Gene Amromin

Federal Reserve Bank of Chicago

230 South LaSalle Street

230 S. LaSalle

Chicago, IL 60604

United States

SCHOLARLY PAPERS

29

DOWNLOADS
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Top 1,561

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15,304

CITATIONS
Rank 4,294

SSRN RANKINGS

Top 4,294

in Total Papers Citations

124

Scholarly Papers (29)

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 4,701 (1,131)
Citation 11

Abstract:

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
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 65 (275,634)
Citation 11

Abstract:

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
Georgetown University - Department of Finance, Federal Reserve Bank of Chicago, Ohio State University - Fisher College of Business, Finance Department, Office of the Comptroller of the Currency (OCC), Columbia Business School - Finance and Economics and Stanford University
Downloads 1,734 (6,420)
Citation 1

Abstract:

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
Georgetown University - Department of Finance, Federal Reserve Bank of Chicago, Ohio State University - Fisher College of Business, Finance Department, Office of the Comptroller of the Currency (OCC), Columbia Business School - Finance and Economics and Stanford University
Downloads 106 (202,390)
Citation 1

Abstract:

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
Georgetown University - Department of Finance, Federal Reserve Bank of Chicago, Ohio State University - Fisher College of Business, Finance Department, Office of the Comptroller of the Currency (OCC), Columbia Business School - Finance and Economics and Stanford University
Downloads 12 (480,621)
Citation 1

Abstract:

3.

Financial Literacy and Financial Planning: Evidence from India

Number of pages: 45 Posted: 20 Dec 2010
Georgetown University - Department of Finance, Federal Reserve Bank of Chicago, Ohio State University - Fisher College of Business, Finance Department, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 1,044 (11,635)

Abstract:

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
Georgetown University - Department of Finance, Federal Reserve Bank of Chicago, Ohio State University - Fisher College of Business, Finance Department, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 742 (24,876)
Citation 4

Abstract:

Financial literacy, Household finance, Financial Literacy, Consumer Behavior

5.

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
Georgetown University - Department of Finance, Federal Reserve Bank of Chicago, Ohio State University - Fisher College of Business, Finance Department, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 617 (32,138)
Citation 16

Abstract:

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

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
Georgetown University - Department of Finance, Ohio State University - Fisher College of Business, Finance Department, Federal Reserve Bank of Chicago, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 581 (34,296)

Abstract:

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
Georgetown University - Department of Finance, Federal Reserve Bank of Chicago, Ohio State University - Fisher College of Business, Finance Department, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 15 (463,609)

Abstract:

7.

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, Federal Reserve Board and Federal Reserve Board - Research & Statistics
Downloads 593 (33,409)
Citation 2

Abstract:

Dividends, capital taxation, share repurchases, executive compensation

8.
Downloads 568 ( 35,859)
Citation 5

Complex Mortgages

AFA 2012 Chicago Meetings Paper
Number of pages: 47 Posted: 25 Nov 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 443 (48,750)
Citation 5

Abstract:

Mortgage Contract Choice, Strategic 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 110 (197,027)
Citation 5

Abstract:

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 15 (463,818)
Citation 5

Abstract:

9.

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 490 (34,964)
Citation 1

Abstract:

payment networks, money demand, technological infrastructure

10.

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

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, FDIC Center for Financial Research Working Paper No. 2009-04, FRB of Chicago Working Paper No. 2009-7, Networks Financial Institute Working Paper 2011-WP-12, AFA 2010 Atlanta Meetings Paper, EFA 2009 Bergen Meetings Paper
Number of pages: 37 Posted: 20 Oct 2008 Last Revised: 14 Sep 2014
Georgetown University - Department of Finance, Federal Reserve Bank of Chicago, Ohio State University - Fisher College of Business, Finance Department, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 487 (43,727)
Citation 12

Abstract:

Financial counseling, subprime crisis, predatory lending, household finance

11.

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 411 (51,823)
Citation 8

Abstract:

12.

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
Georgetown University - Department of Finance, Federal Reserve Bank of Chicago, Ohio State University - Fisher College of Business, Finance Department, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 377 (59,833)
Citation 11

Abstract:

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

13.

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 308 (64,451)
Citation 4

Abstract:

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

14.
Downloads 280 ( 84,113)
Citation 17

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 146 (157,748)
Citation 17

Abstract:

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 134 (169,252)
Citation 17

Abstract:

dividends, capital taxation

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: 61 Posted: 21 Sep 2015 Last Revised: 03 Nov 2015
Georgetown University - Department of Finance, 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 249 (94,895)

Abstract:

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: 58 Posted: 31 Aug 2015
Georgetown University - Department of Finance, 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 9 (497,338)

Abstract:

16.

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 214 (98,270)
Citation 2

Abstract:

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

17.

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
Georgetown University - Department of Finance, Federal Reserve Bank of Chicago, Ohio State University - Fisher College of Business, Finance Department, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 213 (98,686)
Citation 8

Abstract:

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

18.

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 200 (114,939)
Citation 5

Abstract:

expected returns, investor surveys

Second Liens and the Holdup Problem in Mortgage Renegotiation

Charles A. Dice Center Working Paper No. 2014-02, Fisher College of Business Working Paper No. 2014-03-02
Number of pages: 45 Posted: 15 Mar 2012 Last Revised: 21 Mar 2014
Georgetown University - Department of Finance, Federal Reserve Bank of Chicago, Ohio State University - Fisher College of Business, Finance Department, 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 190 (124,417)
Citation 1

Abstract:

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

Second Liens and the Holdup Problem in Mortgage Renegotiation

NBER Working Paper No. w20015
Number of pages: 45 Posted: 31 Mar 2014
Georgetown University - Department of Finance, Federal Reserve Bank of Chicago, Ohio State University - Fisher College of Business, Finance Department, 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 5 (518,413)
Citation 1

Abstract:

20.

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 178 (123,348)

Abstract:

expected returns, household investors, economic conditions

Homebuilders, Affiliated Financing Arms and the Mortgage Crisis

Number of pages: 17 Posted: 31 Oct 2011
Georgetown University - Department of Finance, Federal Reserve Bank of Chicago, New York University (NYU) - Leonard N. Stern School of Business, Federal Reserve Bank of Chicago and Arizona State University (ASU) - Finance Department
Downloads 66 (273,167)

Abstract:

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
Georgetown University - Department of Finance, Federal Reserve Bank of Chicago, New York University (NYU) - Leonard N. Stern School of Business, Federal Reserve Bank of Chicago and Arizona State University (ASU) - Finance Department
Downloads 34 (367,521)

Abstract:

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

22.

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 100 (202,714)
Citation 8

Abstract:

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

23.

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 98 (212,647)
Citation 1

Abstract:

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

24.

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 70 (257,413)
Citation 5

Abstract:

25.

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 40 (332,607)

Abstract:

26.
Downloads 33 (362,909)
Citation 1

Loan Product Steering in Mortgage Markets

Georgetown McDonough School of Business Research Paper No. 2841312, Fisher College of Business Working Paper No. 2016-03-18, Charles A. Dice Center Working Paper No. 2016-18
Number of pages: 46 Posted: 21 Sep 2016 Last Revised: 22 Oct 2016
Georgetown University - Department of Finance, Federal Reserve Bank of Chicago, Ohio State University - Fisher College of Business, Finance Department and Federal Reserve Bank of Chicago
Downloads 28 (393,041)
Citation 1

Abstract:

Mortgages, mortgage steering, financial crisis, predatory lending, household finance

Loan Product Steering in Mortgage Markets

NBER Working Paper No. w22696
Number of pages: 46 Posted: 03 Oct 2016
Georgetown University - Department of Finance, Federal Reserve Bank of Chicago, Ohio State University - Fisher College of Business, Finance Department and Federal Reserve Bank of Chicago
Downloads 5 (518,413)
Citation 1

Abstract:

27.

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 24 (345,307)

Abstract:

mortgage crisis, market competition, pricing power, HARP

28.

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
Georgetown University - Department of Finance, Federal Reserve Bank of Chicago, Ohio State University - Fisher College of Business, Finance Department, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 6 (486,103)

Abstract:

29.

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

Abstract: