Daniel Ringo

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

DOWNLOADS
Rank 42,061

SSRN RANKINGS

Top 42,061

in Total Papers Downloads

1,608

SSRN CITATIONS
Rank 18,909

SSRN RANKINGS

Top 18,909

in Total Papers Citations

30

CROSSREF CITATIONS

25

Scholarly Papers (20)

Actions:
Email selected abstracts
1.

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

Number of pages: 27 Posted: 19 Jul 2021
Neil Bhutta, Aurel Hizmo 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 437 (94,112)
Citation 1

Abstract:

Loading...

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

2.

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

Downloads 395 (105,792)
Citation 7

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 211 (201,321)
Citation 6

Abstract:

Loading...

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
Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 184 (227,874)

Abstract:

Loading...

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 178 (234,438)
Citation 8

Abstract:

Loading...

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
Alvaro Mezza, Daniel Ringo, Shane Sherlund and Kamila Sommer
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 174 (239,023)
Citation 11

Abstract:

Loading...

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
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 115 (330,098)
Citation 3

Abstract:

Loading...

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.

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 72 (440,812)
Citation 1

Abstract:

Loading...

home ownership, unemployment, job search, mobility

7.

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 65 (464,919)
Citation 2

Abstract:

Loading...

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

8.

The Propagation of Demand Shocks Through Housing Markets

Downloads 53 (499,418)

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 53 (520,504)

Abstract:

Loading...

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

9.

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 50 (525,024)

Abstract:

Loading...

10.

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 27 (650,258)
Citation 1

Abstract:

Loading...

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

11.

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

Downloads 26 (657,288)

"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 26 (676,161)

Abstract:

Loading...

"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 0

Abstract:

Loading...

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

12.

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 16 (735,394)

Abstract:

Loading...

Housing search, Home prices, Home sales

13.

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:

Loading...

14.

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:

Loading...

15.

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
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

Abstract:

Loading...

16.

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
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

Abstract:

Loading...

17.

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 Board of Governors of the Federal Reserve System

Abstract:

Loading...

18.

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 Board of Governors of the Federal Reserve System

Abstract:

Loading...

19.

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
Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System

Abstract:

Loading...

20.

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
Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System

Abstract:

Loading...