Karen M. Pence

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

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    • Tel: 202-452-2342
    • Fax: 202-728-5887
SCHOLARLY PAPERS

22

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Top 36,345

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2,972

TOTAL CITATIONS
Rank 3,835

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Top 3,835

in Total Papers Citations

279

Scholarly Papers (22)

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1.

Foreclosing on Opportunity: State Laws and Mortgage Credit

Number of pages: 50 Posted: 20 Jun 2003
Karen M. Pence
Board of Governors of the Federal Reserve System
Downloads 390 (162,074)
Citation 51

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Foreclosure, mortgages

2.

401(K)S and Household Saving: New Evidence from the Survey of Consumer Finances

Number of pages: 41 Posted: 16 Oct 2001
Karen M. Pence
Board of Governors of the Federal Reserve System
Downloads 299 (216,425)
Citation 21

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401(k) program, saving, wealth data, survey of consumer finances

3.

The Rise in Mortgage Defaults

Journal of Economic Perspectives, Vol. 23, No. 1, pp. 27-50, 2009
Number of pages: 24 Posted: 27 Oct 2011
Christopher J. Mayer, Karen M. Pence and Shane M. Sherlund
Columbia University - Columbia Business School, Finance, Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 273 (237,918)
Citation 27

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4.

Do Homeowners Know Their House Values and Mortgage Terms?

FEDS Working Paper No. 2006-03
Number of pages: 39 Posted: 02 May 2006
Karen M. Pence and Brian Bucks
Board of Governors of the Federal Reserve System and Consumer Financial Protection Bureau
Downloads 240 (270,716)
Citation 58

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Mortgages, house prices, Survey of Consumer Finances, financial literacy

5.

Auto Sales and Credit Supply

FEDS Working Paper No. 2014-82
Number of pages: 42 Posted: 08 Nov 2014
Kathleen Johnson, Karen M. Pence and Daniel J. Vine
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 207 (312,120)
Citation 5

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Auto loans, auto sales, credit constraints, Michigan Survey of Consumers

6.

Securitization Markets and Central Banking: An Evaluation of the Term Asset-Backed Securities Loan Facility

FEDS Working Paper No. 2011-16
Number of pages: 42 Posted: 17 Apr 2011
Sean D. Campbell, Daniel M. Covitz, William R. Nelson and Karen M. Pence
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 190 (339,591)
Citation 24

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securitization, financial crisis, monetary policy, discount window, lender of last resort

7.

Nonbank Issuers and Mortgage Credit Supply

Number of pages: 78 Posted: 30 Oct 2023 Last Revised: 23 Aug 2024
David Benson, You Suk Kim and Karen M. Pence
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 182 (351,480)

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Nonbank Financial Intermediation, Mortgages, Loan Securitization, Industrial Organization, FHA, MBS Issuers, Credit Supply

8.

Liquidity Crises in the Mortgage Market

FEDS Working Paper No. 2018-16
Number of pages: 74 Posted: 12 Mar 2018 Last Revised: 29 Apr 2020
You Kim, Steven Laufer, Karen M. Pence, Richard Stanton and Nancy Wallace
Temple University - Department of Human Resource Management, Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System, University of California, Berkeley - Haas School of Business and University of California, Berkeley - Haas School of Business
Downloads 171 (371,316)
Citation 48

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9.

How Much are Car Purchases Driven by Home Equity Withdrawal?

FEDS Working Paper No. 2015-106
Number of pages: 41 Posted: 02 Dec 2015 Last Revised: 29 Apr 2020
Brett McCully, Karen M. Pence and Daniel J. Vine
University of California, Los Angeles (UCLA) - Department of Economics, Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 150 (415,221)
Citation 11

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Auto loans, Auto sales, cash-out refinancing, Home equity, Home equity lines of credit, Mortgage refinancing, Motor vehicles

10.

Technological Innovation and Discrimination in Household Finance

FEDS Working Paper No. 2020-18
Number of pages: 29 Posted: 14 Jul 2021 Last Revised: 22 Jul 2021
Adair Morse and Karen M. Pence
University of California, Berkeley - Haas School of Business and Board of Governors of the Federal Reserve System
Downloads 148
Citation 3

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Discrimination, Fair lending, Statistical discrimination, FinTech, Taste-based preferences, Algorithmic decision-making, proxy variables, Big data

11.

Subprime Mortgages: What, Where, and to Whom?

NBER Working Paper No. w14083
Number of pages: 43 Posted: 22 Jun 2008 Last Revised: 26 Jun 2022
Christopher J. Mayer and Karen M. Pence
Columbia University - Columbia Business School, Finance and Board of Governors of the Federal Reserve System
Downloads 147 (421,982)
Citation 11

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12.

Technological Innovation and Discrimination in Household Finance

Downloads 139 (441,357)
Citation 2

Technological Innovation and Discrimination in Household Finance

Number of pages: 28 Posted: 08 Mar 2020
Adair Morse and Karen M. Pence
University of California, Berkeley - Haas School of Business and Board of Governors of the Federal Reserve System
Downloads 101 (568,502)

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discrimination, fair lending, statistical discrimination, FinTech, taste-based preferences, algorithmic decision-making, proxy variables

Technological Innovation and Discrimination in Household Finance

NBER Working Paper No. w26739
Number of pages: 29 Posted: 11 Feb 2020 Last Revised: 24 Jul 2023
Adair Morse and Karen M. Pence
University of California, Berkeley - Haas School of Business and Board of Governors of the Federal Reserve System
Downloads 38 (956,958)
Citation 2

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13.

Crisis Liquidity Facilities with Nonbank Counterparties: Lessons from the Term Asset-Backed Securities Loan Facility

Downloads 119 (502,060)

Crisis Liquidity Facilities with Nonbank Counterparties: Lessons from the Term Asset-Backed Securities Loan Facility

FRB of Chicago Working Paper No. 2022-11
Number of pages: 65 Posted: 26 Apr 2022
Ralf Meisenzahl and Karen M. Pence
Federal Reserve Bank of Chicago and Board of Governors of the Federal Reserve System
Downloads 84 (641,113)

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Nonbank Financial Institutions, Securitization, Lender of Last Resort, Term Asset-Backed Securities Loan Facility, TALF

Crisis Liquidity Facilities with Nonbank Counterparties: Lessons from the Term Asset-Backed Securities Loan Facility

FEDS Working Paper No. 2022-21
Number of pages: 44 Posted: 27 Apr 2022
Ralf Meisenzahl and Karen M. Pence
Federal Reserve Bank of Chicago and Board of Governors of the Federal Reserve System
Downloads 35 (998,699)

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Non-Bank Financial Institutions, Securitization, Lender of Last Resort, Term Asset-Backed Securities Loan Facility, TALF

14.

Nature or Nurture: Why Do 401(K) Participants Save Differently than Other Workers?

Downloads 105 (547,788)
Citation 5

Nature or Nurture: Why Do 401(K) Participants Save Differently than Other Workers?

Number of pages: 27 Posted: 21 Sep 2002
Karen M. Pence
Board of Governors of the Federal Reserve System
Downloads 105 (552,235)
Citation 5

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401(k), social security, financial education, saving

Nature or Nurture: Why Do 401(K) Participants Save Differently than Other Workers?

Posted: 08 Apr 2003
Karen M. Pence
Board of Governors of the Federal Reserve System

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15.

Are Successive Generations Getting Wealthier, and If so, Why?

Brookings Papers on Economic Activity, No. 1, 2006
Number of pages: 65 Posted: 05 Feb 2011
William G. Gale and Karen M. Pence
Brookings Institution and Board of Governors of the Federal Reserve System
Downloads 102 (559,554)
Citation 1

Abstract:

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wealth

16.

Wealth, Pensions, Debt, and Savings: Considerations for a Panel Survey

FEDS Working Paper No. 2015-019, http://dx.doi.org/10.17016/FEDS.2015.019
Number of pages: 35 Posted: 26 Apr 2015
Brian Bucks and Karen M. Pence
Consumer Financial Protection Bureau and Board of Governors of the Federal Reserve System
Downloads 60 (759,913)
Citation 2

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measurement error, survey methods, wealth

17.

Liquidity in the Mortgage Market: How Does the COVID-19 Crisis Compare with the Global Financial Crisis?

FEDS Working Paper No. 2022-39
Number of pages: 31 Posted: 13 Jul 2022
Karen M. Pence
Board of Governors of the Federal Reserve System
Downloads 50 (829,825)
Citation 10

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COVID-19, REIT, Term Asset-Backed Securities Loan Facility (TALF), Mortgage market, Mortgage servicers, Mortgage-backed securities (MBS)

18.

Nonbanks and Mortgage Securitization

Annual Review of Financial Economics, Vol. 14, pp. 137-166, 2022
Posted: 10 Nov 2022
You Suk Kim, Karen M. Pence, Richard Stanton, Johan Walden and Nancy Wallace
Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System, University of California, Berkeley, University of California, Berkeley - Finance Group and University of California, Berkeley - Haas School of Business

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19.

Improving the Measurement of Racial and Ethnic Disparities in the Survey of Consumer Finances

FEDS Notes No. 2021-06-21-2
Posted: 09 Jul 2021
Kevin B. Moore and Karen M. Pence
Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System

Abstract:

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20.

The Rise in Mortgage Defaults

FEDS Working Paper No. 2008-59
Posted: 06 Jul 2021 Last Revised: 03 Jul 2021
Christopher J. Mayer, Karen M. Pence and Shane M. Sherlund
affiliation not provided to SSRN, Board of Governors of the Federal Reserve System and affiliation not provided to SSRN

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21.

The Distributional Financial Accounts

FEDS Notes No. 2019-08-30
Posted: 22 Oct 2019
Michael Batty, Joseph Briggs, Karen M. Pence, Paul A. Smith and Alice Henriques Volz
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

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22.

How Much Student Debt is Out There?

FEDS Notes No. 2015-08-07 https://doi.org/10.17016/2380-7172.1576
Posted: 24 Oct 2015
Jesse Bricker, Meta Brown, Simona Hannon and Karen M. Pence
Board of Governors of the Federal Reserve System, Ohio State University (OSU), Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System

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