Karen M. Pence

Board of Governors of the Federal Reserve System

Washington, DC 20551

United States

Federal Reserve Board

20th and C Streets, NW

Washington, DC 20551

United States

http://https://www.federalreserve.gov/econres/karen-m-pence.htm

SCHOLARLY PAPERS

14

DOWNLOADS
Rank 30,376

SSRN RANKINGS

Top 30,376

in Total Papers Downloads

1,638

SSRN CITATIONS
Rank 3,521

SSRN RANKINGS

Top 3,521

in Total Papers Citations

112

CROSSREF CITATIONS

220

Scholarly Papers (14)

1.

Foreclosing on Opportunity: State Laws and Mortgage Credit

FEDS Working Paper No. 2003-16
Number of pages: 50 Posted: 20 Jun 2003
Karen M. Pence
Board of Governors of the Federal Reserve System
Downloads 329 (98,046)
Citation 44

Abstract:

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Foreclosure, mortgages

2.

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

FEDS Working Paper No. 2002-06
Number of pages: 41 Posted: 16 Oct 2001
Karen M. Pence
Board of Governors of the Federal Reserve System
Downloads 244 (134,706)
Citation 14

Abstract:

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

3.

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 207 (157,775)
Citation 50

Abstract:

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

4.

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
Columbia Business School - Finance and Economics, Board of Governors of the Federal Reserve System and Federal Reserve Board of Governors
Downloads 203 (160,657)
Citation 14

Abstract:

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5.

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
U.S. Division of Monetary Affairs, Federal Reserve Board - Division of Research & Statistics, Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 131 (233,474)
Citation 11

Abstract:

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

6.

Liquidity Crises in the Mortgage Market

FEDS Working Paper No. 2018-016
Number of pages: 74 Posted: 12 Mar 2018 Last Revised: 29 Apr 2020
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 122 (246,369)
Citation 4

Abstract:

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FHA, Ginnie Mae, Mortgages and credit, Financial crisis, Mortgage servicing, Nonbank institutions

7.

Subprime Mortgages: What, Where, and to Whom?

NBER Working Paper No. w14083
Number of pages: 43 Posted: 22 Jun 2008 Last Revised: 26 Jun 2010
Christopher J. Mayer and Karen M. Pence
Columbia Business School - Finance and Economics and Board of Governors of the Federal Reserve System
Downloads 109 (267,237)
Citation 4

Abstract:

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8.

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 - Division of Research and Statistics, Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 104 (276,106)
Citation 3

Abstract:

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

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

FEDS Working Paper No. 2002-32
Number of pages: 27 Posted: 21 Sep 2002
Karen M. Pence
Board of Governors of the Federal Reserve System
Downloads 72 (350,208)
Citation 5

Abstract:

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

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

National Tax Journal, Vol. 55, No. 3, 2002
Posted: 08 Apr 2003
Karen M. Pence
Board of Governors of the Federal Reserve System

Abstract:

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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 30 (511,906)

Abstract:

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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
Adair Morse and Karen M. Pence
University of California, Berkeley - Haas School of Business and Board of Governors of the Federal Reserve System
Downloads 9 (655,297)
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Technological Innovation and Discrimination in Household Finance

FEDS Working Paper No. 2020-018
Number of pages: 29 Posted: 18 May 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 9 (655,297)

Abstract:

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

11.

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 38 (461,444)
Citation 3

Abstract:

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

12.

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 19 (563,225)
Citation 2

Abstract:

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measurement error, survey methods, wealth

13.

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 12 (608,594)

Abstract:

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wealth

14.

The Distributional Financial Accounts

FED Notes No. 2019-08-30
Posted: 22 Oct 2019
Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System, Federal Reserve Board of Governors and Board of Governors of the Federal Reserve System

Abstract:

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