Gene Amromin

Federal Reserve Bank of Chicago

230 South LaSalle Street

230 S. LaSalle

Chicago, IL 60604

United States

SCHOLARLY PAPERS

31

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CITATIONS
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223

Scholarly Papers (31)

The Tradeoff Between Mortgage Prepayments and Tax-Deferred Retirement Savings

Number of pages: 43 Posted: 18 Mar 2006
Jennifer C. Huang, Gene Amromin and Clemens Sialm
University of Texas at Austin - Department of Finance, Federal Reserve Bank of Chicago and University of Texas at Austin - McCombs School of Business
Downloads 4,753 (1,577)

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Retirement Savings, Mortgage Financing, Tax Arbitrage, Savings Decisions

The Tradeoff between Mortgage Prepayments and Tax-Deferred Retirement Savings

NBER Working Paper No. w12502
Number of pages: 52 Posted: 14 Sep 2006 Last Revised: 03 Sep 2010
Jennifer C. Huang, Gene Amromin and Clemens Sialm
University of Texas at Austin - Department of Finance, Federal Reserve Bank of Chicago and University of Texas at Austin - McCombs School of Business
Downloads 68 (334,005)
Citation 31

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Policy Intervention in Debt Renegotiation: Evidence from the Home Affordable Modification Program

Journal of Political Economy, Forthcoming, Fisher College of Business Working Paper No. 2012-03-020, Charles A. Dice Center Working Paper No. 2012-20
Number of pages: 63 Posted: 29 Aug 2012 Last Revised: 21 Jul 2016
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Office of the Comptroller of the Currency (OCC), Columbia Business School - Finance and Economics and Stanford University
Downloads 1,978 (7,077)
Citation 22

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Government intervention, Debt renegotiation, Mortgage modification, Foreclosures, Housing crisis, HAMP, Servicers

Policy Intervention in Debt Renegotiation: Evidence from the Home Affordable Modification Program

FRB of Chicago Working Paper No. 2013-27, Kreisman Working Papers Series in Housing Law and Policy No. 7
Number of pages: 69 Posted: 28 Jan 2014
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Office of the Comptroller of the Currency (OCC), Columbia Business School - Finance and Economics and Stanford University
Downloads 110 (246,253)

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Government intervention, Debt renegotiation, Mortgage modification, Foreclosures, Housing crisis, HAMP, Servicers

Policy Intervention in Debt Renegotiation: Evidence from the Home Affordable Modification Program

NBER Working Paper No. w18311
Number of pages: 63 Posted: 30 Aug 2012 Last Revised: 05 Sep 2012
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Office of the Comptroller of the Currency (OCC), Columbia Business School - Finance and Economics and Stanford University
Downloads 16 (557,820)
Citation 43

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3.

Financial Literacy and Financial Planning: Evidence from India

Number of pages: 45 Posted: 20 Dec 2010
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 1,496 (11,456)
Citation 2

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Financial Literacy, Financial Education, Checking Account, Savings, Nudge, Saving Account, Insurance, Personal Finance, Gender, Age, Education, Household Finance, Consumer Behavior, Consumption, India, Financial Counseling, Numeracy, Inflation, Risk, Diversification, Risk Tolerance, Investment Prefe

4.

Financial Counseling, Financial Literacy, and Household Decision Making

Pension Research Council WP 2010-34
Number of pages: 44 Posted: 24 Jun 2010 Last Revised: 17 Nov 2010
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 909 (24,503)
Citation 4

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Financial literacy, Household finance, Financial Literacy, Consumer Behavior

5.

Debit Card and Cash Usage: A Cross-Country Analysis

FRB of Chicago Working Paper No. 2007-04
Number of pages: 53 Posted: 20 Apr 2007
Gene Amromin and Sujit Chakravorti
Federal Reserve Bank of Chicago and Independent
Downloads 812 (28,731)
Citation 8

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payment networks, money demand, technological infrastructure

6.
Downloads 694 ( 35,610)
Citation 12

Complex Mortgages

AFA 2012 Chicago Meetings Paper
Number of pages: 48 Posted: 25 Nov 2010 Last Revised: 16 Feb 2018
Federal Reserve Bank of Chicago, University of Texas at Austin - Department of Finance, University of Texas at Austin - McCombs School of Business and University of Wisconsin-Madison
Downloads 562 (46,512)
Citation 9

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Mortgage Contract Choice, Mortgage Default, Financial Crisis

Complex Mortgages

FRB of Chicago Working Paper No. 2010-17
Number of pages: 47 Posted: 03 Dec 2010 Last Revised: 20 Dec 2013
Federal Reserve Bank of Chicago, University of Texas at Austin - Department of Finance, University of Texas at Austin - McCombs School of Business and University of Wisconsin-Madison
Downloads 116 (237,051)
Citation 4

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Mortgage Choice, Housing Crisis, Financial Innovation

Complex Mortgages

NBER Working Paper No. w17315
Number of pages: 54 Posted: 29 Aug 2011
Federal Reserve Bank of Chicago, University of Texas at Austin - Department of Finance, University of Texas at Austin - McCombs School of Business and University of Wisconsin-Madison
Downloads 16 (557,820)

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7.

The Role of Securitization in Mortgage Renegotiation

Fisher College of Business Working Paper No. 2011-03-002, Charles A. Dice Center Working Paper No. 2011-2, FRB of Chicago Working Paper No. 2011-02
Number of pages: 48 Posted: 17 Jan 2011 Last Revised: 14 Mar 2011
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 690 (35,910)
Citation 51

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Financial Crisis, Loss Mitigation, Mortgage Crisis, Securitization, Lenders, Servicers, Liquidation, Modification, Repayment, Refinance, Default, Delinquency, Borrower, Interest Rates, Household Finance, Credit, Housing, FICO Score, Leverage, LTV, Loan Modiccation, Mortgage, GSE, HAMP, Loan Term

8.
Downloads 687 ( 36,112)
Citation 11

Predatory Lending and the Subprime Crisis

Journal of Financial Economics (JFE), Forthcoming, Fisher College of Business Working Paper No. 2012-03-008 , Charles A. Dice Center Working Paper No. 2012-8
Number of pages: 56 Posted: 10 May 2012 Last Revised: 11 Feb 2014
National University of Singapore, Ohio State University (OSU) - Department of Finance, Federal Reserve Bank of Chicago, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 663 (37,283)

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Predatory lending, subprime crisis, household finance, default

Predatory Lending and the Subprime Crisis

NBER Working Paper No. w19550
Number of pages: 56 Posted: 18 Oct 2013
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 24 (507,098)
Citation 37

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Mortgage Refinancing, Consumer Spending, and Competition: Evidence from the Home Affordable Refinancing Program

Columbia Business School Research Paper No. 15-85, Kreisman Working Papers Series in Housing Law and Policy No. 27
Number of pages: 72 Posted: 21 Sep 2015 Last Revised: 29 Oct 2017
National University of Singapore, Federal Reserve Bank of Chicago, Office of the Comptroller of the Currency (OCC), University of Pennsylvania - The Wharton School, Columbia Business School - Finance and Economics, Stanford University and Georgia State University - J. Mack Robinson College of Business
Downloads 669 (36,854)
Citation 2

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Financial Crisis, HARP, Debt, Refinancing, Consumption, Spending, Household Finance, Mortgages, Policy Intervention

Mortgage Refinancing, Consumer Spending, and Competition: Evidence from the Home Affordable Refinancing Program

NBER Working Paper No. w21512
Number of pages: 73 Posted: 31 Aug 2015 Last Revised: 08 Sep 2015
National University of Singapore, Federal Reserve Bank of Chicago, Office of the Comptroller of the Currency (OCC), Columbia Business School - Finance and Economics, Stanford University and Georgia State University - J. Mack Robinson College of Business
Downloads 12 (584,275)
Citation 10

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10.

How Did the 2003 Dividend Tax Cut Affect Stock Prices and Corporate Payout Policy?

FEDs Working Paper No. 2005-57
Number of pages: 28 Posted: 05 Jan 2006
Federal Reserve Bank of Chicago, Federal Reserve Board - Division of Research & Statistics, Brookings Institution and Federal Reserve Board - Research & Statistics
Downloads 622 (41,207)
Citation 12

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Dividends, capital taxation, share repurchases, executive compensation

11.

Financial Education versus Costly Counseling: How to Dissuade Borrowers from Choosing Risky Mortgages?

American Economic Journal: Economic Policy, Forthcoming, Fisher College of Business Working Paper No. 2008-03-020, Charles A. Dice Center Working Paper No. 2008-20, Paolo Baffi Centre Research Paper No. 2009-51, Networks Financial Institute Working Paper 2011-WP-12, FRB of Chicago Working Paper No. 2009-7, FDIC Center for Financial Research Working Paper No. 2009-04
Number of pages: 57 Posted: 20 Oct 2008 Last Revised: 19 Apr 2019
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 511 (53,121)

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Financial counseling, subprime crisis, predatory lending, household finance

12.

Portfolio Allocation Choices in Taxable and Tax-Deferred Accounts: An Empirical Analysis of Tax-Efficiency

Number of pages: 51 Posted: 26 Jun 2002
Gene Amromin
Federal Reserve Bank of Chicago
Downloads 469 (59,185)
Citation 30

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13.

Market-Based Loss Mitigation Practices for Troubled Mortgages Following the Financial Crisis

Charles A. Dice Center Working Paper No. 2010-19, Fisher College of Business Working Paper No. 2010-03-019, FRB of Chicago Working Paper No. 2011-03
Number of pages: 46 Posted: 13 Oct 2010 Last Revised: 16 Mar 2011
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 408 (70,124)
Citation 24

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Financial Crisis, Loss Mitigation, Mortgage Crisis, Lenders, Servicers, Liquidation, Modification, Repayment, Refinance, Default, Delinquency, Borrower, Interest Rates, Household Finance, Credit, Housing, FICO Score, Leverage, LTV, Loan Modification, Mortgage, GSE, HAMP, Loan Term, Loan Balance

14.

Expectations of Risk and Return Among Household Investors: Are Their Sharpe Ratios Countercyclical?

Number of pages: 43 Posted: 15 Jan 2009 Last Revised: 10 May 2009
Gene Amromin and Steven A. Sharpe
Federal Reserve Bank of Chicago and Federal Reserve Board - Research & Statistics
Downloads 406 (70,577)
Citation 21

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Equity premium, investor survey, investor expectations, time-varying expected returns

15.

The Politics of Foreclosures

Journal of Finance, Forthcoming, Georgetown McDonough School of Business Research Paper No. 3054046, Fisher College of Business Working Paper No. 2017-03-021, Charles A. Dice Working Paper No. 2017-21
Number of pages: 111 Posted: 17 Oct 2017 Last Revised: 06 Jan 2018
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance and Rutgers University
Downloads 322 (92,039)
Citation 2

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Political Economy, Real Estate Lending, Household Finance, Financial Crisis, Lobbying

16.
Downloads 299 ( 99,777)
Citation 7

How Did the 2003 Dividend Tax Cut Affect Stock Prices?

Finance and Economics Discussion Paper No. 2005-61
Number of pages: 33 Posted: 09 Jan 2006
Gene Amromin, Paul Harrison and Steven A. Sharpe
Federal Reserve Bank of Chicago, Federal Reserve Board - Division of Research & Statistics and Federal Reserve Board - Research & Statistics
Downloads 154 (189,053)
Citation 5

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Dividends, capital taxation

How Did the 2003 Dividend Tax Cut Affect Stock Prices?

FRB of Chicago Working Paper No. 2006-17
Number of pages: 41 Posted: 11 Dec 2006
Gene Amromin, Steven A. Sharpe and Paul Harrison
Federal Reserve Bank of Chicago, Federal Reserve Board - Research & Statistics and Barclays Global Investors (BGI)
Downloads 145 (198,875)
Citation 2

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dividends, capital taxation

17.

Comparing Patterns of Default Among Prime and Subprime Mortgages

Economic Perspectives, Vol. 33, No. 2, 2009
Number of pages: 20 Posted: 21 May 2009 Last Revised: 29 Jun 2009
Gene Amromin and Anna L. Paulson
Federal Reserve Bank of Chicago and Federal Reserve Bank of Chicago
Downloads 285 (105,132)
Citation 7

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mortgages, delinquency, prime, subprime, home prices, financial crisis, Housing Demand, Financial Crises

18.

Learning to Cope: Voluntary Financial Education Programs and Loan Performance During a Housing Crisis

Charles A. Dice Center Working Paper No. 2009-23 , AFA 2010 Atlanta Meetings Paper
Number of pages: 15 Posted: 29 Dec 2009 Last Revised: 09 May 2015
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 284 (105,542)
Citation 20

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Financial education, Mortgage crisis, Counseling, Mortgage default, Financial literacy, Subprime crisis, Household finance, default, homeowner, loan, debt, household finance, leverage, financial literacy, delinquency, debt literacy, financial planning

Holdup by Junior Claimholders: Evidence from the Mortgage Market

Journal of Financial and Quantitative Analysis (JFQA), Forthcoming, Charles A. Dice Center Working Paper No. 2014-02, Fisher College of Business Working Paper No. 2014-03-02
Number of pages: 47 Posted: 15 Mar 2012 Last Revised: 02 Nov 2017
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Office of the Comptroller of the Currency (OCC) and Government of the United States of America - Office of the Comptroller of the Currency (OCC)
Downloads 232 (129,529)
Citation 9

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Subprime Crisis, Household Finance, Second Liens, Mortgages, Holdup Problem

Holdup by Junior Claimholders: Evidence from the Mortgage Market

NBER Working Paper No. w20015
Number of pages: 47 Posted: 31 Mar 2014
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Office of the Comptroller of the Currency (OCC) and Government of the United States of America - Office of the Comptroller of the Currency (OCC)
Downloads 16 (557,820)

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20.

From the Horse's Mouth: Gauging Conditional Expected Stock Returns from Investor Survey

AFA 2006 Boston Meetings Paper
Number of pages: 47 Posted: 25 Mar 2005
Gene Amromin and Steven A. Sharpe
Federal Reserve Bank of Chicago and Federal Reserve Board - Research & Statistics
Downloads 213 (141,236)
Citation 4

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expected returns, investor surveys

21.

From the Horse's Mouth: How Do Investor Expectations of Risk and Return Vary with Economic Conditions?

FRB of Chicago Working Paper No. 2012-08
Number of pages: 40 Posted: 02 Dec 2012
Gene Amromin and Steven A. Sharpe
Federal Reserve Bank of Chicago and Federal Reserve Board - Research & Statistics
Downloads 212 (141,828)
Citation 31

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expected returns, household investors, economic conditions

Homebuilders, Affiliated Financing Arms and the Mortgage Crisis

Number of pages: 17 Posted: 31 Oct 2011
National University of Singapore, Federal Reserve Bank of Chicago, Wharton, Federal Reserve Bank of Chicago and University of Texas at Arlington - Department of Finance and Real Estate
Downloads 75 (315,996)
Citation 2

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Homebuilders, Financial Crisis, Finance Arms of Homebuilders, Household Finance

Homebuilders, Affiliated Financing Arms, and the Mortgage Crisis

Economic Perspectives, Vol. 38, No. 2, 2014
Number of pages: 14 Posted: 04 Jun 2014
National University of Singapore, Federal Reserve Bank of Chicago, Wharton, Federal Reserve Bank of Chicago and University of Texas at Arlington - Department of Finance and Real Estate
Downloads 56 (369,413)

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Homebuilders, Financial Crisis, Finance Arms of Homebuilders, Household Finance, Portfolio Choice, Investment Decisions, Banks, Depository Institutions, Micro Finance Institutions, Mortgages

23.

Transforming Payment Choices By Doubling Fees on the Illinois Tollway

Economic Perspectives, Vol. XXXI, No. 2, Second Quarter 2007, FRB of Chicago Working Paper No. 2006-16
Number of pages: 26 Posted: 06 Dec 2006
Federal Reserve Bank of Chicago, Federal Reserve Bank of Chicago and Federal Reserve Bank of Chicago
Downloads 125 (223,086)
Citation 2

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payment choice, social network externalities, response to large relative price changes

24.

Precautionary Savings Motives and Tax Efficiency of Household Portfolios: An Empirical Analysis

FEDS Working Paper No. 2005-01
Number of pages: 36 Posted: 28 Jan 2005
Gene Amromin
Federal Reserve Bank of Chicago
Downloads 103 (256,509)
Citation 4

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Tax efficiency, precautionary motives, portfolio choice, tax-deferred retirement savings

25.

From the Horse's Mouth: Gauging Conditional Expected Stock Returns from Investor Surveys

EFA 2005 Moscow Meetings Paper
Number of pages: 47 Posted: 26 Feb 2005
Gene Amromin and Steven A. Sharpe
Federal Reserve Bank of Chicago and Federal Reserve Board - Research & Statistics
Downloads 78 (305,618)
Citation 3

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26.

Access to Refinancing and Mortgage Interest Rates: HARPing on the Importance of Competition

FRB of Chicago Working Paper No. 2014-25
Number of pages: 41 Posted: 19 Dec 2014
Gene Amromin and Caitlin Kearns
Federal Reserve Bank of Chicago and University of California, Berkeley
Downloads 59 (354,813)
Citation 9

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mortgage crisis, market competition, pricing power, HARP

27.

Economic Perspectives Special Issue on Payments Fraud: An Introduction

Economic Perspectives, Vol. XXXIII, No. 1, 2009
Number of pages: 5 Posted: 11 Feb 2009
Gene Amromin and Richard D. Porter
Federal Reserve Bank of Chicago and Federal Reserve Bank of Chicago
Downloads 46 (396,784)

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28.

Loan Product Steering in Mortgage Markets

NBER Working Paper No. w22696
Number of pages: 46 Posted: 03 Oct 2016
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance and Federal Reserve Bank of Chicago
Downloads 18 (526,208)
Citation 3

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29.

The Effectiveness of Mandatory Mortgage Counseling: Can One Dissuade Borrowers from Choosing Risky Mortgages?

NBER Working Paper No. w19920
Number of pages: 37 Posted: 24 Feb 2014 Last Revised: 26 Feb 2014
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 16 (537,653)
Citation 1

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Household Inequality and the Consumption Response to Aggregate Real Shocks

NBER Working Paper No. w24073
Number of pages: 28 Posted: 06 Dec 2017
Federal Reserve Bank of Chicago, University College London, Economics Dpt. and Federal Reserve Bank of Chicago
Downloads 4 (640,056)
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Household Inequality and the Consumption Response to Aggregate Real Shocks

CEPR Discussion Paper No. DP12459
Number of pages: 30 Posted: 01 Dec 2017
Federal Reserve Bank of Chicago, University College London, Economics Dpt. and Federal Reserve Bank of Chicago
Downloads 0
Citation 2
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31.

Education Financing and Student Lending

Annual Review of Financial Economics, Vol. 8, pp. 289-315, 2016
Posted: 18 Nov 2016
Gene Amromin and Janice C. Eberly
Federal Reserve Bank of Chicago and Northwestern University - Kellogg School of Management

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