 Posted: 08 Mar 2018
Neil Bhutta, Steven Laufer and Daniel Ringo
Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 34 (441,289)

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HMDA, mortgage, refinance, home purchase, HMDA coverage, minority lending, nonbank lenders

15.

GSE Activity and Mortgage Supply in Lower-Income and Minority Neighborhoods: The Effect of the Affordable Housing Goals

FEDS working Paper No. 2009-03
Number of pages: 39 Posted: 23 Jan 2017
Neil Bhutta
Board of Governors of the Federal Reserve System
Downloads 19 (518,188)

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GSE, regression discontinuity, FHA, affordable housing goals, homeownership, subprime mortgage, underserved areas

16.

Eyes Wide Shut? The Moral Hazard of Mortgage Insurers During the Housing Boom

NBER Working Paper No. w24844
Number of pages: 69 Posted: 01 Aug 2018
Neil Bhutta and Benjamin J. Keys
Board of Governors of the Federal Reserve System and The Wharton School - University of Pennsylvania, Real Estate Department
Downloads 12 (558,995)
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17.

The 2013 Home Mortgage Disclosure Act Data

Federal Reserve Bulletin, November, 2014 (vol 100)
Number of pages: 37 Posted: 04 Dec 2018
Neil Bhutta and Daniel Ringo
Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 8 (583,336)

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HMDA, mortgage, discrimination, higher-priced mortgage, FHA, Community Reinvestment Act (CRA), low and moderate income (LMI)

18.

Assessing Families' Liquid Savings Using the Survey of Consumer Finances

FED Notes No. 2018-11-19
Posted: 27 Nov 2018 Last Revised: 21 Feb 2019
Neil Bhutta and Lisa J. Dettling
Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System

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19.

GSE Activity and Mortgage Supply in Lower-Income and Minority Neighborhoods: The Effect of the Affordable Housing Goals

Journal of Real Estate Finance and Economics, Vol. 45, No. 1, 2012
Posted: 09 Jul 2012 Last Revised: 14 Jul 2012
Neil Bhutta
Board of Governors of the Federal Reserve System

Abstract:

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GSE, Affordable housing goals, Low and moderate income, Mortgage

20.

The Community Reinvestment Act and Mortgage Lending to Lower Income Borrowers and Neighborhoods

Journal of Law and Economics, Forthcoming
Posted: 21 Oct 2010 Last Revised: 10 Oct 2011
Neil Bhutta
Board of Governors of the Federal Reserve System

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Community Reinvestment Act, regression discontinuity, low and moderate income, mortgage, information externality, homeownership