Daniel Ringo

Board of Governors of the Federal Reserve System

20th Street and Constitution Avenue NW

Washington, DC 20551

United States

SCHOLARLY PAPERS

23

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Top 28,684

in Total Papers Downloads

3,352

SSRN CITATIONS
Rank 11,767

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Top 11,767

in Total Papers Citations

103

CROSSREF CITATIONS

31

Scholarly Papers (23)

How Much Does Racial Bias Affect Mortgage Lending? Evidence from Human and Algorithmic Credit Decisions

Number of pages: 43 Posted: 19 Jul 2021 Last Revised: 28 Aug 2022
Neil Bhutta, Aurel Hizmo and Daniel Ringo
Federal Reserve Bank of Philadelphia, Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 684 (70,987)
Citation 10

Abstract:

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Discrimination, mortgage lending, automated underwriting, credit score, fair lending

How Much Does Racial Bias Affect Mortgage Lending? Evidence from Human and Algorithmic Credit Decisions

FEDS Working Paper No. 2022-67
Number of pages: 44 Posted: 14 Nov 2022
Neil Bhutta, Aurel Hizmo and Daniel Ringo
Federal Reserve Bank of Philadelphia, Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 540 (95,859)

Abstract:

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Discrimination, Fair lending, Automated underwriting, Credit score, Mortgage lending

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
Federal Reserve Bank of Philadelphia and Board of Governors of the Federal Reserve System
Downloads 323 (174,336)
Citation 21

Abstract:

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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. 2017-86
Number of pages: 55 Posted: 07 Sep 2017
Neil Bhutta and Daniel Ringo
Federal Reserve Bank of Philadelphia and Board of Governors of the Federal Reserve System
Downloads 296 (192,691)
Citation 1

Abstract:

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3.

Mortgage Lending, Default and the Community Reinvestment Act

Number of pages: 34 Posted: 27 Mar 2015 Last Revised: 11 Jan 2018
Daniel Ringo
Board of Governors of the Federal Reserve System
Downloads 230 (246,703)
Citation 7

Abstract:

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Community Reinvestment Act, CRA, Subprime Crisis, Mortgage

4.

Student Loans and Homeownership

FEDS Working Paper No. 2016-10
Number of pages: 57 Posted: 15 Feb 2016 Last Revised: 30 Jul 2017
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 225 (251,958)
Citation 11

Abstract:

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5.

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
Federal Reserve Bank of Philadelphia, Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 202 (278,461)
Citation 3

Abstract:

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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)

6.
Downloads 153 (355,086)
Citation 1

Monetary Policy and Home Buying Inequality

FEDS Working Paper No. 2023-6
Number of pages: 48 Posted: 05 Feb 2023
Daniel Ringo
Board of Governors of the Federal Reserve System
Downloads 92 (521,443)

Abstract:

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Home ownership, Inequality, Monetary policy, Interest rates, Credit constraints

Monetary Policy and Home Buying Inequality

Number of pages: 47 Posted: 06 Oct 2022 Last Revised: 11 Jan 2023
Daniel Ringo
Board of Governors of the Federal Reserve System
Downloads 61 (663,427)

Abstract:

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Home ownership, inequality, monetary policy, interest rates, credit constraints

7.

Student Loans, Access to Credit and Consumer Financial Behavior

FEDS Working Paper No. 2021-50
Number of pages: 61 Posted: 05 Aug 2021
Alvaro Mezza, Daniel Ringo and Kamila Sommer
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 132 (399,154)

Abstract:

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8.

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
Federal Reserve Bank of Philadelphia, Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 114 (445,816)
Citation 9

Abstract:

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

9.

Home Ownership As a Labor Market Friction

Number of pages: 35 Posted: 24 Mar 2018
Daniel Ringo
Board of Governors of the Federal Reserve System
Downloads 97 (499,610)
Citation 2

Abstract:

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home ownership, unemployment, job search, mobility

The Propagation of Demand Shocks Through Housing Markets

FEDS Working Paper No. 2019-084
https://doi.org/10.17016/FEDS.2019.084
Number of pages: 53 Posted: 13 May 2020
Elliot Anenberg and Daniel Ringo
Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 79 (574,141)
Citation 4

Abstract:

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Housing search; Housing stimulus; Multiplier effects; Joint buyer-seller

11.

Volatility in Home Sales and Prices: Supply or Demand?

FEDS Working Paper No. 2022-41
Number of pages: 59 Posted: 11 Jul 2022
Elliot Anenberg and Daniel Ringo
Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 70 (606,876)
Citation 2

Abstract:

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Housing search, Home prices, Home sales

12.

Student Loans, Access to Credit and Consumer Credit Demand

Number of pages: 61 Posted: 24 Aug 2022
Alvaro Mezza, Daniel Ringo and Kamila Sommer
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 58 (667,648)

Abstract:

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Student loan debt, college tuition, consumer credit, demand for credit, supply of credit, credit constraints.

13.

Inframarginal Borrowers and the Mortgage Payment Channel of Monetary Policy

Number of pages: 43 Posted: 19 Mar 2024 Last Revised: 03 May 2024
Daniel Ringo
Board of Governors of the Federal Reserve System
Downloads 55 (695,991)

Abstract:

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Monetary policy, interest rates, refinance channel

"Revitalize or Stabilize": Does Community Development Financing Work?

FEDS Working Paper No. 2020-29
Number of pages: 40 Posted: 18 May 2020
Daniel Ringo
Board of Governors of the Federal Reserve System
Downloads 33 (859,798)

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"Revitalize or Stabilize": Does Community Development Financing Work?

Number of pages: 47 Posted: 05 Aug 2022
Daniel Ringo
Board of Governors of the Federal Reserve System
Downloads 14 (1,052,085)

Abstract:

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Community development, Community Reinvestment Act, Place based policies, bank lending, credit supply

15.

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
Federal Reserve Bank of Philadelphia and Board of Governors of the Federal Reserve System
Downloads 47 (733,494)
Citation 1

Abstract:

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

16.

Declining Affordability and Home Purchase Borrowing by Lower Income Households

FEDS Notes No. 2022-07-08
Posted: 21 Jul 2022
Daniel Ringo
Board of Governors of the Federal Reserve System

Abstract:

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17.

Housing Market Tightness During Covid-19: Increased Demand or Reduced Supply?

FEDS Notes No. 2021-07-08-1
Posted: 13 Jul 2021
Elliot Anenberg and Daniel Ringo
Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System

Abstract:

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18.

Are Rising Home Values Restraining Homebuying for Lower-Income Families?

FEDS Notes No. 2017-09-28-2 https://doi.org/10.17016/2380-7172.2078
Posted: 16 Oct 2017
Neil Bhutta, Steven Laufer and Daniel Ringo
Federal Reserve Bank of Philadelphia, Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System

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19.

The Decline in Lending to Lower-Income Borrowers by the Biggest Banks

FEDS Notes No. 2017-09-28-1 https://doi.org/10.17016/2380-7172.2077
Posted: 16 Oct 2017
Neil Bhutta, Steven Laufer and Daniel Ringo
Federal Reserve Bank of Philadelphia, Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System

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20.

Changing FHA Mortgage Insurance Premiums and the Effects on Lending

FEDS Notes No. 2016-09-29-2 http://dx.doi.org/10.17016/2380-7172.1843
Posted: 22 Oct 2016
Daniel Ringo and Neil Bhutta
Board of Governors of the Federal Reserve System and Federal Reserve Bank of Philadelphia

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21.

Credit Availability and the Decline in Mortgage Lending to Minorities after the Housing Boom

FEDS Notes No. 2016-09-29-1 http://dx.doi.org/10.17016/2380-7172.1842
Posted: 22 Oct 2016
Daniel Ringo and Neil Bhutta
Board of Governors of the Federal Reserve System and Federal Reserve Bank of Philadelphia

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22.

Effects of the Ability to Repay and Qualified Mortgage Rules on the Mortgage Market

FEDS Notes No. 2015-12-29 https://doi.org/10.17016/2380-7172.1680
Posted: 31 Oct 2015
Neil Bhutta and Daniel Ringo
Federal Reserve Bank of Philadelphia and Board of Governors of the Federal Reserve System

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23.

Assessing the Community Reinvestment Act's Role in the Financial Crisis

FEDS Notes No. 2015-05-26-1 https://doi.org/10.17016/2380-7172.1530
Posted: 22 Oct 2015
Neil Bhutta and Daniel Ringo
Federal Reserve Bank of Philadelphia and Board of Governors of the Federal Reserve System

Abstract:

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