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

226

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3,257

CROSSREF CITATIONS

1,347

Scholarly Papers (226)

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1.

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

Downloads 6,373 ( 2,087)
Citation 108

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, Board of Governors of the Federal Reserve System, Harvard University - Department of Economics and Harvard University - Department of Economics
Downloads 6,116 (2,227)
Citation 59

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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, Board of Governors of the Federal Reserve System, Harvard University - Department of Economics and Harvard University - Department of Economics
Downloads 179 (287,123)

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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: 18 Jul 2022
Sumit Agarwal, John C. Driscoll, Xavier Gabaix and David Laibson
National University of Singapore, Board of Governors of the Federal Reserve System, Harvard University - Department of Economics and Harvard University - Department of Economics
Downloads 78 (533,875)
Citation 3

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2.

The Real Impact of FinTech: Evidence from Mobile Payment Technology

Number of pages: 55 Posted: 13 Apr 2020 Last Revised: 29 Sep 2022
Sumit Agarwal, Wenlan Qian, Yuan Ren, Hsin-Tien Tiffany Tsai and Bernard Yin Yeung
National University of Singapore, National University of Singapore - NUS Business School, Zhejiang University, National University of Singapore (NUS), Department of Economics and National University of Singapore - Business School
Downloads 3,531 (5,729)
Citation 14

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FinTech, Mobile payment, Cash, Credit card, Real effect, Small business, Business creation, Entrepreneurship, Consumption, Banking, Digital economy, Transaction cost, Inclusive growth

3.

Who Pays For Your Rewards? Redistribution in the Credit Card Market

Downloads 3,428 ( 6,013)
Citation 2

Who Pays For Your Rewards? Redistribution in the Credit Card Market

Number of pages: 69 Posted: 07 Jun 2022 Last Revised: 06 Dec 2022
Sumit Agarwal, Andrea Presbitero, André F. Silva and Carlo Wix
National University of Singapore, International Monetary Fund (IMF), Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 3,284 (6,357)
Citation 2

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household finance; credit cards; financial sophistication; rewards

Who Pays for Your Rewards? Redistribution in the Credit Card Market

FEDS Working Paper No. 2023-7
Number of pages: 70 Posted: 04 Feb 2023
Sumit Agarwal, Andrea Presbitero, André F. Silva and Carlo Wix
National University of Singapore, International Monetary Fund (IMF), Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 144 (345,693)

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Household finance, Credit cards, Financial sophistication, Rewards

4.

Regulating Consumer Financial Products: Evidence from Credit Cards

Downloads 3,203 ( 6,739)
Citation 122

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, Government of the United States of America - 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 3,114 (6,913)
Citation 9

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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: 29 Mar 2023
Sumit Agarwal, Souphala Chomsisengphet, Neale Mahoney and Johannes Stroebel
National University of Singapore, Government of the United States of America - 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 89 (491,812)
Citation 14

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5.

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

Downloads 2,369 (10,806)
Citation 144

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, Government of the United States of America - Office of the Comptroller of the Currency (OCC), Columbia University - Columbia Business School, Finance and Stanford University
Downloads 2,201 (11,912)
Citation 6

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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, Government of the United States of America - Office of the Comptroller of the Currency (OCC), Columbia University - Columbia Business School, Finance and Stanford University
Downloads 120 (398,378)
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: 15 Jul 2023
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, Government of the United States of America - Office of the Comptroller of the Currency (OCC), Columbia University - Columbia Business School, Finance and Stanford University
Downloads 48 (686,966)
Citation 121

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6.

Financial Inclusion and Alternate Credit Scoring: Role of Big Data and Machine Learning in Fintech

Indian School of Business
Number of pages: 65 Posted: 14 Jan 2020 Last Revised: 07 Dec 2023
Sumit Agarwal, Shashwat Alok, Pulak Ghosh and Sudip Gupta
National University of Singapore, Indian School of Business (ISB), Hyderabad, Indian Institute of Management (IIMB), Bangalore and Johns Hopkins University
Downloads 2,069 (13,397)
Citation 11

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Fintech, Big data, Credit scores, Financial inclusion, Lending, Machine learning, Mobile footprint, Prediction Counterfactual, Social footprint, Social capital, Digital economy, Open banking, Data sharing

7.

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

Downloads 1,951 (14,726)
Citation 14

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 1,783 (16,657)

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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: 08 May 2022
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 168 (303,542)
Citation 3

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8.

Learning in the Credit Card Market

Downloads 1,908 (15,231)
Citation 14

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, Board of Governors of the Federal Reserve System, Harvard University - Department of Economics and Harvard University - Department of Economics
Downloads 1,737 (17,365)
Citation 10

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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: 09 Oct 2022
Sumit Agarwal, John C. Driscoll, Xavier Gabaix and David Laibson
National University of Singapore, Board of Governors of the Federal Reserve System, Harvard University - Department of Economics and Harvard University - Department of Economics
Downloads 171 (298,972)

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9.

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, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 1,902 (15,308)
Citation 11

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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

10.

Inconsistent Regulators: Evidence from Banking

Downloads 1,710 (18,085)
Citation 190

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 University of California, Berkeley - Haas School of Business
Downloads 1,639 (18,963)
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 Last Revised: 19 Jun 2022
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 University of California, Berkeley - Haas School of Business
Downloads 71 (564,035)
Citation 56

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11.

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

Downloads 1,645 (19,186)
Citation 98

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, Government of the United States of America - 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 1,525 (21,191)
Citation 20

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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, Government of the United States of America - 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 71 (564,035)

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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 Last Revised: 07 Jun 2023
Sumit Agarwal, Souphala Chomsisengphet, Neale Mahoney and Johannes Stroebel
National University of Singapore, Government of the United States of America - 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 49 (680,678)
Citation 73

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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, Government of the United States of America - 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

12.

Demonetization and Digitization

Number of pages: 57 Posted: 02 Jul 2018 Last Revised: 11 Nov 2022
Sumit Agarwal, Debarati Basu, Pulak Ghosh, Bhuvanesh Pareek and Jian Zhang
National University of Singapore, Shiv Nadar University, School of Management and Entrepreneurship, Indian Institute of Management (IIMB), Bangalore, Indian Institute of Management (IIM), Indore and The University of Hong Kong - Faculty of Business and Economics
Downloads 1,569 (20,613)
Citation 14

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Digitization, Payment Method, Demonetization

13.

Banking the Unbanked: What do 280 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: 72 Posted: 30 Jan 2017 Last Revised: 22 Sep 2023
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 University - Columbia Business School, Finance and Stanford University
Downloads 1,539 (21,257)
Citation 23

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

14.

Optimal Mortgage Refinancing: A Closed Form Solution

Downloads 1,419 (24,008)
Citation 53

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, Board of Governors of the Federal Reserve System and Harvard University - Department of Economics
Downloads 1,356 (25,245)
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: 09 Nov 2022
Sumit Agarwal, John C. Driscoll and David Laibson
National University of Singapore, Board of Governors of the Federal Reserve System and Harvard University - Department of Economics
Downloads 63 (601,861)
Citation 16

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15.

Do Consumers Choose the Right Credit Contracts?

Downloads 1,338 (26,166)
Citation 42

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, Government of the United States of America - Office of the Comptroller of the Currency (OCC), University of Nevada, Reno - College of Business and University of Pennsylvania - Finance Department
Downloads 762 (57,048)
Citation 26

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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, Government of the United States of America - Office of the Comptroller of the Currency (OCC), University of Nevada, Reno - College of Business and University of Pennsylvania - Finance Department
Downloads 350 (147,759)
Citation 28

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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, Government of the United States of America - Office of the Comptroller of the Currency (OCC), University of Nevada, Reno - College of Business and University of Pennsylvania - Finance Department
Downloads 226 (231,761)
Citation 16

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

16.

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 Government of the United States of America - Office of the Comptroller of the Currency (OCC)
Downloads 1,263 (28,543)
Citation 2

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

17.

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

Downloads 1,178 (31,555)
Citation 25

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

Columbia Business School Research Paper No. 15-85, Kreisman Working Papers Series in Housing Law and Policy No. 27
Number of pages: 77 Posted: 21 Sep 2015 Last Revised: 24 Apr 2020
Sumit Agarwal, Gene Amromin, Souphala Chomsisengphet, Tim Landvoigt, Tomasz Piskorski, Amit Seru and Vincent Yao
National University of Singapore, Federal Reserve Bank of Chicago, Government of the United States of America - Office of the Comptroller of the Currency (OCC), University of Pennsylvania - The Wharton School, Columbia University - Columbia Business School, Finance, Stanford University and Georgia State University - J. Mack Robinson College of Business
Downloads 1,124 (33,247)
Citation 14

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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: 78 Posted: 31 Aug 2015 Last Revised: 13 Apr 2023
Sumit Agarwal, Gene Amromin, Souphala Chomsisengphet, Tomasz Piskorski, Amit Seru and Vincent Yao
National University of Singapore, Federal Reserve Bank of Chicago, Government of the United States of America - Office of the Comptroller of the Currency (OCC), Columbia University - Columbia Business School, Finance, Stanford University and Georgia State University - J. Mack Robinson College of Business
Downloads 54 (650,724)
Citation 4

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18.

Financial Counseling, Financial Literacy, and Household Decision Making

Pension Research Council WP 2010-34
Number of pages: 44 Posted: 24 Jun 2010 Last Revised: 29 Aug 2022
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, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 1,067 (36,335)
Citation 15

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Financial literacy, Household finance, Financial Literacy, Consumer Behavior

19.

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

Number of pages: 60 Posted: 27 Dec 2018 Last Revised: 14 Oct 2020
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 Zhejiang University
Downloads 1,054 (37,015)
Citation 3

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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

20.

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 1,003 (39,680)
Citation 15

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

21.

FinTech, Lending and Payment Innovation: A Review

Asia-Pacific Journal of Financial Studies, 2020
Number of pages: 19 Posted: 06 May 2020
Sumit Agarwal and Jian Zhang
National University of Singapore and The University of Hong Kong - Faculty of Business and Economics
Downloads 967 (41,758)

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FinTech; Banks; Lending; Payments; Household Finance

22.

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 959 (42,283)
Citation 59

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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.

23.

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

Downloads 934 (43,873)
Citation 15

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 538 (89,167)
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 396 (128,646)
Citation 19

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

24.

Thy Neighbor’s Misfortune: Peer Effect on Consumption

American Economic Journal: Economic Policy, forthcoming
Number of pages: 78 Posted: 19 May 2016 Last Revised: 12 Oct 2020
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 921 (44,705)
Citation 31

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

25.

Disaggregated Sales and Stock Returns

Management Science
Number of pages: 56 Posted: 09 Jan 2017 Last Revised: 11 May 2022
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 826 (51,948)
Citation 6

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

26.

Predatory Lending and the Subprime Crisis

Downloads 804 (53,839)
Citation 53

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, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 746 (58,684)
Citation 1

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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 Last Revised: 03 Jun 2023
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, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 58 (628,294)
Citation 21

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27.

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: 29 Aug 2022
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, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 781 (55,974)
Citation 35

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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

28.

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 778 (56,263)

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

29.

Refinancing Inequality During the COVID-19 Pandemic

Downloads 770 (57,048)
Citation 6

Refinancing Inequality During the COVID-19 Pandemic

Number of pages: 86 Posted: 16 Dec 2020 Last Revised: 26 Feb 2023
Sumit Agarwal, Souphala Chomsisengphet, Hua Kiefer, Leonard C. Kiefer and Paolina C. Medina
National University of Singapore, Government of the United States of America - Office of the Comptroller of the Currency (OCC), FDIC, Federal Home Loan Mortgage Corporation (FHLMC) and University of Houston
Downloads 679 (66,405)
Citation 7

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Mortgage Market, Refinancing, COVID-19, Wealth Inequality

Refinancing Inequality during the COVID-19 Pandemic

FDIC Center for Financial Research Paper No. 2021-08
Number of pages: 74 Posted: 08 Dec 2021
Hua Kiefer, Leonard C. Kiefer, Sumit Agarwal, Paolina C. Medina and Souphala Chomsisengphet
FDIC, Federal Home Loan Mortgage Corporation (FHLMC), National University of Singapore, University of Houston and Government of the United States of America - Office of the Comptroller of the Currency (OCC)
Downloads 91 (484,967)
Citation 2

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30.

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, Johns Hopkins University and Michigan State University - Department of Finance
Downloads 767 (57,352)
Citation 12

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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

31.

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

Downloads 767 (57,352)
Citation 187

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 714 (62,210)
Citation 4

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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: 04 Dec 2022
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 53 (656,648)
Citation 165

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32.

What Shapes Consumer Choice and Financial Products? - A Review

Downloads 744 (59,747)

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, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and EDHEC Business School
Downloads 744 (58,893)
Citation 9

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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, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and EDHEC Business School

Abstract:

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33.

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 739 (60,266)
Citation 21

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

34.

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 The University of Hong Kong - Faculty of Business and Economics
Downloads 734 (60,784)
Citation 28

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

35.

Disguised Pollution: Industrial Activities in the Dark

Downloads 724 (61,938)
Citation 5

Disguised Pollution: Industrial Activities in the Dark

Number of pages: 61 Posted: 23 Apr 2019 Last Revised: 15 May 2023
Sumit Agarwal, Yajie Han, Yu Qin and Hongjia Zhu
National University of Singapore, Business School, National University of Singapore, National University of Singapore (NUS) - Department of Real Estate and Jinan University
Downloads 699 (63,951)
Citation 2

Abstract:

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air pollution; disguised behavior; industrial firms; inspections; China

Disguised Pollution: Industrial Activities in the Dark

Number of pages: 54 Posted: 26 Aug 2022
Sumit Agarwal, YAJIE HAN, Yu Qin and Hongjia Zhu
National University of Singapore, affiliation not provided to SSRN, affiliation not provided to SSRN and Jinan University
Downloads 25 (864,781)
Citation 5

Abstract:

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Air pollution, disguised behavior, industrial firms, inspections, China

36.

Labor Mobility and Loan Origination

Journal of Financial and Quantitative Analysis, accepted
Number of pages: 59 Posted: 28 Jun 2019 Last Revised: 07 Feb 2023
Sumit Agarwal, Yupeng Lin, Yunqi Zhang and Zilong Zhang
National University of Singapore, National University of Singapore (NUS) - NUS Business School, School of Finance, Nankai University and Zhejiang University
Downloads 710 (63,597)

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Mortgage Default, Modification, Loan Screening, Labor Mobility, Trade Secret Law

37.

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 660 (69,818)
Citation 14

Abstract:

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

38.

Searching for Approval

Downloads 638 (72,935)
Citation 4

Searching for Approval

Number of pages: 77 Posted: 30 Jun 2020
Sumit Agarwal, John Grigsby, Ali Hortaçsu, Gregor Matvos, Amit Seru and Vincent Yao
National University of Singapore, University of Chicago, University of Chicago, Northwestern University - Kellogg School of Management, Stanford University and Georgia State University - J. Mack Robinson College of Business
Downloads 559 (84,954)

Abstract:

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Search, Screening, Mortgages, Credit Markets, Approval, Rejection, Fintech, AI, CRA

Searching for Approval

NBER Working Paper No. w27341
Number of pages: 78 Posted: 09 Jun 2020 Last Revised: 17 Mar 2023
Sumit Agarwal, John Grigsby, Ali Hortaçsu, Gregor Matvos, Amit Seru and Vincent Yao
National University of Singapore, University of Chicago, University of Chicago, Northwestern University - Kellogg School of Management, Stanford University and Georgia State University - J. Mack Robinson College of Business
Downloads 79 (529,735)
Citation 3

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39.

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

Downloads 626 (74,609)
Citation 41

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 541 (88,501)
Citation 45

Abstract:

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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 2022
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 85 (506,473)

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40.

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, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 624 (74,925)
Citation 1

Abstract:

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Financial counseling, subprime crisis, predatory lending, household finance

41.

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 Institute for Fiscal Studies (IFS)
Downloads 614 (76,412)
Citation 66

Abstract:

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consumption, minimum wage, debt, liquidity constraint, durables

42.

Did the Paycheck Protection Program Help Small Businesses? Evidence from Commercial Mortgage-backed Securities

Number of pages: 75 Posted: 16 Aug 2020 Last Revised: 13 Dec 2022
Sumit Agarwal, Brent W. Ambrose, Luis A. Lopez and Xue Xiao
National University of Singapore, Pennsylvania State University, University of Illinois at Chicago and Virginia Tech - Pamplin College of Business
Downloads 613 (76,568)
Citation 5

Abstract:

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COVID-19, CARES Act, Paycheck Protection Program, Mortgages

43.

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

Journal of Financial and Quantitative Analysis, March 2021
Number of pages: 58 Posted: 06 Dec 2016 Last Revised: 28 May 2021
Sumit Agarwal, Shashwat Alok, Yakshup Chopra and Prasanna L. Tantri
National University of Singapore, Indian School of Business (ISB), Hyderabad, University of Miami - Department of Finance and Indian School of Business
Downloads 611 (76,896)
Citation 5

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

44.

Interest Rate Pass-Through and Consumption Response: the Deposit Channel

Number of pages: 68 Posted: 09 Feb 2017 Last Revised: 24 Apr 2020
Sumit Agarwal, Souphala Chomsisengphet, Yildiray Yildirim and Jian Zhang
National University of Singapore, Government of the United States of America - Office of the Comptroller of the Currency (OCC), Zicklin School of Business, Baruch College - The City University of New York and The University of Hong Kong - Faculty of Business and Economics
Downloads 603 (78,129)
Citation 2

Abstract:

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Interest Rate Shock, Consumption, Big Data, Household Finance, Banking

45.

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 587 (80,774)
Citation 55

Abstract:

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

46.

Digital Payments and Consumption: Evidence from the 2016 Demonetization in India

Number of pages: 69 Posted: 28 Jul 2020 Last Revised: 14 Dec 2022
Sumit Agarwal, Pulak Ghosh, Jing Li and Tianyue Ruan
National University of Singapore, Indian Institute of Management (IIMB), Bangalore, Singapore Management University and National University of Singapore (NUS) - Department of Finance
Downloads 576 (82,729)
Citation 4

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digital payments, financial technology, consumption, India, Demonetization

47.

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, Mariacristina De Nardi and Mariacristina De Nardi
National University of Singapore, affiliation not provided to SSRN, affiliation not provided to SSRN and Federal Reserve Bank of ChicagoUniversity College London, Economics Dpt.
Downloads 568 (84,208)
Citation 5

Abstract:

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securitization, credit crises, TALF

48.

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 565 (84,793)
Citation 8

Abstract:

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

49.

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 557 (86,304)
Citation 24

Abstract:

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Household finance, Credit Cards, Home Equity, AFQT Scores

50.

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 544 (88,862)
Citation 3

Abstract:

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Labor Supply, Reference Dependent Preferences, Cab Drivers

51.

Tax Evasion, Capital Gains Taxes, and the Housing Market

Number of pages: 91 Posted: 12 Sep 2018 Last Revised: 29 May 2020
Sumit Agarwal, Keyang Li, Yu Qin, Jing Wu and Jubo Yan
National University of Singapore, University of International Business and Economics (UIBE) - School of International Trade and Economics, National University of Singapore (NUS) - Department of Real Estate, Tsinghua University - Hang Lung Center for Real Estate and Nanyang Technological University - School of Social Sciences
Downloads 543 (89,079)
Citation 11

Abstract:

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Tax Evasion, Tax Avoidance, Capital Gains Tax, Housing Market, Housing Policy

52.

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 at Manoa - Shidler College of Business and Rutgers, The State University of New Jersey - Rutgers University, Camden
Downloads 539 (89,934)

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

53.

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 535 (90,807)
Citation 99

Abstract:

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Distance, Small Business, Information Asymmetries, Banking

54.

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 529 (92,069)
Citation 10

Abstract:

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

55.

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

Downloads 505 (97,441)
Citation 9

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 397 (128,256)
Citation 10

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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 108 (430,734)
Citation 3

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

56.

Impact of Transboundary Haze Pollution on Household Utilities Consumption

Georgetown McDonough School of Business Research Paper No. 2942096
Number of pages: 59 Posted: 28 Mar 2017 Last Revised: 19 Nov 2019
Sumit Agarwal, Tien Foo Sing and Zoe 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 499 (98,824)
Citation 1

Abstract:

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

57.

Transient Customer Response to Data Breaches of Their Information

Number of pages: 91 Posted: 30 Nov 2020 Last Revised: 10 Nov 2023
Sumit Agarwal, Pulak Ghosh, Tianyue Ruan and Yunqi Zhang
National University of Singapore, Indian Institute of Management (IIMB), Bangalore, National University of Singapore (NUS) - Department of Finance and School of Finance, Nankai University
Downloads 495 (99,820)

Abstract:

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data breach, convenience, privacy, digital economy

58.

Why Do Borrowers Make Mortgage Refinancing Mistakes?

Downloads 495 (99,820)
Citation 50

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 347 (149,106)
Citation 12

Abstract:

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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 148 (338,131)
Citation 26

Abstract:

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

59.

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, Yonsei University, Mirae Campus and National University of Singapore (NUS) - Department of Real Estate
Downloads 489 (101,333)
Citation 2

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

60.

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

Downloads 489 (101,333)

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, Government of the United States of America - Office of the Comptroller of the Currency (OCC), University of Hawaii at Manoa - Shidler College of Business and University of Nevada, Reno - College of Business
Downloads 489 (100,261)

Abstract:

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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, Government of the United States of America - Office of the Comptroller of the Currency (OCC), University of Nevada, Reno - College of Business and University of Hawaii at Manoa - Shidler College of Business

Abstract:

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Loan-Loss Provision, Security Gains, Earnings Management

61.

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 483 (102,869)
Citation 26

Abstract:

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

62.

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: 29 Aug 2022
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, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 481 (103,387)
Citation 29

Abstract:

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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

63.

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 481 (103,387)
Citation 36

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64.

The Impact of Fertility Relaxation on the Gender Wage Gap

Number of pages: 63 Posted: 10 Jan 2020 Last Revised: 02 Aug 2023
Sumit Agarwal, Keyang Li, Yu Qin and Jing Wu
National University of Singapore, University of International Business and Economics (UIBE) - School of International Trade and Economics, National University of Singapore (NUS) - Department of Real Estate and Tsinghua University - Hang Lung Center for Real Estate
Downloads 478 (104,690)
Citation 3

Abstract:

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One-Child Policy; Gender Wage Gap; Labor Market

65.

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 462 (108,435)
Citation 5

Abstract:

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

66.

An Empirical Analysis of Home Equity Loan and Line Performance

Downloads 457 (109,869)

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, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business
Downloads 457 (108,743)
Citation 10

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Home Equity Loans and Lines, Prepayment, Capital Regulations

An Empirical Analysis of Home Equity Loan and Line Performance

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

Abstract:

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Home Equity Loans and Lines, Prepayment, Capital Regulations

67.

Fickle Fingers: Ride-Hail Surge Factors and Taxi Bookings

Agarwal, Sumit, Ben Charoenwong, Shih-Fen Cheng, and Jussi Keppo. "The impact of ride-hail surge factors on taxi bookings." Transportation Research Part C: Emerging Technologies 136 (2022): 103508.
Number of pages: 49 Posted: 25 Apr 2018 Last Revised: 05 Dec 2022
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 449 (112,117)
Citation 4

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

68.

Serving the Underserved: Microcredit as a Pathway to Commercial Banks

Downloads 436 (116,045)
Citation 6

Serving the Underserved: Microcredit as a Pathway to Commercial Banks

Number of pages: 79 Posted: 07 Oct 2018 Last Revised: 01 Apr 2021
Sumit Agarwal, Thomas Kigabo, Camelia Minoiu, Andrea Presbitero and André F. Silva
National University of Singapore, National Bank of Rwanda, Federal Reserve Bank of Atlanta, International Monetary Fund (IMF) and Board of Governors of the Federal Reserve System
Downloads 316 (164,918)

Abstract:

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Access to credit, microfinance, unbanked, credit bureau, bank loans

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 Bank of Atlanta, International Monetary Fund (IMF) and Board of Governors of the Federal Reserve System
Downloads 67 (582,595)

Abstract:

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

Serving the Underserved: Microcredit as a Pathway to Commercial Banks

FEDS Working Paper No. 2021-41
Number of pages: 78 Posted: 28 Jul 2021 Last Revised: 18 Jun 2022
Sumit Agarwal, Thomas Kigabo, Camelia Minoiu, Andrea Presbitero and André F. Silva
National University of Singapore, National Bank of Rwanda, Federal Reserve Bank of Atlanta, International Monetary Fund (IMF) and Board of Governors of the Federal Reserve System
Downloads 53 (656,648)

Abstract:

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Access to credit, Microfinance, Unbanked, credit bureaus, Bank loans

Serving the Underserved: Microcredit as a Pathway to Commercial Banks

CEPR Discussion Paper No. DP16013
Number of pages: 83 Posted: 14 May 2021
Sumit Agarwal, Thomas Kigabo, Camelia Minoiu, Andrea Presbitero and André F. Silva
National University of Singapore, National Bank of Rwanda, Federal Reserve Bank of Atlanta, International Monetary Fund (IMF) and Board of Governors of the Federal Reserve System
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Citation 5
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69.

Minimum Wage Increases and Eviction Risk

Downloads 434 (116,700)

Minimum Wage Increases and Eviction Risk

Journal of Urban Economics, Forthcoming
Number of pages: 57 Posted: 21 Dec 2018 Last Revised: 08 Dec 2021
Sumit Agarwal, Brent W. Ambrose and Moussa Diop
National University of Singapore, Pennsylvania State University and University of Southern California
Downloads 404 (125,659)

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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
Number of pages: 42 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
Downloads 30 (820,517)

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

70.

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, College of Business, Korea Advanced Institute of Science and Technology (KAIST), Nankai University - School of Economics and National University of Singapore (NUS) - Department of Real Estate
Downloads 428 (118,626)
Citation 18

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

71.

Tax Differential and Cross-Border Shopping: Evidence from Singapore

Downloads 413 (123,678)
Citation 5

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, Government of the United States of America - Office of the Comptroller of the Currency (OCC), National University of Singapore - NUS Business School and National University of Singapore (NUS)
Downloads 286 (183,219)
Citation 2

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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, Government of the United States of America - Office of the Comptroller of the Currency (OCC), National University of Singapore - NUS Business School and Singapore University of Social Sciences
Downloads 127 (381,422)
Citation 3

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

72.

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 Singapore Management University
Downloads 399 (128,663)
Citation 3

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

73.

How Does Financial Literacy Affect Mortgage Default?

Downloads 395 (130,166)

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, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and School of Finance, Nankai University
Downloads 395 (129,032)
Citation 1

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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, Government of the United States of America - 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

74.

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

Downloads 393 (130,879)
Citation 45

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 228 (229,886)
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 105 (439,651)
Citation 1

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

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

NBER Working Paper No. w19606
Number of pages: 51 Posted: 01 Nov 2013 Last Revised: 27 Jan 2023
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 60 (617,296)
Citation 15

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75.

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 Yonsei University, Mirae Campus
Downloads 392 (131,278)

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

76.

Benefits of Relationship Banking: Evidence from Consumer Credit Markets

Downloads 388 (132,770)
Citation 42

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, Government of the United States of America - Office of the Comptroller of the Currency (OCC), University of Nevada, Reno - College of Business and University of Pennsylvania - Finance Department
Downloads 217 (240,913)
Citation 40

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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, Government of the United States of America - Office of the Comptroller of the Currency (OCC), University of Nevada, Reno - College of Business, Singapore Management University and University of Pennsylvania - Finance Department
Downloads 171 (298,972)
Citation 15

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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, Government of the United States of America - Office of the Comptroller of the Currency (OCC), University of Nevada, Reno - College of Business and University of Pennsylvania - Finance Department

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

77.

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 - Dept of Accounting and National University of Singapore (NUS) - Department of Real Estate
Downloads 385 (133,999)
Citation 1

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Board of Directors, Golf, Gender, Board Diversity

78.

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 380 (135,948)
Citation 5

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

79.

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 379 (136,349)
Citation 19

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

80.

Preferences of Public Transit Commuters: Evidence from Smart Card Data in Singapore

Georgetown McDonough School of Business Research Paper No. 3036259
Number of pages: 47 Posted: 15 Sep 2017 Last Revised: 05 Oct 2020
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 374 (138,333)

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Public transportation, travel preference, value of travel time, value of reliability, big data

81.

Do Sanitary Pads Alleviate Period Poverty and Improve Girls' Educational Outcomes?

Number of pages: 76 Posted: 19 Aug 2022
Sumit Agarwal, Liu Ee Chia and Pulak Ghosh
National University of Singapore, Pennsylvania State University - Smeal College of Business and affiliation not provided to SSRN
Downloads 371 (139,606)

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82.

Saving Tax Incentives and Consumption: Evidence from a Policy Experiment

Number of pages: 56 Posted: 17 Aug 2017 Last Revised: 29 Jun 2022
Sumit Agarwal, Souphala Chomsisengphet, Pulak Ghosh, Tianyue Ruan and Man Zhang
National University of Singapore, Government of the United States of America - Office of the Comptroller of the Currency (OCC), Indian Institute of Management (IIMB), Bangalore, National University of Singapore (NUS) - Department of Finance and University of Sydney
Downloads 355 (146,536)
Citation 1

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

83.

The Mistakes People Make: Financial Decision Making when Buying and Owning a Home

MIT Center for Real Estate Research Paper No. 21/09
Number of pages: 56 Posted: 17 Feb 2021
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 354 (146,995)

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

84.

Impact of Transboundary Air Pollution on Service Quality and Consumer Satisfaction

Downloads 345 (151,118)
Citation 3

Impact of Transboundary Air Pollution on Service Quality and Consumer Satisfaction

Journal of Economic Behavior and Organization, Forthcoming
Number of pages: 45 Posted: 26 Jun 2018 Last Revised: 19 Oct 2021
Sumit Agarwal, Long Wang and Zoe Yang
National University of Singapore, Fudan University - School of Economics and The Chinese University of Hong Kong - CUHK Business School
Downloads 262 (200,298)
Citation 2