Karen M. Pence

Board of Governors of the Federal Reserve System

20th Street and Constitution Avenue NW

Washington, DC 20551

United States

SCHOLARLY PAPERS

15

DOWNLOADS
Rank 33,285

SSRN RANKINGS

Top 33,285

in Total Papers Downloads

1,727

SSRN CITATIONS
Rank 3,490

SSRN RANKINGS

Top 3,490

in Total Papers Citations

161

CROSSREF CITATIONS

221

Scholarly Papers (15)

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 333 (109,286)
Citation 51

Abstract:

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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 247 (149,327)
Citation 16

Abstract:

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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
Columbia Business School - Finance and Economics, Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 215 (170,464)
Citation 27

Abstract:

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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 210 (174,306)
Citation 58

Abstract:

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

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
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 139 (248,751)
Citation 15

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 130 (261,937)
Citation 11

Abstract:

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

7.

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 118 (281,442)
Citation 3

Abstract:

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

8.

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 113 (290,144)
Citation 5

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 44 (493,711)

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

FEDS Working Paper No. 2020-018 https://doi.org/10.17016/FEDS.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 23 (613,884)
Citation 2

Abstract:

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

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 (722,823)
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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 73 (385,913)
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?

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

Abstract:

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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 39 (506,634)
Citation 6

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 21 (608,578)
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 13 (664,796)

Abstract:

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wealth

14.

The Distributional Financial Accounts

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

Abstract:

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15.

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, Federal Reserve Bank of New York, Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System

Abstract:

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