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Sumit Agarwal

National University of Singapore

Professor of Economics, Finance and Real Estate

15 Kent Ridge Drive

Singapore, 117592

Singapore

http://www.ushakrisna.com

  • National University of Singapore

SCHOLARLY PAPERS

148

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46,685

CITATIONS
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Top 1,312

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422

Scholarly Papers (148)

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1.

The Age of Reason: Financial Decisions over the Life-Cycle with Implications for Regulation

Downloads 5,703 ( 1,041)
Citation 76

The Age of Reason: Financial Decisions over the Life-Cycle with Implications for Regulation

Number of pages: 76 Posted: 29 Mar 2008 Last Revised: 22 Oct 2009
Sumit Agarwal, John C. Driscoll, Xavier Gabaix and David Laibson
National University of Singapore, Federal Reserve Board, Harvard University - Department of Economics and Harvard University - Department of Economics
Downloads 5,522 (1,073)
Citation 76

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Household finance, aging, financial sophistication, shrouding, credit cards, fees, mortgages, regulation

The Age of Reason: Financial Decisions Over the Lifecycle

NYU Working Paper No. FIN-07-005
Number of pages: 51 Posted: 03 Nov 2008
Sumit Agarwal, John C. Driscoll, Xavier Gabaix and David Laibson
National University of Singapore, Federal Reserve Board, Harvard University - Department of Economics and Harvard University - Department of Economics
Downloads 144 (184,295)
Citation 76

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Household finance, behavioral finance, behavioral industrial organization, aging, shrouding, auto loans, credit cards, fees, home equity, home equity

The Age of Reason: Financial Decisions Over the Lifecycle

NBER Working Paper No. w13191
Number of pages: 51 Posted: 03 Jul 2007 Last Revised: 19 Jul 2010
Sumit Agarwal, John C. Driscoll, Xavier Gabaix and David Laibson
National University of Singapore, Federal Reserve Board, Harvard University - Department of Economics and Harvard University - Department of Economics
Downloads 37 (408,158)
Citation 76

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2.

Regulating Consumer Financial Products: Evidence from Credit Cards

Downloads 2,150 ( 5,580)

Regulating Consumer Financial Products: Evidence from Credit Cards

Number of pages: 67 Posted: 26 Sep 2013 Last Revised: 28 Aug 2014
Sumit Agarwal, Souphala Chomsisengphet, Neale Mahoney and Johannes Stroebel
National University of Singapore, Office of the Comptroller of the Currency (OCC), University of Chicago Booth School of Business and New York University (NYU)
Downloads 2,122 (5,586)

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Credit Cards, CARD Act, Subprime Credit, Consumer Credit, Salience

Regulating Consumer Financial Products: Evidence from Credit Cards

NBER Working Paper No. w19484
Number of pages: 70 Posted: 28 Sep 2013 Last Revised: 02 Mar 2018
Sumit Agarwal, Souphala Chomsisengphet, Neale Mahoney and Johannes Stroebel
National University of Singapore, Office of the Comptroller of the Currency (OCC), University of Chicago Booth School of Business and New York University (NYU)
Downloads 28 (448,878)

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3.

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

Downloads 2,020 ( 6,193)
Citation 2

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
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet, Tomasz Piskorski and Amit Seru
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 1,900 (6,738)
Citation 2

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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
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet, Tomasz Piskorski and Amit Seru
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 106 (233,544)
Citation 2

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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
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet, Tomasz Piskorski and Amit Seru
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 14 (530,597)
Citation 2

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4.

Did the Community Reinvestment Act (CRA) Lead to Risky Lending?

Downloads 1,625 ( 8,977)
Citation 3

Did the Community Reinvestment Act (CRA) Lead to Risky Lending?

Kreisman Working Papers Series in Housing Law and Policy No. 8
Number of pages: 44 Posted: 08 Nov 2012 Last Revised: 08 Jan 2015
Sumit Agarwal, Efraim Benmelech, Nittai Bergman and Amit Seru
National University of Singapore, Northwestern University - Kellogg School of Management, Tel Aviv University and Stanford University
Downloads 1,510 (9,915)
Citation 3

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CRA, Financial Institutions, Mortgages, Financial Crisis, Household Finance

Did the Community Reinvestment Act (Cra) Lead to Risky Lending?

NBER Working Paper No. w18609
Number of pages: 45 Posted: 07 Dec 2012 Last Revised: 17 Dec 2012
Sumit Agarwal, Efraim Benmelech, Nittai Bergman and Amit Seru
National University of Singapore, Northwestern University - Kellogg School of Management, Tel Aviv University and Stanford University
Downloads 115 (220,087)
Citation 3

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5.

Learning in the Credit Card Market

Downloads 1,589 ( 9,305)
Citation 24

Learning in the Credit Card Market

Number of pages: 44 Posted: 06 Apr 2008 Last Revised: 26 Apr 2013
Sumit Agarwal, John C. Driscoll, Xavier Gabaix and David Laibson
National University of Singapore, Federal Reserve Board, Harvard University - Department of Economics and Harvard University - Department of Economics
Downloads 1,493 (10,085)
Citation 24

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household finance, consumer finance, credit cards, feedback, learning, learning-by-doing, recency

Learning in the Credit Card Market

NBER Working Paper No. w13822
Number of pages: 37 Posted: 15 Feb 2008
Sumit Agarwal, John C. Driscoll, Xavier Gabaix and David Laibson
National University of Singapore, Federal Reserve Board, Harvard University - Department of Economics and Harvard University - Department of Economics
Downloads 96 (250,319)
Citation 24

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6.

Inconsistent Regulators: Evidence from Banking

Downloads 1,409 ( 11,303)
Citation 9

Inconsistent Regulators: Evidence from Banking

AFA 2013 San Diego Meetings Paper
Number of pages: 59 Posted: 03 Jan 2012 Last Revised: 10 Apr 2013
Sumit Agarwal, David O. Lucca, Amit Seru and Francesco Trebbi
National University of Singapore, Federal Reserve Banks - Federal Reserve Bank of New York, Stanford University and Vancouver School of Economics
Downloads 1,381 (11,462)
Citation 9

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Banking Regulation, Banking Supervision, Dual Banking, CAMELS, Financial Institutions, European Banking

Inconsistent Regulators: Evidence from Banking

NBER Working Paper No. w17736
Number of pages: 60 Posted: 06 Jan 2012
Sumit Agarwal, David O. Lucca, Amit Seru and Francesco Trebbi
National University of Singapore, Federal Reserve Banks - Federal Reserve Bank of New York, Stanford University and Vancouver School of Economics
Downloads 28 (448,878)
Citation 9

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7.

Optimal Mortgage Refinancing: A Closed Form Solution

Downloads 1,317 ( 12,653)
Citation 6

Optimal Mortgage Refinancing: A Closed Form Solution

Journal of Money, Credit, and Banking, Forthcoming
Number of pages: 46 Posted: 31 Aug 2007 Last Revised: 07 May 2013
Sumit Agarwal, John C. Driscoll and David Laibson
National University of Singapore, Federal Reserve Board and Harvard University - Department of Economics
Downloads 1,277 (12,948)
Citation 5

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Mortgage, refinance, option value, normative economics

Optimal Mortgage Refinancing: A Closed Form Solution

NBER Working Paper No. w13487
Number of pages: 41 Posted: 15 Oct 2007 Last Revised: 13 Dec 2007
Sumit Agarwal, John C. Driscoll and David Laibson
National University of Singapore, Federal Reserve Board and Harvard University - Department of Economics
Downloads 40 (396,268)
Citation 6

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8.

Do Banks Pass Through Credit Expansions to Consumers Who Want To Borrow?

Downloads 1,268 ( 13,406)

Do Banks Pass Through Credit Expansions to Consumers Who Want To Borrow?

Number of pages: 95 Posted: 11 Jun 2015 Last Revised: 15 Sep 2017
Sumit Agarwal, Souphala Chomsisengphet, Neale Mahoney and Johannes Stroebel
National University of Singapore, Office of the Comptroller of the Currency (OCC), University of Chicago Booth School of Business and New York University (NYU)
Downloads 1,219 (13,963)

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Pass-Through, Monetary Policy, Credit Card Market, Asymmetric Information

Do Banks Pass Through Credit Expansions? The Marginal Profitability of Consumer Lending During the Great Recession

CESifo Working Paper Series No. 5521
Number of pages: 59 Posted: 19 Oct 2015
Sumit Agarwal, Souphala Chomsisengphet, Neale Mahoney and Johannes Stroebel
National University of Singapore, Office of the Comptroller of the Currency (OCC), University of Chicago Booth School of Business and New York University (NYU)
Downloads 35 (416,726)

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Do Banks Pass Through Credit Expansions to Consumers Who Want to Borrow?

NBER Working Paper No. w21567
Number of pages: 96 Posted: 21 Sep 2015
Sumit Agarwal, Souphala Chomsisengphet, Neale Mahoney and Johannes Stroebel
National University of Singapore, Office of the Comptroller of the Currency (OCC), University of Chicago Booth School of Business and New York University (NYU)
Downloads 14 (530,597)

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Do Banks Pass Through Credit Expansions? The Marginal Profitability of Consumer Lending During the Great Recession

CEPR Discussion Paper No. DP10839
Number of pages: 60 Posted: 21 Sep 2015
Sumit Agarwal, Souphala Chomsisengphet, Neale Mahoney and Johannes Stroebel
National University of Singapore, Office of the Comptroller of the Currency (OCC), University of Chicago Booth School of Business and New York University (NYU)
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asymmetric information, credit card market, monetary policy, pass-through

9.

Do Consumers Choose the Right Credit Contracts?

Downloads 1,108 ( 16,529)
Citation 36

Do Consumers Choose the Right Credit Contracts?

Number of pages: 26 Posted: 13 Nov 2005 Last Revised: 18 Mar 2015
Sumit Agarwal, Souphala Chomsisengphet, Chunlin Liu and Nicholas S. Souleles
National University of Singapore, Office of the Comptroller of the Currency (OCC), University of Nevada, Reno - College of Business and University of Pennsylvania - Finance Department
Downloads 685 (32,448)
Citation 36

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consumption, borrowing, debt, balance sheets, consumer credit, credit cards, banking

Do Consumers Choose the Right Credit Contracts?

Number of pages: 26 Posted: 05 Dec 2006 Last Revised: 18 Mar 2015
Sumit Agarwal, Souphala Chomsisengphet, Chunlin Liu and Nicholas S. Souleles
National University of Singapore, Office of the Comptroller of the Currency (OCC), University of Nevada, Reno - College of Business and University of Pennsylvania - Finance Department
Downloads 311 (86,998)
Citation 36

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consumption, borrowing, debt, balance sheets, consumer credit, credit cards, banking

Do Consumers Choose the Right Credit Contracts?

The Review of Corporate Finance Studies, Forthcoming
Number of pages: 31 Posted: 11 Aug 2014 Last Revised: 19 Mar 2015
Sumit Agarwal, Souphala Chomsisengphet, Chunlin Liu and Nicholas S. Souleles
National University of Singapore, Office of the Comptroller of the Currency (OCC), University of Nevada, Reno - College of Business and University of Pennsylvania - Finance Department
Downloads 112 (224,458)
Citation 34

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consumption, borrowing, debt, balance sheets, consumer credit, credit cards, banking

10.

Financial Literacy and Financial Planning: Evidence from India

Number of pages: 45 Posted: 20 Dec 2010
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet and Douglas D. Evanoff
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 1,044 (11,521)

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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

11.

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
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet and Douglas D. Evanoff
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 875 (23,424)
Citation 4

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Financial literacy, Household finance, Financial Literacy, Consumer Behavior

12.

The Choice between Arm's-Length and Relationship Debt: Evidence from Eloans

Downloads 695 ( 32,285)
Citation 9

The Choice between Arm's-Length and Relationship Debt: Evidence from Eloans

EFA 2007 Ljubljana Meetings Paper, AFA 2008 New Orleans Meetings Paper
Number of pages: 42 Posted: 04 Mar 2007
Sumit Agarwal and Robert B. H. Hauswald
National University of Singapore and American University - Department of Finance and Real Estate
Downloads 468 (53,482)
Citation 9

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Relationship lending, transactional debt, differential information, online lending

The Choice Between Arm's-Length and Relationship Debt: Evidence from eLoans

FRB of Chicago Working Paper No. 2008-10
Number of pages: 49 Posted: 25 Nov 2008
Sumit Agarwal and Robert B. H. Hauswald
National University of Singapore and American University - Department of Finance and Real Estate
Downloads 227 (121,483)
Citation 9

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Relationship Lending, Internet Lending, Soft Information, Banking, Small Business Loans

13.

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
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet and Douglas D. Evanoff
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 665 (34,372)
Citation 17

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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

14.

Predatory Lending and the Subprime Crisis

Downloads 660 ( 34,689)

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
Sumit Agarwal, Itzhak Ben-David, Gene Amromin, Souphala Chomsisengphet and Douglas D. Evanoff
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 639 (35,719)

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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
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet and Douglas D. Evanoff
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 21 (488,585)

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15.

The Reaction of Consumer Spending and Debt to Tax Rebates - Evidence from Consumer Credit Data

Downloads 645 ( 35,818)
Citation 32

The Reaction of Consumer Spending and Debt to Tax Rebates - Evidence from Consumer Credit Data

Number of pages: 45 Posted: 12 Dec 2007 Last Revised: 13 Dec 2011
Sumit Agarwal, Chunlin Liu and Nicholas S. Souleles
National University of Singapore, University of Nevada, Reno - College of Business and University of Pennsylvania - Finance Department
Downloads 616 (37,450)
Citation 32

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consumption, saving, Life-Cycle model, Permanent-Income Hypothesis, liquidity constraints, fiscal policy, tax cuts, tax rebates, windfalls, credit cards, consumer credit, consumer balance sheets, household finance

The Reaction of Consumer Spending and Debt to Tax Rebates -- Evidence from Consumer Credit Data

NBER Working Paper No. w13694
Number of pages: 46 Posted: 21 Dec 2007 Last Revised: 30 Dec 2007
Sumit Agarwal, Chunlin Liu and Nicholas S. Souleles
National University of Singapore, University of Nevada, Reno - College of Business and University of Pennsylvania - Finance Department
Downloads 29 (443,791)
Citation 32

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16.

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

Downloads 603 ( 39,096)

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
Sumit Agarwal, Gene Amromin, Souphala Chomsisengphet, Tim Landvoigt, Tomasz Piskorski, Amit Seru and Vincent W. Yao
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 592 (39,481)

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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
Sumit Agarwal, Gene Amromin, Souphala Chomsisengphet, Tomasz Piskorski, Amit Seru and Vincent W. Yao
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 11 (548,840)

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17.

Why Do Banks Reward Their Customers to Use Their Credit Cards?

FRB of Chicago Working Paper No. 2010-19
Number of pages: 54 Posted: 03 Dec 2010 Last Revised: 30 Dec 2010
Sumit Agarwal, Sujit Chakravorti and Anna Lunn
National University of Singapore, Independent and affiliation not provided to SSRN
Downloads 544 (34,207)
Citation 1

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Household Finance, Financial Incentives, Credit cards

18.

Consumption and Debt Response to Unanticipated Income Shocks: Evidence from a Natural Experiment in Singapore

Number of pages: 77 Posted: 04 Apr 2013 Last Revised: 24 Jul 2014
Sumit Agarwal and Wenlan Qian
National University of Singapore and National University of Singapore - NUS Business School
Downloads 540 (45,107)
Citation 1

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Consumption, Spending, Debt, Credit Cards, Household Finance, Banks, Loans, Durable Goods, Discretionary Spending, Fiscal Policy, Tax Rebates, Liquidity Constraints, Credit Constraints, Precautionary Savings, Anticipated and Unanticipated Income Shocks, Announcement Effects.

19.

Payday Loans and Credit Cards: New Liquidity and Credit Scoring Puzzles?

Downloads 521 ( 47,233)
Citation 17

Payday Loans and Credit Cards: New Liquidity and Credit Scoring Puzzles?

Number of pages: 17 Posted: 15 Jan 2009
Sumit Agarwal, Paige Marta Skiba and Jeremy Tobacman
National University of Singapore, Vanderbilt University - Law School and Alfred Lerner College of Business and Economics, University of Delaware
Downloads 460 (54,656)
Citation 17

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payday loans, credit cards, liquidity puzzles, household finance, banking, credit scores, personal finance

Payday Loans and Credit Cards: New Liquidity and Credit Scoring Puzzles?

NBER Working Paper No. w14659
Number of pages: 19 Posted: 25 Jan 2009 Last Revised: 23 Jul 2010
Sumit Agarwal, Paige Marta Skiba and Jeremy Tobacman
National University of Singapore, Vanderbilt University - Law School and Alfred Lerner College of Business and Economics, University of Delaware
Downloads 61 (327,610)
Citation 17

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20.

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
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet and Douglas D. Evanoff
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 498 (49,979)
Citation 12

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Financial counseling, subprime crisis, predatory lending, household finance

21.

The Brokerage Firm Effect in Herding: Evidence from Indonesia

Journal of Financial Research, Forthcoming
Number of pages: 33 Posted: 14 May 2007 Last Revised: 09 Dec 2009
Sumit Agarwal, Chunlin Liu, S. Ghon Rhee and I-Ming Chiu
National University of Singapore, University of Nevada, Reno - College of Business, University of Hawaii - Shidler College of Business and Rutgers, The State University of New Jersey - Rutgers University, Camden
Downloads 464 (50,496)

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Herding behavior, Foreign Investor, Domestic investor, Emerging stock market, Brokerage firm

22.

Determinants of Automobile Loan Default and Prepayment

Economic Perspectives, Vol. 32, No. 3, 2008
Number of pages: 12 Posted: 19 Sep 2008
Sumit Agarwal, Brent W. Ambrose and Souphala Chomsisengphet
National University of Singapore, Pennsylvania State University and Office of the Comptroller of the Currency (OCC)
Downloads 453 (32,285)

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consumer debt, auto loans, household finance, prepayment, default, Financial Institutions and Services, Duration Analysis, Personal Finance, Asymmetric and Private Information

23.

Earnings Management Behaviors Under Different Economic Environments: Evidence from Japanese Banks

Downloads 448 ( 57,068)
Citation 5

Earnings Management Behaviors Under Different Economic Environments: Evidence from Japanese Banks

Number of pages: 31 Posted: 26 Jan 2005
Sumit Agarwal, Souphala Chomsisengphet, S. Ghon Rhee and Chunlin Liu
National University of Singapore, Office of the Comptroller of the Currency (OCC), University of Hawaii - Shidler College of Business and University of Nevada, Reno - College of Business
Downloads 448 (56,458)
Citation 5

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Loan-loss provision, security gains, earnings management; and regulatory capital

Earnings Management Behaviors Under Different Economic Environments: Evidence from Japanese Banks

International Review of Economics and Finance, Forthcoming
Posted: 27 Dec 2005
Sumit Agarwal, Souphala Chomsisengphet, Chunlin Liu and S. Ghon Rhee
National University of Singapore, Office of the Comptroller of the Currency (OCC), University of Nevada, Reno - College of Business and University of Hawaii - Shidler College of Business

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Loan-Loss Provision, Security Gains, Earnings Management

24.

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
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet and Douglas D. Evanoff
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 402 (65,121)
Citation 11

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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

25.

An Empirical Analysis of Home Equity Loan and Line Performance

Downloads 399 ( 65,710)
Citation 9

An Empirical Analysis of Home Equity Loan and Line Performance

Number of pages: 44 Posted: 17 Sep 2004
Sumit Agarwal, Brent W. Ambrose, Souphala Chomsisengphet and Chunlin Liu
National University of Singapore, Pennsylvania State University, Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business
Downloads 399 (65,094)
Citation 9

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Home Equity Loans and Lines, Prepayment, Capital Regulations

An Empirical Analysis of Home Equity Loan and Line Performance

Journal of Financial Intermediation, Forthcoming
Posted: 14 Apr 2005
Sumit Agarwal, Brent W. Ambrose, Souphala Chomsisengphet and Chunlin Liu
National University of Singapore, Pennsylvania State University, Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business

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Home Equity Loans and Lines, Prepayment, Capital Regulations

26.

What Shapes Consumer Choice and Financial Products? - A Review

Downloads 376 ( 70,409)

What Shapes Consumer Choice and Financial Products? - A Review

Georgetown McDonough School of Business Research Paper No. 2875886
Number of pages: 19 Posted: 29 Nov 2016 Last Revised: 20 Apr 2017
Sumit Agarwal, Souphala Chomsisengphet and Cheryl Lim
National University of Singapore, Office of the Comptroller of the Currency (OCC) and EDHEC-Risk Institute
Downloads 376 (69,784)

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household finance, consumer finance, consumer behavior, consumer bias, choice inefficiencies, cognitive ability, financial literacy, financial education, consumer financial regulation, mortgage debt, credit card, personal investments, financial products, consumer fintech, P2P consumer lending

What Shapes Consumer Choice and Financial Products? A Review

Annual Review of Financial Economics, Vol. 9, pp. 127-146, 2017
Posted: 03 Jan 2018
Sumit Agarwal, Souphala Chomsisengphet and Cheryl Lim
National University of Singapore, Office of the Comptroller of the Currency (OCC) and EDHEC-Risk Institute

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27.

Adverse Selection in Mortgage Securization

Paolo Baffi Centre Research Paper No. 2010-67
Number of pages: 54 Posted: 08 Jul 2010 Last Revised: 17 Jun 2012
Sumit Agarwal, Yan Chang and Abdullah Yavas
National University of Singapore, Federal Home Loan Mortgage Corporation (FHLMC) and University of Wisconsin - School of Business - Department of Real Estate and Urban Land Economics
Downloads 350 (64,726)
Citation 13

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28.

The Spending and Debt Response to Minimum Wage Hikes

FRB of Chicago Working Paper No. 2007-23
Number of pages: 65 Posted: 13 Jun 2008 Last Revised: 12 Feb 2011
Daniel Aaronson, Sumit Agarwal and Eric French
Federal Reserve Bank of Chicago, National University of Singapore and Department of Economics
Downloads 349 (55,845)
Citation 3

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consumption, minimum wage, debt, liquidity constraint, durables

29.

Cognitive Abilities and Household Financial Decision Making

FRB of Chicago Working Paper No. 2010-16
Number of pages: 42 Posted: 02 Aug 2010 Last Revised: 30 Mar 2011
Sumit Agarwal and Bhashkar Mazumder
National University of Singapore and Federal Reserve Bank of Chicago
Downloads 322 (57,202)
Citation 9

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Household finance, Credit Cards, Home Equity, AFQT Scores

30.

Distance and Private Information

Number of pages: 43 Posted: 29 Mar 2008
Sumit Agarwal and Robert B. H. Hauswald
National University of Singapore and American University - Department of Finance and Real Estate
Downloads 294 (70,892)
Citation 38

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Distance, Small Business, Information Asymmetries, Banking

31.

Investor Demand for Ipos and Aftermarket Performance: Evidence from the Hong Kong Stock Market

Downloads 285 ( 96,415)
Citation 6

Investor Demand for Ipos and Aftermarket Performance: Evidence from the Hong Kong Stock Market

Working Paper No. 10-4
Number of pages: 33 Posted: 07 Dec 2004
Sumit Agarwal, Chunlin Liu and S. Ghon Rhee
National University of Singapore, University of Nevada, Reno - College of Business and University of Hawaii - Shidler College of Business
Downloads 285 (95,924)
Citation 6

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Initial Public Offering, Aftermarket Performance, Investor Demand

Investor Demand for Ipos and Aftermarket Performance: Evidence from the Hong Kong Stock Market

Journal of International Financial Markets, Institutions and Money, Forthcoming
Posted: 07 Jun 2006
Sumit Agarwal, Chunlin Liu and S. Ghon Rhee
National University of Singapore, University of Nevada, Reno - College of Business and University of Hawaii - Shidler College of Business

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Initial Public Offering, Aftermarket Performance, Investor Demand

32.

Superstition, Conspicuous Spending, and Housing Markets: Evidence from Singapore

Downloads 253 (109,356)
Citation 1

Superstition, Conspicuous Spending, and Housing Markets: Evidence from Singapore

Number of pages: 36 Posted: 29 Mar 2014 Last Revised: 19 Apr 2016
Sumit Agarwal, Jia He, Haoming Liu, Ivan P. L. Png, Tien Foo Sing and Wei-Kang Wong
National University of Singapore, Nankai University, National University of Singapore (NUS) - Department of Economics, National University of Singapore (NUS), National University of Singapore (NUS) - Department of Real Estate and National University of Singapore (NUS) - Department of Economics
Downloads 231 (119,390)
Citation 1

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Superstition, conspicuous spending, real estate, prices, behavioral economics

Superstition, Conspicuous Spending, and Housing Markets: Evidence from Singapore

IZA Discussion Paper No. 9899
Number of pages: 37 Posted: 25 Apr 2016
Sumit Agarwal, Jia He, Haoming Liu, Ivan P. L. Png, Tien Foo Sing and Wei-Kang Wong
National University of Singapore, Nankai University, National University of Singapore (NUS) - Department of Economics, National University of Singapore (NUS), National University of Singapore (NUS) - Department of Real Estate and National University of Singapore (NUS) - Department of Economics
Downloads 22 (482,572)
Citation 1

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superstition, conspicuous spending, real estate, prices, behavioral economics

33.

Loan Prospecting and the Loss of Soft Information

Journal of Financial Economics (JFE), Forthcoming, Fisher College of Business Working Paper No. 2012-03-07, Charles A. Dice Center Working Paper No. 2012-7
Number of pages: 57 Posted: 26 Apr 2012 Last Revised: 16 Jul 2017
Sumit Agarwal and Itzhak Ben-David
National University of Singapore and Ohio State University (OSU) - Department of Finance
Downloads 253 (69,114)

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loan officers, loan prospecting, information production, banking, soft information, big data, credit default model

34.

Tax Differential and Cross-Border Shopping: Evidence from Singapore

Downloads 248 (111,547)

Tax Differential and Cross-Border Shopping: Evidence from Singapore

Number of pages: 49 Posted: 08 May 2013 Last Revised: 02 Mar 2017
Sumit Agarwal, Souphala Chomsisengphet, Wenlan Qian and Weibiao Xu
National University of Singapore, Office of the Comptroller of the Currency (OCC), National University of Singapore - NUS Business School and National University of Singapore (NUS)
Downloads 200 (137,464)

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Consumption, Spending, Credit Cards, Household Finance, Banks, Discretionary Spending, Fiscal Policy, Tax

Tax Differential and Cross-Border Shopping: Evidence from Singapore

Georgetown McDonough School of Business Research Paper No. 3038550
Number of pages: 41 Posted: 19 Sep 2017 Last Revised: 12 Apr 2018
Sumit Agarwal, Souphala Chomsisengphet, Wenlan Qian and Weibiao Xu
National University of Singapore, Office of the Comptroller of the Currency (OCC), National University of Singapore - NUS Business School and Nankai University - School of Finance
Downloads 48 (367,509)

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Cross Border Shopping, Consumption, Spending, Credit Cards, Household Finance, Banks, Discretionary Spending, Fiscal Policy, Taxation

35.

Why Do Borrowers Make Mortgage Refinancing Mistakes?

Downloads 239 (115,871)
Citation 1

Why Do Borrowers Make Mortgage Refinancing Mistakes?

Forthcoming, Management Science
Number of pages: 46 Posted: 07 Jun 2014 Last Revised: 01 Jun 2015
Sumit Agarwal, Richard J. Rosen and Vincent W. Yao
National University of Singapore, Federal Reserve Bank of Chicago - Economic Research and Georgia State University - J. Mack Robinson College of Business
Downloads 127 (204,056)
Citation 1

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Household Finance, Mortgages, Refinance, Option Value, Financial Crisis, Rational Inattention

Why Do Borrowers Make Mortgage Refinancing Mistakes?

FRB of Chicago Working Paper No. 2013-02
Number of pages: 52 Posted: 04 May 2013
Sumit Agarwal, Richard J. Rosen and Vincent W. Yao
National University of Singapore, Federal Reserve Bank of Chicago - Economic Research and Georgia State University - J. Mack Robinson College of Business
Downloads 112 (224,458)
Citation 1

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Household Finance, Mortgages, Refinance, Option Value, Financial Crisis, Rational Inattention

36.

Holdup by Junior Claimholders: Evidence from the Mortgage Market

Downloads 220 (125,832)
Citation 1

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
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet and Yan Zhang
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 210 (131,228)

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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
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet and Yan Zhang
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 10 (554,717)
Citation 1

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37.

The Information Value of Credit Rating Action Reports: A Textual Analysis

Management Science, 2016, Vol 62 (8), 2218-2240
Number of pages: 50 Posted: 23 Jul 2013 Last Revised: 04 Jan 2017
Sumit Agarwal, Vincent Y. S. Chen and Weina Zhang
National University of Singapore, National University of Singapore and Department of Finance, National University of Singapore
Downloads 217 (62,811)

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Credit Ratings; Credit Rating Agencies; Credit Rating Reports; Linguistic Tone

38.

Loan Commitments and Private Firms

FEDS Working Paper No. 2004-27
Number of pages: 22 Posted: 22 Sep 2004
Sumit Agarwal, Souphala Chomsisengphet and John C. Driscoll
National University of Singapore, Office of the Comptroller of the Currency (OCC) and Federal Reserve Board
Downloads 216 (119,372)
Citation 6

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Bank loan commitment; credit lines, private firms

39.

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
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet and Douglas D. Evanoff
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 213 (99,415)
Citation 8

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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

40.

Why Do Foreign Investors Underperform Domestic Investors in Trading Activities? Evidence from Indonesia

Journal of Financial Markets, Forthcoming
Number of pages: 37 Posted: 01 Feb 2007 Last Revised: 09 Mar 2008
Sumit Agarwal, Sheri Faircloth, S. Ghon Rhee and Chunlin Liu
National University of Singapore, University of Nevada, Reno - College of Business Administration, University of Hawaii - Shidler College of Business and University of Nevada, Reno - College of Business
Downloads 213 (111,547)
Citation 6

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Trading performance, Foreign Investor, Domestic investor, Poor timing of trade hypothesis, Information advantage hypothesis, Aggressive trading hypothesis, Initiated orders, Non-initiated orders, Indonesian stock market

41.

The Term Structure of Lease Rates with Endogenous Default Triggers and Tenant Capital Structure: Theory and Evidence

Number of pages: 39 Posted: 25 May 2009
Sumit Agarwal, Brent W. Ambrose, Henry Hongren Huang and Yildiray Yildirim
National University of Singapore, Pennsylvania State University, National Central University at Taiwan and Zicklin School of Business, Baruch College - The City University of New York
Downloads 212 (116,359)
Citation 3

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leasing valuation, credit risk, endogenous default

42.

Collateral Valuation and Borrower Financial Constraints: Evidence from the Residential Real Estate Market

Downloads 209 (132,143)
Citation 1

Collateral Valuation and Borrower Financial Constraints: Evidence from the Residential Real Estate Market

Number of pages: 47 Posted: 15 Dec 2013
Sumit Agarwal, Itzhak Ben-David and Vincent W. Yao
National University of Singapore, Ohio State University (OSU) - Department of Finance and Georgia State University - J. Mack Robinson College of Business
Downloads 144 (184,295)

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collateral valuation, lending, banks, loans, default, financial crisis

Collateral Valuation and Borrower Financial Constraints: Evidence from the Residential Real Estate Market

Fisher College of Business Working Paper No. 2012-03-011, Charles A. Dice Center Working Paper No. 2012-11
Number of pages: 47 Posted: 02 Jul 2012 Last Revised: 10 Feb 2014
Sumit Agarwal, Itzhak Ben-David and Vincent W. Yao
National University of Singapore, Ohio State University (OSU) - Department of Finance and Georgia State University - J. Mack Robinson College of Business
Downloads 59 (333,226)
Citation 1

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collateral valuation, institutional pressure, lending, banks, loans, default, financial crisis

Collateral Valuation and Borrower Financial Constraints: Evidence from the Residential Real Estate Market

NBER Working Paper No. w19606
Number of pages: 51 Posted: 01 Nov 2013
Sumit Agarwal, Itzhak Ben-David and Vincent W. Yao
National University of Singapore, Ohio State University (OSU) - Department of Finance and Georgia State University - J. Mack Robinson College of Business
Downloads 6 (577,655)

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43.

Benefits of Relationship Banking: Evidence from Consumer Credit Markets

Downloads 204 (135,180)
Citation 8

Benefits of Relationship Banking: Evidence from Consumer Credit Markets

FRB of Chicago Working Paper No. 2010-05
Number of pages: 45 Posted: 24 Jul 2010
Sumit Agarwal, Souphala Chomsisengphet, Chunlin Liu and Nicholas S. Souleles
National University of Singapore, Office of the Comptroller of the Currency (OCC), University of Nevada, Reno - College of Business and University of Pennsylvania - Finance Department
Downloads 156 (172,193)
Citation 8

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Relationship Banking; Credit Cards, Consumer Credit, Deposits, Investments

Benefits of Relationship Banking: Evidence from Consumer Credit Markets

Number of pages: 50 Posted: 19 Mar 2009 Last Revised: 19 Sep 2017
Sumit Agarwal, Souphala Chomsisengphet, Chunlin Liu, Changcheng Song and Nicholas S. Souleles
National University of Singapore, Office of the Comptroller of the Currency (OCC), University of Nevada, Reno - College of Business, National University of Singapore (NUS) and University of Pennsylvania - Finance Department
Downloads 48 (367,509)
Citation 8

Abstract:

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Relationship Banking, Credit Cards, Consumer Credit, Deposits, Investments, Household Finance

Benefits of Relationship Banking: Evidence from Consumer Credit Markets

Posted: 31 Jul 2009 Last Revised: 16 Sep 2017
Sumit Agarwal, Souphala Chomsisengphet, Chunlin Liu and Nicholas S. Souleles
National University of Singapore, Office of the Comptroller of the Currency (OCC), University of Nevada, Reno - College of Business and University of Pennsylvania - Finance Department

Abstract:

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Relationship Banking, Credit Cards, Consumer Credit, Deposits, Investments, Household Finance

44.

Age of Decision: Pension Savings Withdrawal and Consumption and Debt Response

Number of pages: 56 Posted: 28 Aug 2014 Last Revised: 24 Apr 2018
Sumit Agarwal, Jessica Pan and Wenlan Qian
National University of Singapore, National University of Singapore (NUS) and National University of Singapore - NUS Business School
Downloads 189 (77,584)

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Aging, Pension Savings, Consumption, Spending, Debt, Credit Cards, Household Finance, Banks, Loans, Durable Goods, Discretionary Spending, Liquidity Constraints, Credit Constraints

45.

Rationality in the Consumer Credit Market: Choosing between Alternative and Mainstream Credit

Posted: 03 Jan 2012 Last Revised: 26 Jul 2017
Sumit Agarwal and Marieke Bos
National University of Singapore and Swedish House of Finance - Stockholm School of Economics

Abstract:

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Consumer credit, Lending policy, Pawn lending, Consumer rationality

46.

The Efficiency of Internal Capital Markets: Evidence from the Annual Capital Expenditure Survey

US Census Bureau Center for Economic Studies Paper No. CES-WP-08-08
Number of pages: 40 Posted: 18 Mar 2008 Last Revised: 10 Oct 2012
Sumit Agarwal, I-Ming Chiu, Victor Souphom and Guy Yamashiro
National University of Singapore, Rutgers, The State University of New Jersey - Rutgers University, Camden, U.S. Census Bureau - Center for Economic Studies and California State University, Long Beach - Department of Economics
Downloads 186 (138,995)

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Internal Capital Allocation, Diversified Firm, Investment

47.

Consumer Bankruptcy and Default: The Role of Individual Social Capital

Journal of Economic Psychology, Forthcoming
Number of pages: 37 Posted: 23 May 2009 Last Revised: 30 Nov 2010
Sumit Agarwal, Souphala Chomsisengphet and Chunlin Liu
National University of Singapore, Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business
Downloads 181 (126,387)
Citation 5

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Social Capital, Consumer Bankruptcy, Default, Credit Risk, Credit Cards, Banking

48.

Asymmetric Information in Dynamic Contract Settings: Evidence from the Home Equity Credit Market

Number of pages: 53 Posted: 02 Oct 2007
Sumit Agarwal, Brent W. Ambrose, Souphala Chomsisengphet and Chunlin Liu
National University of Singapore, Pennsylvania State University, Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business
Downloads 166 (153,325)
Citation 1

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Asymmetric Information, Contract Frictions, Screening, Banking, Home Equity Lending

49.

Do Forbearance Plans Help Mitigate Credit Card Losses?

Number of pages: 22 Posted: 08 Jul 2005 Last Revised: 17 Jan 2008
Sumit Agarwal, Souphala Chomsisengphet and Lawrence Mielnicki
National University of Singapore, Office of the Comptroller of the Currency (OCC) and De Lage Landen Financial Services
Downloads 155 (166,506)

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Credit card default, forbearance, loss mitigation, hazard models

50.

The Asset-Backed Securities Markets, the Crisis, and TALF

Economic Perspectives, Vol. 34, No. 4, 2010, FRB of Chicago Working Paper
Number of pages: 15 Posted: 18 Dec 2010
Sumit Agarwal, Jacqueline Barrett, Crystal Cun and Mariacristina De Nardi
National University of Singapore, affiliation not provided to SSRN, affiliation not provided to SSRN and University College London, Economics Dpt.
Downloads 151 (118,344)
Citation 1

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securitization, credit crises, TALF

51.

Systemic Risk and Heavy Tails: The Case of Banks’ Loan Portfolio

Number of pages: 26 Posted: 18 Mar 2011
Sumit Agarwal and Hamid Mohtadi
National University of Singapore and University of Wisconsin - Milwaukee
Downloads 147 (158,087)

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Systemic Risk, Heavy Tails, Capital Adequacy, Bank Regulation, Financial Institutions

52.

Adverse Selection in the Credit Card Market: Evidence from Randomized Trials of Credit Card Solicitations

Journal of Money, Credit and Banking, Forthcoming
Number of pages: 18 Posted: 01 Apr 2010
Sumit Agarwal, Souphala Chomsisengphet and Chunlin Liu
National University of Singapore, Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business
Downloads 146 (133,386)
Citation 2

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Household Finance, Adverse Selection, Credit Cards, Consumer Credit, Information Asymmetry

53.

Impact of Electronic Road Pricing on Real Estate Prices in Singapore

Number of pages: 34 Posted: 02 May 2014 Last Revised: 16 Aug 2017
Sumit Agarwal, Kang Mo Koo and Tien Foo Sing
National University of Singapore, Deakin University-Department of Finance and National University of Singapore (NUS) - Department of Real Estate
Downloads 141 (93,162)

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Congestion Tax, Traffic Management, Electric Road Pricing (ERP), Externality Effect, Real Estate Prices

54.

The Subprime Virus: Theory and Evidence

Number of pages: 36 Posted: 21 May 2010 Last Revised: 03 Feb 2011
Sumit Agarwal, Brent W. Ambrose and Yildiray Yildirim
National University of Singapore, Pennsylvania State University and Zicklin School of Business, Baruch College - The City University of New York
Downloads 134 (165,656)

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Subprime, Default, Portfolio Risk

55.

Thy Neighbor's Mortgage: Does Living in a Subprime Neighborhood Impact Your Probability of Default?

Number of pages: 31 Posted: 21 Apr 2010
Sumit Agarwal, Brent W. Ambrose, Souphala Chomsisengphet and Anthony B. Sanders
National University of Singapore, Pennsylvania State University, Office of the Comptroller of the Currency (OCC) and George Mason University - School of Business
Downloads 133 (187,019)
Citation 3

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Subprime mortgages, default, house price appreciation, Externalities

56.

Authority and Information

AFA 2011 Denver Meetings Paper
Number of pages: 37 Posted: 06 Mar 2010 Last Revised: 16 Mar 2011
Sumit Agarwal and Robert B. H. Hauswald
National University of Singapore and American University - Department of Finance and Real Estate
Downloads 129 (136,418)
Citation 1

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Information, Authority, Small Business Lending, Banking, Soft Information

57.

Are Singaporean Cabdrivers Target Earners?

Number of pages: 43 Posted: 11 Oct 2013 Last Revised: 27 Mar 2015
Sumit Agarwal, Mi Diao, Jessica Pan and Tien Foo Sing
National University of Singapore, National University of Singapore (NUS) - Department of Real Estate, National University of Singapore (NUS) and National University of Singapore (NUS) - Department of Real Estate
Downloads 123 (95,700)

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Labor Supply, Reference Dependent Preferences, Cab Drivers

58.

Homebuilders, Affiliated Financing Arms and the Mortgage Crisis

Downloads 120 (212,310)
Citation 1

Homebuilders, Affiliated Financing Arms and the Mortgage Crisis

Number of pages: 17 Posted: 31 Oct 2011
Sumit Agarwal, Gene Amromin, Claudine Madras Gartenberg, Anna L. Paulson and Sriram V. Villupuram
National University of Singapore, Federal Reserve Bank of Chicago, New York University (NYU) - Leonard N. Stern School of Business, Federal Reserve Bank of Chicago and University of Texas at Arlington - Department of Finance and Real Estate
Downloads 72 (299,270)
Citation 1

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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
Sumit Agarwal, Gene Amromin, Claudine Madras Gartenberg, Anna L. Paulson and Sriram V. Villupuram
National University of Singapore, Federal Reserve Bank of Chicago, New York University (NYU) - Leonard N. Stern School of Business, Federal Reserve Bank of Chicago and University of Texas at Arlington - Department of Finance and Real Estate
Downloads 48 (367,509)
Citation 1

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

59.

How Does Financial Literacy Affect Mortgage Default?

Downloads 110 (226,268)

How Does Financial Literacy Affect Mortgage Default?

Number of pages: 48 Posted: 02 May 2015 Last Revised: 25 Jan 2017
Sumit Agarwal, Souphala Chomsisengphet and Yunqi Zhang
National University of Singapore, Office of the Comptroller of the Currency (OCC) and School of Finance, Nankai University
Downloads 110 (227,450)

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financial literacy, mortgages, financial crisis, household finance

How Does Working in a Finance Profession Affect Mortgage Delinquency?

Journal of Banking and Finance, Forthcoming, Georgetown McDonough School of Business Research Paper No. 2904846
Posted: 25 Jan 2017
Sumit Agarwal, Souphala Chomsisengphet and Yunqi Zhang
National University of Singapore, Office of the Comptroller of the Currency (OCC) and School of Finance, Nankai University

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Mortgage, Financial crisis, Household finance, Financial professional

60.

Dismissal with Prejudice? Race and Politics in Personal Bankruptcy

5th Annual Conference on Empirical Legal Studies Paper
Number of pages: 41 Posted: 01 Jul 2010 Last Revised: 08 Nov 2012
Sumit Agarwal, Souphala Chomsisengphet, Robert McMenamin and Paige Marta Skiba
National University of Singapore, Office of the Comptroller of the Currency (OCC), Federal Reserve Bank of Chicago - Economic Research and Vanderbilt University - Law School
Downloads 110 (226,268)
Citation 1

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Personal Bankruptcy, Household Finance, Judges, Discrimination, Law and Economics

61.

Liquidity Dynamics between REIT and Property Markets

27th Australasian Finance and Banking Conference 2014 Paper
Number of pages: 59 Posted: 07 Feb 2014 Last Revised: 20 Aug 2014
Sumit Agarwal and Maggie Rong Hu
National University of Singapore and Chinese University of Hong Kong
Downloads 106 (166,506)

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real estate investment trust, liquidity, property market, VAR model

62.

The Impact of Homeowners' Housing Wealth Misestimation on Consumption and Saving Decisions

Downloads 104 (235,366)
Citation 9

The Impact of Homeowners' Housing Wealth Misestimation on Consumption and Saving Decisions

Number of pages: 32 Posted: 06 Jun 2006
Sumit Agarwal
National University of Singapore
Downloads 75 (292,182)
Citation 9

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House Value, Home Equity, Consumption and Savings, Consumer Credit, Prepayment and Default

The Impact of Homeowners' Housing Wealth Misestimation on Consumption and Saving Decisions

Real Estate Economics, Vol. 35, No. 2, pp. 135-154, Summer 2007
Number of pages: 20 Posted: 24 May 2007
Sumit Agarwal
National University of Singapore
Downloads 29 (443,791)
Citation 9
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The Impact of Homeowners' Housing Wealth Misestimation on Consumption and Saving Decisions

Real Estate Economics, Forthcoming
Posted: 25 Jul 2006
Sumit Agarwal
National University of Singapore

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House Value, Home Equity, Consumption and Saving, Consumer Credit, Prepayment and Default

63.

The Political Economy of Bank Lending: Evidence from an Emerging Market

World Bank Policy Research Working Paper No. 7577
Number of pages: 57 Posted: 20 Apr 2016
Sumit Agarwal, Bernardo Morais, Claudia Ruiz Ortega and Colin Zhang
National University of Singapore, Board of Governors of the Federal Reserve System, World Bank - Development Research Group (DECRG) and National University of Singapore (NUS)
Downloads 100 (241,778)

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Debt Markets, Banks & Banking Reform, Access to Finance, Microfinance, Bankruptcy and Resolution of Financial Distress

64.

Gender Gap in Personal Bankruptcy Risks: Empirical Evidence from Singapore

Review of Finance, Forthcoming, 27th Australasian Finance and Banking Conference 2014 Paper
Number of pages: 55 Posted: 22 Oct 2013 Last Revised: 07 Oct 2016
Sumit Agarwal, Jia He, Tien Foo Sing and Jian Zhang
National University of Singapore, Nankai University, National University of Singapore (NUS) - Department of Real Estate and Hong Kong Baptist University (HKBU) - Department of Finance and Decision Sciences
Downloads 99 (146,637)

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Personal Bankruptcy, Gender, Risk Aversion, Household Finance

65.

Banking Competition and Shrouded Attributes: Evidence from the US Mortgage Market

Georgetown McDonough School of Business Research Paper No. 2900287
Number of pages: 57 Posted: 16 Jan 2017 Last Revised: 27 Nov 2017
Sumit Agarwal, Changcheng Song and Vincent W. Yao
National University of Singapore, National University of Singapore (NUS) and Georgia State University - J. Mack Robinson College of Business
Downloads 97 (246,863)

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Deregulation; competition; shrouding; behavioral bias

66.

Access to Home Equity and Consumption: Evidence from a Policy Experiment

Number of pages: 47 Posted: 19 Jun 2013 Last Revised: 30 Sep 2015
Sumit Agarwal and Wenlan Qian
National University of Singapore and National University of Singapore - NUS Business School
Downloads 97 (61,762)

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Consumption, Spending, Debt, Credit Cards, Home Equity, Household Finance, Banks, Loans, Durable Goods, Discretionary Spending, Precautionary Savings, Credit Constraints

67.

Consumption Responses to Temporary Tax Incentives: Evidence from State Sales Holidays

Number of pages: 53 Posted: 20 Nov 2012 Last Revised: 14 Jun 2013
Sumit Agarwal, Nathan Marwell and Leslie McGranahan
National University of Singapore, University of Wisconsin - Madison and Federal Reserve Bank of Chicago
Downloads 94 (109,356)

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Consumption, State Sales Tax Holidays, Back to School, Credit Cards, Household Finance, Shopping, Spending

68.

Joint Liability Lending and Credit Risk: Evidence from the Home Equity Market

Number of pages: 19 Posted: 02 Aug 2010
Sumit Agarwal, Brent W. Ambrose, Souphala Chomsisengphet and Chunlin Liu
National University of Singapore, Pennsylvania State University, Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business
Downloads 88 (210,983)

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Consumer Credit, Mortgages, Micro-finance, Information Asymmetry, household finance

69.

Timing to the Statement: Understanding Fluctuations in Consumer Credit Use

Number of pages: 39 Posted: 10 Dec 2012 Last Revised: 27 Jun 2013
Sumit Agarwal, Amit Bubna and Molly Lipscomb
National University of Singapore, Indian School of Business and Batten School of Public Policy
Downloads 84 (214,999)
Citation 1

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Household Finance, Banking, Debit Card, Credit Cards, Consumer Behavior, Consumer Rationality, Bounded Rationality, Mental Accounting

70.

The Composition Effect of Consumption around Retirement: Evidence from Singapore

Number of pages: 18 Posted: 01 Nov 2014
Sumit Agarwal, Jessica Pan and Wenlan Qian
National University of Singapore, National University of Singapore (NUS) and National University of Singapore - NUS Business School
Downloads 80 (135,770)

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Life Cycle, Aging, Pension Savings, Consumption, Spending, Debt, Credit Cards, Household Finance, Banks, Loans, Durable Goods, Discretionary Spending, Liquidity Constraints, Credit Constraints

71.

Are Sovereign Credit Rating Reports Valuable?

Number of pages: 54 Posted: 18 Nov 2014 Last Revised: 17 Jul 2017
Sumit Agarwal, Vincent Y. S. Chen, Geoffrey Sim and Weina Zhang
National University of Singapore, National University of Singapore, Credit Suisse and Department of Finance, National University of Singapore
Downloads 79 (173,843)

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Eurozone Sovereign Debt Crisis, Linguistic Tone, Naïve Bayesian Algorithm, Sovereign Credit Default Swaps, Sovereign Credit Rating Reports

72.

Does it Pay to Read Your Junk Mail? Evidence of the Effect of Advertising on Home Equity Credit Choices

FRB of Chicago Working Paper No. 2008-09
Number of pages: 60 Posted: 17 Nov 2008 Last Revised: 14 Dec 2008
Sumit Agarwal and Brent W. Ambrose
National University of Singapore and Pennsylvania State University
Downloads 76 (253,756)
Citation 2

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Persuasion, Advertising, Contract Choice, Home-equity Lending

73.

Systematic Mistakes in the Mortgage Market and Lack of Financial Sophistication

Journal of Financial Economics (JFE), Forthcoming, Charles A. Dice Working Paper No. 2016-09, Fisher College of Business Working Paper No. 2016-03-9
Number of pages: 45 Posted: 12 Jan 2015 Last Revised: 23 Jun 2016
Sumit Agarwal, Itzhak Ben-David and Vincent W. Yao
National University of Singapore, Ohio State University (OSU) - Department of Finance and Georgia State University - J. Mack Robinson College of Business
Downloads 69 (77,316)

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Discount points, mortgage decision making, refinancing, leverage, financial literacy, household finance, inattentiveness

74.

The Hidden Peril: The Role of the Condo Loan Market in the Recent Financial Crisis

Number of pages: 48 Posted: 08 Nov 2012 Last Revised: 07 May 2014
Sumit Agarwal, Yongheng Deng, Chenxi Luo and Wenlan Qian
National University of Singapore, University of Wisconsin - Madison - School of Business, National University of Singapore (NUS) - Department of Real Estate and National University of Singapore - NUS Business School
Downloads 65 (230,706)

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Financial Crisis, Condo Market, Default, Mortgages, Household Finance, Investors, Speculators, Subprime Mortgages

75.

A Simple Framework for Estimating Consumer Benefits from Regulating Hidden Fees

Number of pages: 15 Posted: 04 Oct 2014
Sumit Agarwal, Souphala Chomsisengphet, Neale Mahoney and Johannes Stroebel
National University of Singapore, Office of the Comptroller of the Currency (OCC), University of Chicago Booth School of Business and New York University (NYU)
Downloads 63 (181,768)
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Consumer Financial Regulation, Fees, Hidden Fees, Waterbed Effect, CARD Act, Airline baggage fees

76.

To Give or Not to Give? Government Guarantees, Bank Ownership & Banking Stability

Number of pages: 45 Posted: 25 Jul 2015 Last Revised: 17 Sep 2015
Sumit Agarwal and Dulani Jayasuriya
National University of Singapore and National University of Singapore
Downloads 60 (325,963)

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Bank Stability, Government guarantees, Bank Ownership, Market Discipline

77.

The Role of Soft Information in a Dynamic Contract Setting: Evidence from the Home Equity Credit Market

Journal of Money, Credit, and Banking, Forthcoming
Number of pages: 34 Posted: 11 Nov 2010
Sumit Agarwal, Brent W. Ambrose, Souphala Chomsisengphet and Chunlin Liu
National University of Singapore, Pennsylvania State University, Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business
Downloads 59 (310,418)
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Information, Contract Frictions, Screening, Banking, Home Equity Lending

78.

Effects of Construction Activities on Residential Electricity Consumption: Evidence from Singapore's Public Housing Estates

Number of pages: 37 Posted: 25 Dec 2013 Last Revised: 24 Nov 2015
Sumit Agarwal, Satyanarain Rengarajan, Tien Foo Sing and Derek Vollmer
National University of Singapore, National University of Singapore, National University of Singapore (NUS) - Department of Real Estate and Future Cities Laboratory
Downloads 58 (214,999)

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Electricity Consumption, Negative Externalities, Construction Activities, Public Housing, Demand for Comfort

79.

The Geography of Consumption

Downloads 56 (336,991)

The Geography of Consumption

Number of pages: 46 Posted: 18 Jul 2017
Sumit Agarwal, J. Bradford Jensen and Ferdinando Monte
National University of Singapore, Georgetown University - Department of Strategy/Economics/Ethics/Public Policy and Georgetown University - Robert Emmett McDonough School of Business
Downloads 45 (377,775)

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Geography, Consumption, Household Finance, Spending, Credit Cards, Consumer Credit, Gravity Model

The Geography of Consumption

NBER Working Paper No. w23616
Number of pages: 45 Posted: 25 Jul 2017
Sumit Agarwal, J. Bradford Jensen and Ferdinando Monte
National University of Singapore, Georgetown University - Department of Strategy/Economics/Ethics/Public Policy and Georgetown University - Robert Emmett McDonough School of Business
Downloads 11 (548,840)
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The Geography of Consumption

CEPR Discussion Paper No. DP12150
Number of pages: 63 Posted: 18 Jul 2017 Last Revised: 11 Jun 2018
Sumit Agarwal, J. Bradford Jensen and Ferdinando Monte
National University of Singapore, Georgetown University - Department of Strategy/Economics/Ethics/Public Policy and Georgetown University - Robert Emmett McDonough School of Business
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80.

Collateral Pledge, Sunk-Cost Fallacy and Mortgage Default

Number of pages: 37 Posted: 07 Jun 2014 Last Revised: 11 Aug 2014
Sumit Agarwal, Richard K. Green, Eric Rosenblatt and Vincent W. Yao
National University of Singapore, University of Southern California - Lusk Center for Real Estate, Federal National Mortgage Association (Fannie Mae) - Research and Georgia State University - J. Mack Robinson College of Business
Downloads 54 (270,468)

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Household Finance, Mortgages, Collateral, Option Value, Financial Crisis, Sunk Cost

81.

Loan Prospecting and the Loss of Soft Information

NBER Working Paper No. w19945
Number of pages: 57 Posted: 03 Mar 2014
Sumit Agarwal and Itzhak Ben-David
National University of Singapore and Ohio State University (OSU) - Department of Finance
Downloads 46 (367,637)
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82.

How Do Private Firms Use Credit Lines?

Economic Perspectives, Vol. 35, No. 2, p. 71, 2011
Number of pages: 9 Posted: 24 May 2011
Sumit Agarwal, Souphala Chomsisengphet and John C. Driscoll
National University of Singapore, Office of the Comptroller of the Currency (OCC) and Federal Reserve Board
Downloads 43 (355,009)
Citation 1

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bank loan commitment, credit lines, private firms, financial economics

83.

The Effects and Limits of Regulation: Appraisal Bias in the Mortgage Market

Number of pages: 44 Posted: 21 Dec 2014 Last Revised: 18 Apr 2017
Sumit Agarwal, Brent W. Ambrose and Vincent W. Yao
National University of Singapore, Pennsylvania State University and Georgia State University - J. Mack Robinson College of Business
Downloads 42 (159,686)

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mortgages, valuation, financial crisis, regulations, appraisal bias

84.

Time Preferences, Mortgage Choice and Mortgage Default

Number of pages: 42 Posted: 11 Jun 2014 Last Revised: 14 Sep 2014
Sumit Agarwal, Yongheng Deng and Jia He
National University of Singapore, University of Wisconsin - Madison - School of Business and Nankai University
Downloads 42 (293,712)

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Mortgage default, mortgage choice, heterogeneity, present-biased preference, dynamic inconsistency

85.

Financial Decision Making When Buying and Owning a Home

Number of pages: 40 Posted: 21 Sep 2014
Sumit Agarwal, Crocker Herbert Liu, Walter N. Torous and Vincent W. Yao
National University of Singapore, Cornell University - School of Hotel Administration, Massachusetts Institute of Technology and Georgia State University - J. Mack Robinson College of Business
Downloads 41 (187,019)

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Household Finance, Mortgages, Refinance, Option Value, Financial Crisis

86.

Beyond Race and Gender: Financial Access to Low and Moderate Income Households

Number of pages: 21 Posted: 11 Apr 2011
Sumit Agarwal, Souphala Chomsisengphet and Chau Do
National University of Singapore, 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 39 (345,940)

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Household Finance, Banking, LMI Borrowers, Checking Accounts, Overdraft

87.

Soft Liquidity Constraints and Consumption: Evidence from Macro Prudential Policy in Turkey

Number of pages: 50 Posted: 26 Feb 2015 Last Revised: 13 Dec 2017
Sumit Agarwal, Muris Hadzic, Changcheng Song and Yildiray Yildirim
National University of Singapore, Whitman School of Management, Syracuse University, National University of Singapore (NUS) and Zicklin School of Business, Baruch College - The City University of New York
Downloads 35 (216,338)

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Liquidity Constraints, Credit Constraints, Consumption, Spending, Debt, Credit Cards, Household Finance, Fiscal Policy.

88.

School Allocation Rules and Housing Prices: A Quasi-Experiment with School Relocation Events in Singapore

Number of pages: 46 Posted: 19 Jan 2014 Last Revised: 30 Mar 2017
Sumit Agarwal, Satyanarain Rengarajan, Tien Foo Sing and Yang Yang
National University of Singapore, National University of Singapore, National University of Singapore (NUS) - Department of Real Estate and National University of Singapore (NUS) - Department of Real Estate
Downloads 35 (183,851)

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School allocation policies, school relocation events, prioritization rule, private housing market, public housing market

89.

Rushing into the American Dream? House Prices Growth and the Timing of Homeownership

FRB of Chicago Working Paper No. 2013-13
Number of pages: 54 Posted: 14 Dec 2013 Last Revised: 10 May 2016
Sumit Agarwal, Luojia Hu and Xing Huang
National University of Singapore, Federal Reserve Bank of Chicago and Washington University in St. Louis - Olin Business School
Downloads 30 (264,658)

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Housing, Homeownership, Consumer Finance, Credit Constraints, Life Cycle

90.

Why Do Real Estate Agents Buy Houses at Lower Prices? Cherry Picking or Bargaining Power

Number of pages: 47 Posted: 02 Apr 2015 Last Revised: 10 Jan 2016
Sumit Agarwal, Jia He, Tien Foo Sing and Changcheng Song
National University of Singapore, Nankai University - School of Economics, National University of Singapore (NUS) - Department of Real Estate and National University of Singapore (NUS)
Downloads 27 (190,309)

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Housing market, Real estate agents, Information Advantages, Cherry Picking, Bargaining Power, Agency Problem, Market Distortion

91.

Nudges of School Children and Electricity Conservation: Evidence from the 'Project Carbon Zero' Campaign in Singapore

Number of pages: 37 Posted: 22 Nov 2014 Last Revised: 18 Oct 2016
Sumit Agarwal, Satyanarain Rengarajan, Tien Foo Sing and Yang Yang
National University of Singapore, National University of Singapore, National University of Singapore (NUS) - Department of Real Estate and National University of Singapore (NUS) - Department of Real Estate
Downloads 27 (272,444)

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Energy conservation; Behavioral Intervention; Peer effects; Income Effect; Selective intervention

92.

The Impact of Housing Credit on Personal Bankruptcy

Number of pages: 62 Posted: 02 Apr 2015 Last Revised: 26 Nov 2017
Sumit Agarwal and Changcheng Song
National University of Singapore and National University of Singapore (NUS)
Downloads 23 (248,559)

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Personal Bankruptcy, Housing Market, Housing Credit Policy, Loan-to-Value Ratio, Household Finance, Real Estate

93.

An Empirical Analysis of Information Asymmetry in Home Equity Lending

Journal of Financial Services Research, Forthcoming
Number of pages: 33 Posted: 09 Mar 2015
Sumit Agarwal, Souphala Chomsisengphet and Chunlin Liu
National University of Singapore, Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business
Downloads 22 (358,125)

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Asymmetric information, Adverse selection, Moral hazard, banking, Home equity lending

94.

Gender Difference and Intra-Household Economic Power in Mortgage Signing Order

Journal of Financial Intermediation, Forthcoming
Number of pages: 48 Posted: 12 Jun 2015 Last Revised: 20 Jan 2018
Sumit Agarwal, Richard K. Green, Eric Rosenblatt, Vincent W. Yao and Jian Zhang
National University of Singapore, University of Southern California - Lusk Center for Real Estate, Federal National Mortgage Association (Fannie Mae) - Research, Georgia State University - J. Mack Robinson College of Business and Hong Kong Baptist University (HKBU) - Department of Finance and Decision Sciences
Downloads 16 (278,506)

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Gender Difference, Economic Power, Mortgage Application, Household Finance

95.

Impact of Electronic Road Pricing (ERP) Changes on Transport Modal Choice

Regional Science and Urban Economics, Vol. 60, 2016
Number of pages: 30 Posted: 09 Aug 2015 Last Revised: 07 May 2018
Sumit Agarwal and Kang Mo Koo
National University of Singapore and Deakin University-Department of Finance
Downloads 11 (188,142)

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Congestion Charge, Traffic Management, Electric Road Pricing (ERP), Transport Modal Choice

96.

Effects of Government Bailouts on Mortgage Modification

Georgetown McDonough School of Business Research Paper No. 2479349
Number of pages: 52 Posted: 13 Aug 2014 Last Revised: 22 Jun 2017
Sumit Agarwal and Yunqi Zhang
National University of Singapore and School of Finance, Nankai University
Downloads 8 (403,482)

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loan modification, financial crisis, mortgage, TARP, government intervention, liquidity

97.

Loan Product Steering in Mortgage Markets

NBER Working Paper No. w22696
Number of pages: 46 Posted: 03 Oct 2016
Sumit Agarwal, Gene Amromin, Itzhak Ben-David and Douglas D. Evanoff
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance and Federal Reserve Bank of Chicago
Downloads 6 (552,704)
Citation 1
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98.

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
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet and Douglas D. Evanoff
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 6 (547,700)

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99.

Thy Neighbor’s Mortgage: Does Living in a Subprime Neighborhood Affect One’s Probability of Default?

Real Estate Economics, Vol. 40, Issue 1, pp. 1-22, 2012
Posted: 21 Feb 2012
Sumit Agarwal, Brent W. Ambrose, Souphala Chomsisengphet and Anthony B. Sanders
National University of Singapore, Pennsylvania State University, Office of the Comptroller of the Currency (OCC) and George Mason University - School of Business
Downloads 1 (587,202)
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100.

Does the Relative Income of Peers Cause Financial Distress? Evidence from Lottery Winners and Neighboring Bankruptcies

FRB of Philadelphia Working Paper No. 18-16
Number of pages: 83 Posted: 08 Jun 2018
Sumit Agarwal, Vyacheslav Mikhed and Barry Scholnick
National University of Singapore, Federal Reserve Bank of Philadelphia and University of Alberta - Department of Marketing, Business Economics & Law
Downloads 0 (505,073)

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financial distress, social comparisons among peers

101.

The Political Economy of Loan Modification

Number of pages: 47 Posted: 29 May 2018
Sumit Agarwal, Kristopher Gerardi and Vincent W. Yao
National University of Singapore, Federal Reserve Bank of Atlanta and Georgia State University - J. Mack Robinson College of Business
Downloads 0 (411,360)

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Political Economy, Financial Crisis, Loan Modification, Mortgages, Dodd-Frank Act

102.

Commute Time and Labor Supply

Number of pages: 53 Posted: 07 May 2018 Last Revised: 16 Jun 2018
Sumit Agarwal, Elvira Sojli and Wing Wah Tham
National University of Singapore, UNSW Business School, School of Banking and Finance and University of New South Wales (UNSW)
Downloads 0 (563,039)

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Commute time, labor supply, elasticity, task juggling, trains, buses, big data

103.

Fickle Fingers: Ride-Hail Surge Factors and Taxi Bookings

Number of pages: 26 Posted: 25 Apr 2018
Sumit Agarwal, Ben Charoenwong, Shih-Fen Cheng and Jussi Keppo
National University of Singapore, National University of Singapore, Singapore Management University - School of Information Systems and National University of Singapore - NUS Business School
Downloads 0 (462,172)

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transportation economics, surge pricing, consumer behavior

104.

Disguised Corruption: Evidence from Consumer Credit in China

Number of pages: 64 Posted: 13 Apr 2018
Sumit Agarwal, Wenlan Qian, Amit Seru and Jian Zhang
National University of Singapore, National University of Singapore - NUS Business School, Stanford University and Hong Kong Baptist University (HKBU) - Department of Finance and Decision Sciences
Downloads 0 (163,023)

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Corruption, Credit cards, Household Finance, Government, Bureaucrats, Debt, Bankruptcy

105.

Workplace Flexibility and Entrepreneurship

Georgetown McDonough School of Business Research Paper No. 3136792
Number of pages: 38 Posted: 13 Mar 2018
Sumit Agarwal, Tien Foo Sing, Changcheng Song and Jian Zhang
National University of Singapore, National University of Singapore (NUS) - Department of Real Estate, National University of Singapore (NUS) and Hong Kong Baptist University (HKBU) - Department of Finance and Decision Sciences
Downloads 0 (149,530)

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Entrepreneurship, Home-Base Work, Experimentation

106.

Roads and Loans

Number of pages: 63 Posted: 23 Jan 2018 Last Revised: 12 Jun 2018
Sumit Agarwal, Abhiroop Mukherjee and S Lakshmi Naaraayanan
National University of Singapore, Hong Kong University of Science & Technology (HKUST) - Department of Finance and Hong Kong University of Science & Technology (HKUST) - Department of Finance
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Belt and Road Initiative, Bank Lending, Household Finance, India, Economic Development

107.

Are Green Buildings Really 'Greener'? Energy Efficiency of Green Mark Certified Buildings in Singapore

Number of pages: 65 Posted: 20 Dec 2017 Last Revised: 16 Jan 2018
Sumit Agarwal, Tien Foo Sing and Yang Yang
National University of Singapore, National University of Singapore (NUS) - Department of Real Estate and National University of Singapore (NUS) - Department of Real Estate
Downloads 0 (467,461)

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Energy and Environment, Electric Utilities, Residential Market, Air Pollution

108.

Environmental Regulation as a Double-Edged Sword for Housing Markets: Evidence From the NOx Budget Trading Program

Georgetown McDonough School of Business Research Paper No. 3075855
Number of pages: 61 Posted: 05 Dec 2017
Sumit Agarwal, Yongheng Deng and Teng Li
National University of Singapore, University of Wisconsin - Madison - School of Business and Institute of Real Estate Studies
Downloads 0 (532,131)

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NOx Budget Trading Program, Air pollution, House prices, Manufacturing intensity

109.

Relational Contracts, Reputational Concerns, and Appraiser Behavior: Evidence from the Housing Market

Georgetown McDonough School of Business Research Paper No. 3076944
Number of pages: 47 Posted: 29 Nov 2017
Sumit Agarwal, Changcheng Song and Vincent W. Yao
National University of Singapore, National University of Singapore (NUS) and Georgia State University - J. Mack Robinson College of Business
Downloads 0 (441,757)

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relational contracts; appraiser; bunching; reputational concern; moral hazard; third party

110.

Do People Consume More on Sunny Days? Evidence from Credit Card Spending Data

Georgetown McDonough School of Business Research Paper No. 3014541, Columbia Business School Research Paper No. 17-104
Number of pages: 42 Posted: 23 Oct 2017 Last Revised: 24 Apr 2018
Sumit Agarwal, Souphala Chomsisengphet, Stephan Meier and Xin Zou
National University of Singapore, Office of the Comptroller of the Currency (OCC), Columbia University - Columbia Business School and Hong Kong Baptist University (HKBU)
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Consumption, Sunshine, Credit Cards, Household Finance, Mood

111.

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
Sumit Agarwal, Gene Amromin, Itzhak Ben-David and Serdar Dinc
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance and Rutgers University
Downloads 0 (123,631)
Citation 1

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

112.

Public Transit Riders’ Preferences: Evidence from Smart Card Transactions in Singapore

Georgetown McDonough School of Business Research Paper No. 3036259
Number of pages: 38 Posted: 15 Sep 2017 Last Revised: 09 May 2018
Sumit Agarwal, Mi Diao, Jussi Keppo and Tien Foo Sing
National University of Singapore, National University of Singapore (NUS) - Department of Real Estate, National University of Singapore - NUS Business School and National University of Singapore (NUS) - Department of Real Estate
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Travel time, reliability, transport mode, smart city, big data

113.

Consumption Response to Temporary Price Shock: Evidence from Singapore's Annual Sale Event

Georgetown McDonough School of Business Research Paper No. 3035787
Number of pages: 42 Posted: 14 Sep 2017 Last Revised: 07 Oct 2017
Sumit Agarwal, Kang Mo Koo and Wenlan Qian
National University of Singapore, Deakin University-Department of Finance and National University of Singapore - NUS Business School
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Consumption, Great Singapore Sale, credit card, debit card, household finance, spending, transitory shocks, fiscal stimulus program

114.

Dragon Babies

Georgetown McDonough School of Business Research Paper No. 3032575
Number of pages: 59 Posted: 08 Sep 2017 Last Revised: 18 Nov 2017
Sumit Agarwal, Wenlan Qian, Tien Foo Sing and Poh Lin Tan
National University of Singapore, National University of Singapore - NUS Business School, National University of Singapore (NUS) - Department of Real Estate and National University of Singapore (NUS) - Lee Kuan Yew School of Public Policy
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Cohort Size, Cohort Effect, Superstition, Fertility, Education, Income, Consumption, Consumer Behavior, Household Finance

115.

Information Asymmetries and Learning in Commercial Real Estate Markets

Number of pages: 58 Posted: 21 Aug 2017 Last Revised: 24 Apr 2018
Sumit Agarwal, Tien Foo Sing and Long Wang
National University of Singapore, National University of Singapore (NUS) - Department of Real Estate and National University of Singapore (NUS) - Department of Real Estate
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Learning, Information Asymmetry, Foreign Investors, Commercial Real Estate Markets, Cross-border investments

116.

Consumption and Saving Response to Income Tax Exemption Policy: Evidence from India

Number of pages: 63 Posted: 17 Aug 2017 Last Revised: 19 Apr 2018
Sumit Agarwal, Souphala Chomsisengphet, Pulak Ghosh and Man Zhang
National University of Singapore, Office of the Comptroller of the Currency (OCC), Indian Institute of Management (IIMB), Bangalore and National University of Singapore (NUS) - NUS Business School
Downloads 0 (116,854)

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Tax Preferred Saving Account, Tax Policy, Consumption, Saving, Debit Cards, Household Finance, Banks, Discretionary Spending, Fiscal Policy

117.

Anticipated Income Shock and Labor Supply

Posted: 26 Jul 2017
Sumit Agarwal, Shih-Fen Cheng, Jussi Keppo and Kang Mo Koo
National University of Singapore, Singapore Management University - School of Information Systems, National University of Singapore - NUS Business School and Deakin University-Department of Finance

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Income shock, Labor supply, Pension withdrawal

118.

Impact of Transboundary Haze Pollution on Household Utilities Consumption

Georgetown McDonough School of Business Research Paper No. 2942096
Number of pages: 73 Posted: 28 Mar 2017 Last Revised: 13 Apr 2018
Sumit Agarwal, Tien Foo Sing and Yang Yang
National University of Singapore, National University of Singapore (NUS) - Department of Real Estate and National University of Singapore (NUS) - Department of Real Estate
Downloads 0 (83,879)

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Transboundary air pollution, haze, environmental externalities, risk avoidance economic activities, household utilities

119.

The Effectiveness of Housing Collateral Tightening Policy

Number of pages: 46 Posted: 15 Feb 2017 Last Revised: 12 Apr 2018
Sumit Agarwal, Cristian Badarinza and Wenlan Qian
National University of Singapore, National University of Singapore (NUS) and National University of Singapore - NUS Business School
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credit supply, mortgage market, household finance

120.

Cash Demand and Consumption Response to Unanticipated Monetary Policy Shock: Evidence from Turkey

Georgetown McDonough School of Business Research Paper No. 2913973
Number of pages: 57 Posted: 09 Feb 2017 Last Revised: 26 Jun 2017
Sumit Agarwal, Souphala Chomsisengphet, Yildiray Yildirim and Jian Zhang
National University of Singapore, Office of the Comptroller of the Currency (OCC), Zicklin School of Business, Baruch College - The City University of New York and Hong Kong Baptist University (HKBU) - Department of Finance and Decision Sciences
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Cash Demand, Interest Shock, Liquidity Constraint, Consumption, Big Data, Household Finance

121.

Banking the Unbanked: What Do 255 Million New Bank Accounts Reveal about Financial Access?

Columbia Business School Research Paper No. 17-12, Georgetown McDonough School of Business Research Paper No. 2906523, Indian School of Business WP 2906523, HKUST Finance Symposium 2017
Number of pages: 76 Posted: 30 Jan 2017 Last Revised: 13 Nov 2017
Sumit Agarwal, Shashwat Alok, Pulak Ghosh, Soumya Ghosh, Tomasz Piskorski and Amit Seru
National University of Singapore, Indian School of Business (ISB), Hyderabad, Indian Institute of Management (IIMB), Bangalore, State Bank of India, Columbia Business School - Finance and Economics and Stanford University
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Banking, Financial Inclusion, Financial Literacy, Big Data, Financial Access, Savings, Spending, Debit Card, Consumer Finance, Household Finance

122.

Disaggregated Sales and Stock Returns

Georgetown McDonough School of Business Research Paper No. 2892184
Number of pages: 81 Posted: 09 Jan 2017 Last Revised: 03 Jan 2018
Sumit Agarwal, Wenlan Qian and Xin Zou
National University of Singapore, National University of Singapore - NUS Business School and Hong Kong Baptist University (HKBU)
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return predictability, disaggregated sales, customer demand, credit cards, consumption, household finance, financial institution, big data

123.

Public and Private Information: Firm Disclosure, SEC Letters, and the JOBS Act

Georgetown McDonough School of Business Research Paper No. 2891089, Kelley School of Business Research Paper No. 17-4, Gabelli School of Business, Fordham University Research Paper No. 2891089
Number of pages: 70 Posted: 29 Dec 2016 Last Revised: 17 Jun 2017
Sumit Agarwal, Sudip Gupta and Ryan D. Israelsen
National University of Singapore, Fordham University - Finance Area and Michigan State University - Department of Finance
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Mandatory Disclosure, Voluntary Disclosure, SEC, Comment Letters, Information Asymmetry, IPO, JOBS Act, Underpricing, Textual Analysis, Topic Models, Public Information, Private Information, Hard Information, Soft Information

124.

Ethnic Matching and Ethnic Social Network in Public Housing Market in Singapore

Georgetown McDonough School of Business Research Paper No. 2888268
Number of pages: 66 Posted: 21 Dec 2016 Last Revised: 15 Jan 2018
Sumit Agarwal, Hyun-Soo Choi, Jia He and Tien Foo Sing
National University of Singapore, Singapore Management University - Lee Kong Chian School of Business, Nankai University - School of Economics and National University of Singapore (NUS) - Department of Real Estate
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Social Interactions, Cultural Affinity, Ethnicity Quota, Public Housing, Cash-Over-Valuation (COV)

125.

Government Employment Guarantee, Labor Supply and Firms’ Reaction: Evidence from the Largest Public Workfare Program in the World

Georgetown McDonough School of Business Research Paper No. 2880629, Indian School of Business WP 2880629
Number of pages: 57 Posted: 06 Dec 2016 Last Revised: 26 Oct 2017
Sumit Agarwal, Shashwat Alok, Yakshup Chopra and Prasanna L. Tantri
National University of Singapore, Indian School of Business (ISB), Hyderabad, Washington University in St. Louis and Indian School of Business
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Workfare, Labor Markets, Labor Supply, Labor Scarcity, Capital Investments, Labor and Finance, Labor-Technology Substitution, MNREGA, NREGS, NREGA

126.

Thy Neighbor’s Misfortune: Peer Effect on Consumption

Number of pages: 65 Posted: 19 May 2016 Last Revised: 13 Nov 2017
Sumit Agarwal, Wenlan Qian and Xin Zou
National University of Singapore, National University of Singapore - NUS Business School and Hong Kong Baptist University (HKBU)
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Peer Effect, Social Multiplier, Consumption, Spending, Bankruptcy, Debt, Credit Cards, Household Finance, Banks, Loans, Durable Goods, Discretionary Spending

127.

Does Inequality Cause Financial Distress? Evidence from Lottery Winners and Neighboring Bankruptcies

FRB of Philadelphia Working Paper No. 16-4
Number of pages: 49 Posted: 12 Feb 2016
Sumit Agarwal, Vyacheslav Mikhed and Barry Scholnick
National University of Singapore, Federal Reserve Bank of Philadelphia and University of Alberta - Department of Marketing, Business Economics & Law
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Income inequality, Bankruptcy, Conspicuous consumption, Lottery, Financial distress

128.

Salience and Mispricing: Homebuyers’ Housing Decisions

Norges Bank Working Paper 21
Number of pages: 44 Posted: 10 Jan 2016 Last Revised: 19 Nov 2016
Sumit Agarwal and Artashes Karapetyan
National University of Singapore and BI Norwegian Business School
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Salience, Housing, Cooperatives, Mortgage, Household Finance, Mispricing

129.

Golf Buddies and Board Diversity

Number of pages: 17 Posted: 13 Dec 2015
Sumit Agarwal, Wenlan Qian, David M. Reeb and Tien Foo Sing
National University of Singapore, National University of Singapore - NUS Business School, National University of Singapore and National University of Singapore (NUS) - Department of Real Estate
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Board of Directors, Golf, Gender, Board Diversity

130.

Learning by Driving: Evidence from Taxi Driver Wages in Singapore

Number of pages: 38 Posted: 08 Dec 2015 Last Revised: 06 Nov 2016
Sumit Agarwal, Shih-Fen Cheng, Jussi Keppo and Ryoko Sato
National University of Singapore, Singapore Management University - School of Information Systems, National University of Singapore - NUS Business School and National University of Singapore (NUS)
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Learning-by-doing, Wages, Labor Supply, Taxi Drivers

131.

Strategic Information Disclosure and Bank Lending

2016 Canadian Academic Accounting Association (CAAA) Annual Conference
Number of pages: 54 Posted: 12 Nov 2015 Last Revised: 16 Jan 2016
Sumit Agarwal, Souphala Chomsisengphet and Susie Qi Wang
National University of Singapore, Office of the Comptroller of the Currency (OCC) and National University of Singapore
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Small business lending, private information, strategic disclosure, bank lending, financial accounting information

132.

Strategic Sequential Bidding for Government Land Auction Sales – Evidence from Singapore

Number of pages: 43 Posted: 10 Nov 2015 Last Revised: 03 Feb 2017
Sumit Agarwal, Jing Li, Ernie G. S. Teo and Alan Cheong
National University of Singapore, Singapore Management University, IBM Research and Savills Valuation and Professional Services (S) Pte Ltd
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Land Sale Auctions, Strategic Sequential Bidding, Land Price, Housing Price, Product Differentiation

133.

The Subprime Virus

Real Estate Economics, Vol. 43, Issue 4, pp. 891-915, 2015
Number of pages: 25 Posted: 26 Oct 2015
Sumit Agarwal, Brent W. Ambrose and Yildiray Yildirim
National University of Singapore, Pennsylvania State University and Zicklin School of Business, Baruch College - The City University of New York
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134.

Lender Steering in Residential Mortgage Markets

Real Estate Economics, Forthcoming.
Number of pages: 33 Posted: 06 Oct 2015 Last Revised: 05 May 2017
Sumit Agarwal, Brent W. Ambrose and Vincent W. Yao
National University of Singapore, Pennsylvania State University and Georgia State University - J. Mack Robinson College of Business
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Steering, Securitization, Banking Deregulation, Insurance

135.

Effects of Government Bailouts on Mortgage Modification

Georgetown McDonough School of Business Research Paper No. 2479349
Number of pages: 52 Posted: 13 Aug 2014
Sumit Agarwal and Yunqi Zhang
National University of Singapore and School of Finance, Nankai University
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loan modification, financial crisis, mortgage, TARP, government intervention, liquidity

136.

The Role of Insurance in Debt Renegotiation: Evidence from Mortgage Market

Posted: 03 Jun 2014 Last Revised: 08 Jan 2017
Sumit Agarwal and Yunqi Zhang
National University of Singapore and School of Finance, Nankai University

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debt renegotiation, financial crisis, loan modification, mortgage, insurance, foreclosure, loss mitigation

137.

Thy Neighbor's Mortgage: Does Living in a Subprime Neighborhood Affect One's Probability of Default?

Real Estate Economics, 2011
Posted: 10 Oct 2010
Sumit Agarwal, Brent W. Ambrose, Souphala Chomsisengphet and Anthony B. Sanders
National University of Singapore, Pennsylvania State University, Office of the Comptroller of the Currency (OCC) and George Mason University - School of Business

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Subprime mortgages; default; house price appreciation

138.

The Impact of the 2001 Financial Crisis and the Economic Policy Responses on the Argentine Mortgage Market

Journal of Housing Economics, Vol. 14, No. 3, pp. 242-270, 2005
Posted: 21 Jul 2005
Sumit Agarwal, Souphala Chomsisengphet and Olivier Hassler
National University of Singapore, Office of the Comptroller of the Currency (OCC) and World Bank - Financial Sector Department

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Argentine mortgage market, prepayment and default, financial crisis

139.

Determinants of Small Business Default

Posted: 11 Jul 2005
Sumit Agarwal, Souphala Chomsisengphet and Chunlin Liu
National University of Singapore, Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business

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Spot loans, line of credit, scored lending, loan size, small business defaults

140.

Asymmetric Information and the Automobile Loan Market

Posted: 08 Jul 2005
Sumit Agarwal, Brent W. Ambrose and Souphala Chomsisengphet
National University of Singapore, Pennsylvania State University and Office of the Comptroller of the Currency (OCC)

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Consumer debt, consumption decisions, prepayment, default

141.

Bankruptcy Exemptions, Garnishment Laws and Consumer Default Behavior: An Empirical Analysis of Credit Card Data

Quarterly Review of Economics and Finance, Vol. 43, No. 2, pp. 273-289, 2003
Posted: 23 Apr 2005
Sumit Agarwal, Chunlin Liu and Lawrence Mielnicki
National University of Singapore, University of Nevada, Reno - College of Business and De Lage Landen Financial Services

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Garnishment law, consumer default, credit cards

142.

Determinants of Credit Card Delinquency and Bankruptcy: Macroeconomic Factors

Journal of Economics and Finance, Vol. 27, pp, 75-84, 2003
Posted: 14 Apr 2005
Sumit Agarwal and Chunlin Liu
National University of Singapore and University of Nevada, Reno - College of Business

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Unemployment, Consumer Delinquency and Bankruptcy, and Credit Cards

143.

Where Does Price Discovery Occur for Stocks Traded in Multiple Markets? Evidence from Hong Kong and London Stocks

Journal of International Money and Finance, Forthcoming
Posted: 07 Dec 2004
Sumit Agarwal, Chunlin Liu and S. Ghon Rhee
National University of Singapore, University of Rhode Island and University of Hawaii - Shidler College of Business

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Dually-listed stocks, Price discovery, Liquidity-driven trading

144.

Impact of State Exemption Laws on Small Business Bankruptcy Decision

Southern Economic Journal, Vol. 71, No. 3, pp. 620-635, 2005
Posted: 07 Dec 2004
Sumit Agarwal, Souphala Chomsisengphet, Chunlin Liu and Lawrence Mielnicki
National University of Singapore, Office of the Comptroller of the Currency (OCC), University of Nevada, Reno - College of Business and De Lage Landen Financial Services

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Banks, Credit Cards, Small Business Bankruptcy, State Exemption Laws

145.

Credit Lines and Credit Utilization

Journal of Money, Credit, and Banking, Forthcoming
Posted: 21 Jun 2004
Brent W. Ambrose, Sumit Agarwal and Chunlin Liu
Pennsylvania State University, National University of Singapore and University of Rhode Island

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Home equity lines, prepayment, banks

146.

Blessing in Disguise? Environmental Shocks and Performance Enhancement

Number of pages: 2
Sumit Agarwal and Yang Yang
National University of Singapore and National University of Singapore (NUS) - Department of Real Estate
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Valuation of Environmental Effects, Air pollution, Tourism, Information and Learning, Firm Behavior, Social Media, User-generated content, Consumer rev

147.

Demonetization and Digitization

Number of pages: 62
Sumit Agarwal, Debarati Basu, Pulak Ghosh, Bhuvanesh Pareek and Jian Zhang
National University of Singapore, Indian Institute of Management (IIMB), Bangalore, Indian Institute of Management (IIMB), Bangalore, Indian Institute of Management (IIM), Indore and Hong Kong Baptist University (HKBU) - Department of Finance and Decision Sciences
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Digitization, Payment Method, Demonetization

148.

Effects of Government Bail-Out on Mortgage Modification

Journal of Banking and Finance, Vol. 93, 2018
Sumit Agarwal and Yunqi Zhang
National University of Singapore and School of Finance, Nankai University

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mortgage modification, financial crisis, TARP, government intervention, liquidity