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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

14

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2,034

CITATIONS
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Top 12,658

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31

Scholarly Papers (14)

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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 429 (35,108)
Citation 2

Abstract:

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, U.S. Department of the Treasury and Board of Governors of the Federal Reserve System
Downloads 389 (62,147)
Citation 15

Abstract:

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

3.

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

Downloads 183 (138,554)
Citation 1

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 97 (230,901)
Citation 1

Abstract:

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 86 (250,124)
Citation 1

Abstract:

Deleveraging, mortgages, mortgage default, household debt

4.

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 175 (53,624)
Citation 2

Abstract:

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

5.

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 N. Gibbs
Board of Governors of the Federal Reserve System - Financial Studies Section, Board of Governors of the Federal Reserve System, Consumer Financial Protection Bureau, Board of Governors of the Federal Reserve System - Division of Research and Statistics and Board of Governors of the Federal Reserve System - Division of Research and Statistics
Downloads 123 (184,024)
Citation 3

Abstract:

6.

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 87 (180,707)

Abstract:

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

7.

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, Consumer Financial Protection Bureau and Board of Governors of the Federal Reserve System - Division of Research and Statistics
Downloads 60 (271,565)
Citation 2

Abstract:

mortgages, HMDA

8.

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 35 (337,407)

Abstract:

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

9.

Payday Loans and Consumer Financial Health

Downloads 2 (541,696)

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 2 (568,721)

Abstract:

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:

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

10.

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 R Ringo
Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 0 (501,497)

Abstract:

Interest rates, Mortgages and credit, Residential real estate

11.

The 2014 Home Mortgage Disclosure Data

Federal Reserve Bulletin, Vol 101, No. 4
Number of pages: 43 Posted: 31 May 2017
Neil Bhutta, Jack Popper and Daniel R 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 0 (541,696)

Abstract:

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

12.

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 0 (506,424)
Citation 5

Abstract:

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

13.

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:

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

14.

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

Abstract:

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

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