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

163

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Scholarly Papers (163)

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1.

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

Downloads 5,877 ( 1,134)
Citation 38

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 5,687 (1,176)
Citation 28

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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 147 (199,234)

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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 43 (421,519)
Citation 2

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2.

Regulating Consumer Financial Products: Evidence from Credit Cards

Downloads 2,272 ( 5,809)
Citation 62

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) - Leonard N. Stern School of Business
Downloads 2,230 (5,876)
Citation 2

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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) - Leonard N. Stern School of Business
Downloads 42 (425,542)
Citation 5

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3.

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

Downloads 2,114 ( 6,552)
Citation 60

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 1,986 (7,148)
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 111 (247,974)
Citation 3

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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 17 (560,042)
Citation 25

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4.

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

Downloads 1,719 ( 9,325)
Citation 6

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 1,600 (10,287)

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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 119 (235,681)

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5.

Learning in the Credit Card Market

Downloads 1,642 ( 10,059)
Citation 6

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 1,542 (10,930)
Citation 7

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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 Last Revised: 26 Mar 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 100 (266,988)

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6.

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 1,511 (11,489)
Citation 2

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

7.

Inconsistent Regulators: Evidence from Banking

Downloads 1,474 ( 11,944)
Citation 84

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 1,444 (12,090)
Citation 1

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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 30 (480,085)
Citation 11

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8.

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

Downloads 1,372 ( 13,404)
Citation 31

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) - Leonard N. Stern School of Business
Downloads 1,315 (14,010)
Citation 14

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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) - Leonard N. Stern School of Business
Downloads 39 (438,027)

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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) - Leonard N. Stern School of Business
Downloads 18 (553,438)
Citation 4

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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) - Leonard N. Stern School of Business
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asymmetric information, credit card market, monetary policy, pass-through

9.

Optimal Mortgage Refinancing: A Closed Form Solution

Downloads 1,330 ( 14,069)
Citation 25

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 1,288 (14,471)
Citation 3

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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 42 (425,542)
Citation 4

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10.

Do Consumers Choose the Right Credit Contracts?

Downloads 1,155 ( 17,469)
Citation 29

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 712 (34,382)
Citation 22

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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 316 (94,710)
Citation 24

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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 127 (224,255)
Citation 8

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

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 917 (24,559)
Citation 5

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Financial literacy, Household finance, Financial Literacy, Consumer Behavior

12.

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 794 (30,061)

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

13.

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

Downloads 742 ( 32,978)
Citation 11

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 481 (57,581)
Citation 6

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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 261 (116,387)
Citation 12

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

14.

Mortgage Debt, Hand-to-Mouth Households, and Monetary Policy Transmission

Number of pages: 57 Posted: 27 Dec 2018 Last Revised: 16 Jul 2019
Sumit Agarwal, Yongheng Deng, Quanlin Gu, Jia He, Wenlan Qian and Yuan Ren
National University of Singapore, Wisconsin School of Business, University of Wisconsin-Madison, Peking University, Nankai University, National University of Singapore - NUS Business School and National University of Singapore (NUS) - NUS Business School
Downloads 723 (34,272)
Citation 2

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Consumption, Monetary Policy, Disposable Income Shocks, MPC, Mortgage, Housing, Policy, Constraints, Credit Access, Wealthy Hand-to-Mouth, Debt, Deleverage, Credit Cards, Household Finance, China

15.

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 713 (34,822)
Citation 4

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Household Finance, Financial Incentives, Credit cards

16.

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

Downloads 702 ( 35,584)
Citation 14

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 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 688 (36,028)
Citation 4

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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 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 14 (579,877)
Citation 2

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17.

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 694 (36,154)
Citation 13

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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

18.

Predatory Lending and the Subprime Crisis

Downloads 691 ( 36,378)
Citation 34

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 665 (37,679)

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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 26 (502,600)

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19.

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

Downloads 675 ( 37,554)
Citation 101

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 643 (39,422)
Citation 1

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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 32 (469,876)
Citation 71

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20.

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 604 (43,555)
Citation 14

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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.

21.

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, HKUST Finance Symposium 2017, Indian School of Business WP 2906523
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
Downloads 590 (44,919)
Citation 8

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Banking, Financial Inclusion, Financial Literacy, Big Data, Financial Access, Savings, Spending, Debit Card, Consumer Finance, Household Finance

22.

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

Downloads 547 ( 49,437)
Citation 24

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 481 (57,581)
Citation 26

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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 66 (344,254)

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23.

Demonetization and Digitization

Number of pages: 57 Posted: 02 Jul 2018 Last Revised: 26 Dec 2018
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
Downloads 530 (51,461)
Citation 2

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Digitization, Payment Method, Demonetization

24.

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

American Economic Journal: Economic Policy, Forthcoming, Fisher College of Business Working Paper No. 2008-03-020, Charles A. Dice Center Working Paper No. 2008-20, Paolo Baffi Centre Research Paper No. 2009-51, Networks Financial Institute Working Paper 2011-WP-12, FRB of Chicago Working Paper No. 2009-7, FDIC Center for Financial Research Working Paper No. 2009-04
Number of pages: 57 Posted: 20 Oct 2008 Last Revised: 19 Apr 2019
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 521 (52,600)

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Financial counseling, subprime crisis, predatory lending, household finance

25.

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 501 (55,268)

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

26.

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 492 (56,562)
Citation 19

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consumption, minimum wage, debt, liquidity constraint, durables

27.

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 474 (59,318)
Citation 4

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

28.

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 468 (60,217)
Citation 3

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Household finance, Credit Cards, Home Equity, AFQT Scores

29.

What Shapes Consumer Choice and Financial Products? - A Review

Downloads 464 ( 60,900)

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 464 (60,255)
Citation 1

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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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30.

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 464 (60,900)
Citation 6

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

31.

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

Downloads 452 ( 62,883)

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 452 (62,240)

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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

Abstract:

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Loan-Loss Provision, Security Gains, Earnings Management

32.

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 448 (63,519)
Citation 1

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

33.

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
Downloads 447 (63,669)

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Income inequality, Bankruptcy, Conspicuous consumption, Lottery, Financial distress

34.

Mobile Wallet and Entrepreneurial Growth

Number of pages: 30 Posted: 27 Dec 2018
Sumit Agarwal, Wenlan Qian, Bernard Yin Yeung and Xin Zou
National University of Singapore, National University of Singapore - NUS Business School, National University of Singapore - Business School and Hong Kong Baptist University (HKBU)
Downloads 444 (64,218)
Citation 1

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mobile wallet, cashless payment, entrepreneurship, small business, sales growth, credit card, debit card, banking, fintech, digital economy

35.

Disaggregated Sales and Stock Returns

Georgetown McDonough School of Business Research Paper No. 2892184, Asian Finance Association (AsianFA) 2018 Conference
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)
Downloads 441 (64,756)
Citation 1

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return predictability, disaggregated sales, customer demand, credit cards, consumption, household finance, financial institution, big data

36.

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 425 (67,679)
Citation 3

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

37.

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 415 (69,673)
Citation 20

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38.

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 Yao
National University of Singapore, Ohio State University (OSU) - Department of Finance and Georgia State University - J. Mack Robinson College of Business
Downloads 409 (70,939)
Citation 7

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

39.

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 409 (70,939)
Citation 22

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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

40.

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
Downloads 407 (71,363)
Citation 8

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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

41.

An Empirical Analysis of Home Equity Loan and Line Performance

Downloads 406 ( 71,591)
Citation 8

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 406 (70,941)
Citation 8

Abstract:

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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

42.

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 396 (73,677)
Citation 17

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Distance, Small Business, Information Asymmetries, Banking

43.

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 The Chinese University of Hong Kong - CUHK Business School
Downloads 368 (80,236)

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

44.

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

Indian School of Business WP 2880629
Number of pages: 59 Posted: 06 Dec 2016 Last Revised: 04 Feb 2019
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
Downloads 362 (81,756)
Citation 2

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Workfare, Labor Markets, Labor Supply, Labor Scarcity, Capital Investments, Labor and Finance, Labor-Technology Substitution, MNREGA, NREGS, NREGA

45.

Disguised Corruption: Evidence from Consumer Credit in China

Number of pages: 68 Posted: 13 Apr 2018 Last Revised: 06 Dec 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 349 (85,303)
Citation 7

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Corruption, Credit Cards, Credit, Debt, Household Finance, Government, Bureaucrats, Banking, Political Connections, China

46.

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 344 (86,739)
Citation 1

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Labor Supply, Reference Dependent Preferences, Cab Drivers

47.

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 328 (91,455)
Citation 2

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

48.

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)
Downloads 323 (93,014)
Citation 7

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Peer Effect, Social Multiplier, Consumption, Spending, Bankruptcy, Debt, Credit Cards, Household Finance, Banks, Loans, Durable Goods, Discretionary Spending

49.

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 320 (93,967)

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

50.

Tax Evasion, Capital Gains Taxes, and the Housing Market

Number of pages: 55 Posted: 12 Sep 2018 Last Revised: 12 Nov 2018
Sumit Agarwal, Keyang Li, Yu Qin, Jing Wu and Jubo Yan
National University of Singapore, Tsinghua University - Hang Lung Center for Real Estate, National University of Singapore (NUS) - Department of Real Estate, Tsinghua University - Hang Lung Center for Real Estate and Nanyang Technological University
Downloads 317 (94,948)

Abstract:

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Tax Evasion, Capital Gain Tax, Housing Market, Housing Policy

51.

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 307 (98,338)
Citation 9

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

52.

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

Downloads 300 (100,827)
Citation 3

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

Number of pages: 36 Posted: 29 Mar 2014 Last Revised: 10 Jun 2019
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 272 (111,419)
Citation 4

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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 28 (490,982)

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

53.

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

Downloads 295 (102,743)

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 295 (102,185)
Citation 10

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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

54.

Tax Differential and Cross-Border Shopping: Evidence from Singapore

Downloads 287 (105,870)
Citation 2

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 223 (136,599)

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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 64 (349,979)
Citation 2

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

55.

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 287 (105,870)
Citation 2

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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

56.

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
Downloads 278 (109,465)
Citation 1

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Board of Directors, Golf, Gender, Board Diversity

57.

Why Do Borrowers Make Mortgage Refinancing Mistakes?

Downloads 273 (111,595)
Citation 7

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 Yao
National University of Singapore, Federal Reserve Bank of Chicago - Economic Research and Georgia State University - J. Mack Robinson College of Business
Downloads 156 (189,525)
Citation 4

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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 Yao
National University of Singapore, Federal Reserve Bank of Chicago - Economic Research and Georgia State University - J. Mack Robinson College of Business
Downloads 117 (238,711)
Citation 8

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

58.

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 268 (114,187)

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securitization, credit crises, TALF

59.

Consumption and Saving Response to a Tax-Subsidized Saving Policy: Evidence from India

Number of pages: 61 Posted: 17 Aug 2017 Last Revised: 10 Oct 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 University of Sydney
Downloads 267 (114,187)

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

60.

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 263 (116,018)

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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

61.

Holdup by Junior Claimholders: Evidence from the Mortgage Market

Downloads 255 (119,846)
Citation 7

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 236 (129,118)
Citation 7

Abstract:

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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 19 (546,972)

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62.

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 250 (122,250)
Citation 8

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Bank loan commitment; credit lines, private firms

63.

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 249 (122,779)

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

64.

Benefits of Relationship Banking: Evidence from Consumer Credit Markets

Downloads 248 (123,300)
Citation 16

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 173 (173,305)
Citation 14

Abstract:

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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 75 (320,427)
Citation 18

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

65.

Disguised Pollution: Industrial Activities in the Dark

Number of pages: 54 Posted: 23 Apr 2019
Sumit Agarwal, Yu Qin and Hongjia Zhu
National University of Singapore, National University of Singapore (NUS) - Department of Real Estate and Jinan University
Downloads 242 (126,414)

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air pollution, disguised behavior, industrial firms, inspections, health, China

66.

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 241 (126,957)

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leasing valuation, credit risk, endogenous default

67.

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

Downloads 237 (129,042)
Citation 23

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 Yao
National University of Singapore, Ohio State University (OSU) - Department of Finance and Georgia State University - J. Mack Robinson College of Business
Downloads 163 (182,535)
Citation 2

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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 Yao
National University of Singapore, Ohio State University (OSU) - Department of Finance and Georgia State University - J. Mack Robinson College of Business
Downloads 66 (344,254)

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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 Yao
National University of Singapore, Ohio State University (OSU) - Department of Finance and Georgia State University - J. Mack Robinson College of Business
Downloads 8 (621,576)
Citation 1

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68.

Matching in Housing Markets: The Role of Ethnic Social Networks

Georgetown McDonough School of Business Research Paper No. 2888268
Number of pages: 65 Posted: 21 Dec 2016 Last Revised: 06 Jul 2018
Sumit Agarwal, Hyun-Soo Choi, Jia He and Tien Foo Sing
National University of Singapore, KAIST College of Business, Nankai University - School of Economics and National University of Singapore (NUS) - Department of Real Estate
Downloads 233 (131,267)

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Ethnic Matching, Social Networks, Housing Transactions, Cash-Over-Valuation (COV)

69.

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 231 (132,390)
Citation 2

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Personal Bankruptcy, Gender, Risk Aversion, Household Finance

70.

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 230 (132,941)
Citation 12

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

71.

How Does Financial Literacy Affect Mortgage Default?

Downloads 228 (134,096)

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 228 (133,637)

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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

72.

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 227 (134,684)
Citation 2

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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

73.

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 226 (135,245)

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

74.

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 219 (139,472)
Citation 15

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

75.

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 212 (143,787)

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Entrepreneurship, Home-Base Work, Experimentation

76.

Golfing for Information: Informal Interactions and Economic Consequences

Number of pages: 79 Posted: 09 May 2019 Last Revised: 30 Jun 2019
Sumit Agarwal, Yu Qin, Tien Foo Sing and Xiaoyu Zhang
National University of Singapore, National University of Singapore (NUS) - Department of Real Estate, National University of Singapore (NUS) - Department of Real Estate and National University of Singapore (NUS) - Department of Real Estate
Downloads 209 (145,706)

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information efficiency, informal social interaction, winners’ curse, land auctions, corporate investment

77.

Can Regulation De-bias Appraisers?

Journal of Financial Intermediation, Forthcoming
Number of pages: 35 Posted: 21 Dec 2014 Last Revised: 23 Apr 2019
Sumit Agarwal, Brent W. Ambrose and Vincent Yao
National University of Singapore, Pennsylvania State University and Georgia State University - J. Mack Robinson College of Business
Downloads 203 (149,696)
Citation 10

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mortgages, valuation, financial crisis, regulations, appraisal bias

78.

Dissecting the Information Value of Sovereign Credit Rating Reports

Number of pages: 52 Posted: 18 Nov 2014 Last Revised: 05 Apr 2019
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 199 (152,560)
Citation 1

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

79.

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 198 (153,287)

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Internal Capital Allocation, Diversified Firm, Investment

80.

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 193 (157,062)

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

81.

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 190 (159,280)
Citation 1

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

82.

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 182 (165,594)
Citation 1

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

83.

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)
Downloads 179 (168,048)
Citation 1

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Learning-by-doing, Wages, Labor Supply, Taxi Drivers

84.

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 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 179 (168,048)
Citation 4

Abstract:

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

85.

Effects of Government Bailouts on Mortgage Modification

Downloads 179 (168,048)

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 179 (168,054)

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

Effects of Government Bail-Out on Mortgage Modification

Journal of Banking and Finance, Vol. 93, 2018
Posted: 01 Jul 2018
Sumit Agarwal and Yunqi Zhang
National University of Singapore and School of Finance, Nankai University

Abstract:

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Mortgage Modification, Financial Crisis, TARP, Government Intervention, Liquidity

86.

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 173 (173,230)

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

87.

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 173 (173,230)
Citation 2

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Subprime, Default, Portfolio Risk

88.

Dragon Babies

Georgetown McDonough School of Business Research Paper No. 3032575
Number of pages: 54 Posted: 08 Sep 2017 Last Revised: 27 Jan 2019
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
Downloads 170 (175,927)
Citation 3

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Cohort Size, Cohort Effect, Superstition, Fertility, Education, Income, Consumption, Consumer Behavior, Household Finance

89.

Labor Mobility and Loan Origination

Number of pages: 48 Posted: 28 Jun 2019 Last Revised: 15 Jul 2019
Sumit Agarwal, Yupeng Lin, Yunqi Zhang and Zilong Zhang
National University of Singapore, National University of Singapore, School of Finance, Nankai University and City University of Hong Kong
Downloads 168 (177,755)

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Mortgage Default, Modification, Labor Mobility, Inevitable Disclosure Doctrine

90.

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 166 (179,576)

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Credit card default, forbearance, loss mitigation, hazard models

91.

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) - Leonard N. Stern School of Business
Downloads 161 (184,267)
Citation 3

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Consumer Financial Regulation, Fees, Hidden Fees, Waterbed Effect, CARD Act, Airline baggage fees

92.

Roads and Loans

Downloads 159 (186,284)

Roads and Loans

Number of pages: 65 Posted: 23 Jan 2018 Last Revised: 23 Mar 2019
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
Downloads 154 (191,679)

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Finance and growth, Infrastructure development and finance, Rural lending

Roads and Loans

HKUST IEMS Working Paper No. 2019-61
Number of pages: 69 Posted: 16 Jul 2019
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
Downloads 5 (643,235)

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Finance and growth, Infrastructure development and finance, Rural lending

93.

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
Downloads 159 (186,284)
Citation 2

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Small business lending, private information, strategic disclosure, bank lending, financial accounting information

94.

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 The Chinese University of Hong Kong - CUHK Business School
Downloads 155 (190,306)
Citation 1

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

95.

Fickle Fingers: Ride-Hail Surge Factors and Taxi Bookings

Number of pages: 42 Posted: 25 Apr 2018 Last Revised: 05 Apr 2019
Sumit Agarwal, Ben Charoenwong, Shih-Fen Cheng and Jussi Keppo
National University of Singapore, National University of Singapore - Department of Finance, Singapore Management University - School of Information Systems and National University of Singapore - NUS Business School
Downloads 149 (196,626)
Citation 1

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transportation economics, surge pricing, consumer behavior, big data analytics

96.

Travel Time Uncertainties and Commuter Behavior: Evidence from Smart Card Data in Singapore

Georgetown McDonough School of Business Research Paper No. 3036259
Number of pages: 38 Posted: 15 Sep 2017 Last Revised: 13 Jan 2019
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
Downloads 148 (197,700)

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Travel time, reliability, transport mode, smart city, big data

97.

In the Mood to Consume: Effect of Sunshine on Credit Card Spending

Columbia Business School Research Paper No. 17-104
Number of pages: 40 Posted: 23 Oct 2017 Last Revised: 14 May 2019
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)
Downloads 147 (198,794)

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Credit Cards, Mood, Sunshine, Household Finance, Consumption

98.

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
Downloads 144 (202,183)
Citation 2

Abstract:

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credit supply, mortgage market, household finance

99.

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 142 (204,461)
Citation 1

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Subprime mortgages, default, house price appreciation, Externalities

100.

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 ShanghaiTech University - School of Entrepreneurship and Management
Downloads 140 (206,807)
Citation 3

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Learning, Information Asymmetry, Foreign Investors, Commercial Real Estate Markets, Cross-border investments

101.

Blessing in Disguise? Environmental Shocks and Performance Enhancement

Downloads 137 (210,525)

Blessing in Disguise? Environmental Shocks and Performance Enhancement

Number of pages: 73 Posted: 26 Jun 2018 Last Revised: 02 Dec 2018
Sumit Agarwal, Long Wang and Yang Yang
National University of Singapore, ShanghaiTech University - School of Entrepreneurship and Management and The Chinese University of Hong Kong - CUHK Business School
Downloads 124 (228,438)

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Valuation of Environmental Effects, Air pollution, Tourism, Information and Learning, Firm Behavior, Social Media, User-generated content, Consumer rev

Blessing in Disguise? Environmental Shocks and Performance Enhancement

ShanghaiTech SEM Working Paper No. 2018-012
Number of pages: 72 Posted: 24 Jul 2018
Sumit Agarwal, Long Wang and Yang Yang
National University of Singapore, ShanghaiTech University - School of Entrepreneurship and Management and The Chinese University of Hong Kong - CUHK Business School
Downloads 13 (586,677)

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Air pollution, Productivity, Performance, Tourism, Information and Learning

102.

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 Yao
National University of Singapore, National University of Singapore (NUS) and Georgia State University - J. Mack Robinson College of Business
Downloads 135 (214,302)
Citation 1

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Deregulation; competition; shrouding; behavioral bias

103.

Homebuilders, Affiliated Financing Arms and the Mortgage Crisis

Downloads 133 (215,584)
Citation 3

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, Wharton, Federal Reserve Bank of Chicago and University of Texas at Arlington - Department of Finance and Real Estate
Downloads 76 (317,931)
Citation 3

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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, Wharton, Federal Reserve Bank of Chicago and University of Texas at Arlington - Department of Finance and Real Estate
Downloads 57 (371,401)

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

104.

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 132 (216,938)

Abstract:

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

105.

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 130 (219,453)
Citation 3

Abstract:

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

106.

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 128 (222,143)

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

107.

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 127 (223,428)
Citation 1

Abstract:

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

108.

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 124 (227,556)
Citation 2

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

109.

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, Wisconsin School of Business, University of Wisconsin-Madison, National University of Singapore (NUS) - Department of Real Estate and National University of Singapore - NUS Business School
Downloads 122 (230,356)

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

110.

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 114 (242,096)

Abstract:

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

111.

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 113 (243,608)

Abstract:

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

112.

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

Downloads 109 (249,965)
Citation 21

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 80 (308,140)

Abstract:

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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 (485,471)
Citation 1
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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

113.

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 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 103 (259,994)
Citation 1

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Gender Difference, Economic Power, Mortgage Application, Household Finance

114.

Financial Access Under the Microscope

Downloads 100 (265,235)

Financial Access Under the Microscope

Number of pages: 67 Posted: 07 Oct 2018 Last Revised: 08 Jun 2019
Sumit Agarwal, Thomas Kigabo, Camelia Minoiu, Andrea Presbitero and André F. Silva
National University of Singapore, National Bank of Rwanda, Federal Reserve Board, International Monetary Fund (IMF) and Federal Reserve Board
Downloads 62 (355,820)

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Financial Inclusion, Microfinance, Loan Expansion Programs, Credit Reference Bureau

Financial Access Under the Microscope

IMF Working Paper No. 18/208
Number of pages: 56 Posted: 15 Nov 2018
Sumit Agarwal, Thomas Kigabo, Camelia Minoiu, Andrea Presbitero and André F. Silva
National University of Singapore, National Bank of Rwanda, Federal Reserve Board, International Monetary Fund (IMF) and Federal Reserve Board
Downloads 38 (442,405)

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Microfinance, Africa, Financial inclusion, loan expansion program, credit reference bureau, Microeconomic Analyses of Economic Development

115.

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 100 (265,235)
Citation 4

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Persuasion, Advertising, Contract Choice, Home-equity Lending

116.

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 The Chinese University of Hong Kong - CUHK Business School
Downloads 97 (270,561)

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

117.

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 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 95 (274,288)
Citation 4

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

118.

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 95 (274,288)
Citation 3

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

119.

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 Yao
National University of Singapore, Pennsylvania State University and Georgia State University - J. Mack Robinson College of Business
Downloads 92 (279,924)
Citation 1

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Steering, Securitization, Banking Deregulation, Insurance

120.

A Friend Indeed: Does the Use of Biometric Digital Identity Make Welfare Programs Counter Cyclical?

Number of pages: 50 Posted: 02 Jul 2018 Last Revised: 26 Nov 2018
Sumit Agarwal, Shradhey Parijat Prasad, Nishka Sharma and Prasanna L. Tantri
National University of Singapore, Indian School of Business (ISB), Hyderabad, Indian School of Business (ISB), Hyderabad and Indian School of Business
Downloads 89 (285,965)

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MNREGA, MNREGS, Economic Distress, Anti-Poverty Programs, Welfare Economics

121.

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 ESSEC Business School
Downloads 87 (290,103)

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Salience, Housing, Cooperatives, Mortgage, Household Finance, Mispricing

122.

The Geography of Consumption

Downloads 83 (298,614)
Citation 2

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 70 (333,319)

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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: 85 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 13 (586,677)

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The Geography of Consumption

CEPR Discussion Paper No. DP12150
Number of pages: 87 Posted: 18 Jul 2017 Last Revised: 26 Mar 2019
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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Citation 2
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123.

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, Wisconsin School of Business, University of Wisconsin-Madison and Nankai University
Downloads 82 (300,922)

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

124.

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 79 (307,549)
Citation 6

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125.

The Political Economy of Loan Modification

Number of pages: 47 Posted: 29 May 2018
Sumit Agarwal, Kristopher Gerardi and Vincent Yao
National University of Singapore, Federal Reserve Bank of Atlanta and Georgia State University - J. Mack Robinson College of Business
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Political Economy, Financial Crisis, Loan Modification, Mortgages, Dodd-Frank Act

126.

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 70 (329,545)
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Information, Contract Frictions, Screening, Banking, Home Equity Lending

127.

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 University of Auckland
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Bank Stability, Government guarantees, Bank Ownership, Market Discipline

128.

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

Number of pages: 65 Posted: 20 Dec 2017 Last Revised: 02 Oct 2018
Sumit Agarwal, Tien Foo Sing and Yang Yang
National University of Singapore, National University of Singapore (NUS) - Department of Real Estate and The Chinese University of Hong Kong - CUHK Business School
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Energy and Environment, Electric Utilities, Residential Market, Air Pollution

129.

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

130.

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

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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, NUS Business School 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

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

Journal of Real Estate Finance and Economics, Vol. 57, No. 4, 2018
Posted: 16 Nov 2018
Sumit Agarwal, Jing Li, Ernie G. S. Teo and Alan Cheong
National University of Singapore, Singapore Management University, NUS Business School 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

131.

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

132.

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

133.

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 Last Revised: 21 Feb 2019
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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financial distress, social comparisons among peers

134.

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 Yao
National University of Singapore, National University of Singapore (NUS) and Georgia State University - J. Mack Robinson College of Business
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relational contracts; appraiser; bunching; reputational concern; moral hazard; third party

135.

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

136.

Do Minimum Wage Increases Benefit Intended Households? Evidence from the Performance of Residential Leases

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Do Minimum Wage Increases Benefit Intended Households? Evidence from the Performance of Residential Leases

Number of pages: 46 Posted: 21 Dec 2018 Last Revised: 17 Feb 2019
Sumit Agarwal, Brent W. Ambrose and Moussa Diop
National University of Singapore, Pennsylvania State University and University of Southern California
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Minimum Wage Increase, Lease Defaults, Rental Market, Household Income

Do Minimum Wage Increases Benefit Intended Households? Evidence from the Performance of Residential Leases

FRB of Philadelphia Working Paper No. 19-28
Posted: 17 Jul 2019
Sumit Agarwal, Brent W. Ambrose and Moussa Diop
National University of Singapore, Federal Reserve Banks - Federal Reserve Bank of Philadelphia and University of Southern California

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minimum wage increase, lease defaults, rental market, household income

137.

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

138.

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, Wisconsin School of Business, University of Wisconsin-Madison and Institute of Real Estate Studies
Downloads 26 (488,226)
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NOx Budget Trading Program, Air pollution, House prices, Manufacturing intensity

139.

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
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140.

Speculating on Superstition: Evidence from Housing Transactions in Hungry Ghost Months in Singapore

Number of pages: 39 Posted: 30 Oct 2018
Sumit Agarwal, Hyun-Soo Choi, Jia He and Tien Foo Sing
National University of Singapore, KAIST College of Business, Nankai University and National University of Singapore (NUS) - Department of Real Estate
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Hungry Ghost Month, Superstitious Behavior, Housing Price, Non-Superstitious Investors, Speculation

141.

Tax-Pass-through, Pricing Strategy and Consumer Spending Dynamics: The Indian GST Experience

Number of pages: 38 Posted: 14 Jun 2019
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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Tax Pass-through, Consumption, Big Data, Household Finance

142.

Mortgage Brokers and the Effectiveness of Regulatory Oversights

Number of pages: 42 Posted: 29 Apr 2019
Sumit Agarwal, Yongheng Deng and Yonglin Wang
National University of Singapore, Wisconsin School of Business, University of Wisconsin-Madison and Lingnan University
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mortgage brokers, occupational licensing regulations, soft information, loan performance

143.

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
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144.

Anticipated Income Shock and Labor Supply

Number of pages: 38 Posted: 26 Jul 2017 Last Revised: 04 Aug 2018
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, taxi, intensive margin, extensive margin

145.

Peers’ Income and Financial Distress: Evidence from Lottery Winners and Neighboring Bankruptcies

FRB of Philadelphia Working Paper No. 18-22
Number of pages: 105 Posted: 31 Oct 2018 Last Revised: 21 Feb 2019
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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financial distress, social comparisons among peers

146.

Job Displacement and Financial Outcomes

Number of pages: 9 Posted: 06 Jan 2019
Daniel Aaronson, Sumit Agarwal, Julie L. Hotchkiss and Taylor Kelley
Federal Reserve Bank of Chicago, National University of Singapore, Federal Reserve Bank of Atlanta and Federal Reserve Bank of Chicago
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displacement, credit constraints, administrative data, unemployment, mass layoff

147.

Hedonic Price of Housing Space

Number of pages: 45 Posted: 22 Aug 2019
Sumit Agarwal, Yanying Chen, Jing Li and Yi Jin Tan
National University of Singapore, School of Economics, Singapore Management University, Singapore Management University and School of Economics, Singapore Management University
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housing space, implicit price, hedonic regression, urban redevelopment

148.

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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149.

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
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150.

Salient Peers and Consumption: Evidence from the Warranty Claims of Neighbors

Number of pages: 47
Sumit Agarwal, Souphala Chomsisengphet, Barry Scholnick and Man Zhang
National University of Singapore, Office of the Comptroller of the Currency (OCC), University of Alberta - Department of Marketing, Business Economics & Law and University of Sydney
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Saliency Bias, Peers, Warranty Claims

151.

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

Georgetown McDonough School of Business Research Paper No. 2913973
Posted: 09 Feb 2017 Last Revised: 05 Aug 2018
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

152.

Housing Upgrading in Urban Redevelopment

Georgetown McDonough School of Business Research Paper No. 2828541
Posted: 24 Aug 2016 Last Revised: 21 Aug 2019
Sumit Agarwal, Yanying Chen, Jing Li and Yi Jin Tan
National University of Singapore, School of Economics, Singapore Management University, Singapore Management University and School of Economics, Singapore Management University

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upgrading, urban renewal, urban redevelopment, policy evaluation

153.

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

154.

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

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Consumer credit, Lending policy, Pawn lending, Consumer rationality

155.

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

156.

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

157.

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

158.

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

159.

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

160.

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

161.

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

162.

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

163.

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

Other Papers (1)

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1.

Foregone Consumption and Return-Chasing Investments

Number of pages: 46 Posted: 02 Aug 2019 Last Revised: 01 Sep 2019
Sumit Agarwal, Ben Charoenwong and Pulak Ghosh
National University of Singapore, National University of Singapore - Department of Finance and Indian Institute of Management (IIMB), Bangalore
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Consumption, Return Chasing, Household Investment