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Souphala Chomsisengphet

Office of the Comptroller of the Currency (OCC)

400 7th Street, SW

Washington, DC 20219

United States

  • Office of the Comptroller of the Currency (OCC)

    • Email
    • Tel: 202-649-5533
SCHOLARLY PAPERS

50

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Top 1,351

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17,671

CITATIONS
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Top 2,967

in Total Papers Citations

187

Scholarly Papers (50)

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1.

Regulating Consumer Financial Products: Evidence from Credit Cards

Downloads 2,007 ( 5,523)

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
Georgetown University - Department of Finance, Office of the Comptroller of the Currency (OCC), University of Chicago Booth School of Business and New York University (NYU)
Downloads 1,987 (5,484)

Abstract:

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
Sumit Agarwal, Souphala Chomsisengphet, Neale Mahoney and Johannes Stroebel
Georgetown University - Department of Finance, Office of the Comptroller of the Currency (OCC), University of Chicago Booth School of Business and New York University (NYU)
Downloads 20 (461,243)

Abstract:

2.

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

Downloads 1,955 ( 5,753)
Citation 2

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

Journal of Political Economy, Forthcoming, Fisher College of Business Working Paper No. 2012-03-020, Charles A. Dice Center Working Paper No. 2012-20
Number of pages: 63 Posted: 29 Aug 2012 Last Revised: 21 Jul 2016
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet, Tomasz Piskorski and Amit Seru
Georgetown University - Department of Finance, Federal Reserve Bank of Chicago, Ohio State University - Fisher College of Business, Finance Department, Office of the Comptroller of the Currency (OCC), Columbia Business School - Finance and Economics and Stanford University
Downloads 1,836 (6,300)
Citation 2

Abstract:

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

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

FRB of Chicago Working Paper No. 2013-27, Kreisman Working Papers Series in Housing Law and Policy No. 7
Number of pages: 69 Posted: 28 Jan 2014
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet, Tomasz Piskorski and Amit Seru
Georgetown University - Department of Finance, Federal Reserve Bank of Chicago, Ohio State University - Fisher College of Business, Finance Department, Office of the Comptroller of the Currency (OCC), Columbia Business School - Finance and Economics and Stanford University
Downloads 106 (214,982)
Citation 2

Abstract:

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

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

NBER Working Paper No. w18311
Number of pages: 63 Posted: 30 Aug 2012
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet, Tomasz Piskorski and Amit Seru
Georgetown University - Department of Finance, Federal Reserve Bank of Chicago, Ohio State University - Fisher College of Business, Finance Department, Office of the Comptroller of the Currency (OCC), Columbia Business School - Finance and Economics and Stanford University
Downloads 13 (501,947)
Citation 2

Abstract:

3.

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

Downloads 1,100 ( 14,898)

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

Number of pages: 95 Posted: 11 Jun 2015 Last Revised: 13 May 2017
Sumit Agarwal, Souphala Chomsisengphet, Neale Mahoney and Johannes Stroebel
Georgetown University - Department of Finance, Office of the Comptroller of the Currency (OCC), University of Chicago Booth School of Business and New York University (NYU)
Downloads 1,056 (15,617)

Abstract:

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
Georgetown University - Department of Finance, Office of the Comptroller of the Currency (OCC), University of Chicago Booth School of Business and New York University (NYU)
Downloads 31 (403,055)

Abstract:

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
Georgetown University - Department of Finance, Office of the Comptroller of the Currency (OCC), University of Chicago Booth School of Business and New York University (NYU)
Downloads 13 (501,947)
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Abstract:

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
Georgetown University - Department of Finance, Office of the Comptroller of the Currency (OCC), University of Chicago Booth School of Business and New York University (NYU)
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Abstract:

asymmetric information, credit card market, monetary policy, pass-through

4.

Do Consumers Choose the Right Credit Contracts?

Downloads 1,069 ( 15,588)
Citation 36

Do Consumers Choose the Right Credit Contracts?

Number of pages: 26 Posted: 13 Nov 2005 Last Revised: 18 Mar 2015
Sumit Agarwal, Souphala Chomsisengphet, Chunlin Liu and Nicholas S. Souleles
Georgetown University - Department of Finance, Office of the Comptroller of the Currency (OCC), University of Nevada, Reno - College of Business and University of Pennsylvania - Finance Department
Downloads 662 (30,759)
Citation 36

Abstract:

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
Georgetown University - Department of Finance, Office of the Comptroller of the Currency (OCC), University of Nevada, Reno - College of Business and University of Pennsylvania - Finance Department
Downloads 310 (79,373)
Citation 36

Abstract:

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
Georgetown University - Department of Finance, Office of the Comptroller of the Currency (OCC), University of Nevada, Reno - College of Business and University of Pennsylvania - Finance Department
Downloads 97 (228,897)
Citation 34

Abstract:

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

5.

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
Georgetown University - Department of Finance, Federal Reserve Bank of Chicago, Ohio State University - Fisher College of Business, Finance Department, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 1,044 (11,566)

Abstract:

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

6.

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
Georgetown University - Department of Finance, Federal Reserve Bank of Chicago, Ohio State University - Fisher College of Business, Finance Department, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 800 (23,947)
Citation 4

Abstract:

Financial literacy, Household finance, Financial Literacy, Consumer Behavior

7.

The Role of Securitization in Mortgage Renegotiation

Fisher College of Business Working Paper No. 2011-03-002, Charles A. Dice Center Working Paper No. 2011-2, FRB of Chicago Working Paper No. 2011-02
Number of pages: 48 Posted: 17 Jan 2011 Last Revised: 14 Mar 2011
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet and Douglas D. Evanoff
Georgetown University - Department of Finance, Federal Reserve Bank of Chicago, Ohio State University - Fisher College of Business, Finance Department, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 641 (32,631)
Citation 17

Abstract:

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

8.

Predatory Lending and the Subprime Crisis

Downloads 617 ( 34,358)

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
Georgetown University - Department of Finance, Ohio State University - Fisher College of Business, Finance Department, Federal Reserve Bank of Chicago, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 601 (35,022)

Abstract:

Predatory lending, subprime crisis, household finance, default

Predatory Lending and the Subprime Crisis

NBER Working Paper No. w19550
Number of pages: 56 Posted: 18 Oct 2013
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet and Douglas D. Evanoff
Georgetown University - Department of Finance, Federal Reserve Bank of Chicago, Ohio State University - Fisher College of Business, Finance Department, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 16 (484,462)

Abstract:

9.

Benefits of Relationship Banking: Evidence from Consumer Credit Markets

Downloads 520 ( 42,974)
Citation 8

Benefits of Relationship Banking: Evidence from Consumer Credit Markets

Number of pages: 39 Posted: 31 Jul 2009 Last Revised: 13 Dec 2011
Sumit Agarwal, Souphala Chomsisengphet, Chunlin Liu and Nicholas S. Souleles
Georgetown University - Department of Finance, Office of the Comptroller of the Currency (OCC), University of Nevada, Reno - College of Business and University of Pennsylvania - Finance Department
Downloads 372 (64,200)
Citation 8

Abstract:

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

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
Georgetown University - Department of Finance, Office of the Comptroller of the Currency (OCC), University of Nevada, Reno - College of Business and University of Pennsylvania - Finance Department
Downloads 138 (175,412)
Citation 8

Abstract:

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

Benefits of Relationship Banking: Evidence from Consumer Credit Markets

Number of pages: 27 Posted: 19 Mar 2009
Sumit Agarwal, Souphala Chomsisengphet, Chunlin Liu and Nicholas S. Souleles
Georgetown University - Department of Finance, Office of the Comptroller of the Currency (OCC), University of Nevada, Reno - College of Business and University of Pennsylvania - Finance Department
Downloads 10 (519,124)
Citation 8

Abstract:

10.

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

Fisher College of Business Working Paper No. 2008-03-020, Charles A. Dice Center Working Paper No. 2008-20, Paolo Baffi Centre Research Paper No. 2009-51, FDIC Center for Financial Research Working Paper No. 2009-04, FRB of Chicago Working Paper No. 2009-7, Networks Financial Institute Working Paper 2011-WP-12, AFA 2010 Atlanta Meetings Paper, EFA 2009 Bergen Meetings Paper
Number of pages: 37 Posted: 20 Oct 2008 Last Revised: 14 Sep 2014
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet and Douglas D. Evanoff
Georgetown University - Department of Finance, Federal Reserve Bank of Chicago, Ohio State University - Fisher College of Business, Finance Department, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 492 (46,048)
Citation 12

Abstract:

Financial counseling, subprime crisis, predatory lending, household finance

11.

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
Georgetown University - Department of Finance, Pennsylvania State University and Office of the Comptroller of the Currency (OCC)
Downloads 453 (34,865)

Abstract:

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

12.

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

Downloads 437 ( 53,360)
Citation 5

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

Number of pages: 31 Posted: 26 Jan 2005
Sumit Agarwal, Souphala Chomsisengphet, S. Ghon Rhee and Chunlin Liu
Georgetown University - Department of Finance, Office of the Comptroller of the Currency (OCC), University of Hawaii - Shidler College of Business and University of Nevada, Reno - College of Business
Downloads 437 (52,812)
Citation 5

Abstract:

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
Georgetown University - Department of Finance, Office of the Comptroller of the Currency (OCC), University of Nevada, Reno - College of Business and University of Hawaii - Shidler College of Business

Abstract:

Loan-Loss Provision, Security Gains, Earnings Management

13.

What 'Triggers' Mortgage Default?

FRB of Philadelphia Working Paper No. 10-13
Number of pages: 15 Posted: 29 Apr 2010 Last Revised: 13 Dec 2011
Ronel Elul, Nicholas S. Souleles, Souphala Chomsisengphet, Dennis Glennon and Robert M. Hunt
Federal Reserve Bank of Philadelphia, University of Pennsylvania - Finance Department, Office of the Comptroller of the Currency (OCC), Government of the United States of America - Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Philadelphia
Downloads 430 (34,716)
Citation 17

Abstract:

Mortgages, Mortgage Default, Negative Equity, Illiquidity, Double Trigger, Consumer Credit, Household Finance

14.

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

Downloads 409 ( 57,886)

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

Columbia Business School Research Paper No. 15-85, Kreisman Working Papers Series in Housing Law and Policy No. 27
Number of pages: 61 Posted: 21 Sep 2015 Last Revised: 03 Nov 2015
Sumit Agarwal, Gene Amromin, Souphala Chomsisengphet, Tomasz Piskorski, Amit Seru and Vincent W. Yao
Georgetown University - Department of Finance, Federal Reserve Bank of Chicago, Office of the Comptroller of the Currency (OCC), Columbia Business School - Finance and Economics, Stanford University and Georgia State University - J. Mack Robinson College of Business
Downloads 398 (59,262)

Abstract:

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

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

NBER Working Paper No. w21512
Number of pages: 58 Posted: 31 Aug 2015
Sumit Agarwal, Gene Amromin, Souphala Chomsisengphet, Tomasz Piskorski, Amit Seru and Vincent W. Yao
Georgetown University - Department of Finance, Federal Reserve Bank of Chicago, Office of the Comptroller of the Currency (OCC), Columbia Business School - Finance and Economics, Stanford University and Georgia State University - J. Mack Robinson College of Business
Downloads 11 (513,614)
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Abstract:

15.

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
Georgetown University - Department of Finance, Federal Reserve Bank of Chicago, Ohio State University - Fisher College of Business, Finance Department, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 391 (61,165)
Citation 11

Abstract:

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

16.

An Empirical Analysis of Home Equity Loan and Line Performance

Downloads 391 ( 61,165)
Citation 9

An Empirical Analysis of Home Equity Loan and Line Performance

Number of pages: 44 Posted: 17 Sep 2004
Sumit Agarwal, Brent W. Ambrose, Souphala Chomsisengphet and Chunlin Liu
Georgetown University - Department of Finance, Pennsylvania State University, Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business
Downloads 391 (60,564)
Citation 9

Abstract:

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
Georgetown University - Department of Finance, Pennsylvania State University, Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business

Abstract:

Home Equity Loans and Lines, Prepayment, Capital Regulations

17.

Subprime Refinancing: Equity Extraction and Mortgage Termination

Downloads 389 ( 61,530)
Citation 15

Subprime Refinancing: Equity Extraction and Mortgage Termination

FRB of St. Louis Working Paper No. 2006-023A
Number of pages: 44 Posted: 20 Apr 2006
Souphala Chomsisengphet and Anthony Pennington-Cross
Office of the Comptroller of the Currency (OCC) and Marquette University - Dept. of Finance
Downloads 369 (64,824)
Citation 15

Abstract:

Mortgage, Refinance, Cash-out, Consumption

Subprime Refinancing: Equity Extraction and Mortgage Termination

Real Estate Economics, Vol. 35, No. 2, pp. 233-263, Summer 2007
Number of pages: 31 Posted: 24 May 2007
Anthony Pennington-Cross and Souphala Chomsisengphet
Marquette University - Dept. of Finance and Office of the Comptroller of the Currency (OCC)
Downloads 20 (461,243)
Citation 15
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Abstract:

18.

Product Innovation & Mortgage Selection in the Subprime Era

Number of pages: 37 Posted: 28 Oct 2008
Souphala Chomsisengphet, Timothy Murphy and Anthony Pennington-Cross
Office of the Comptroller of the Currency (OCC), affiliation not provided to SSRN and Marquette University - Dept. of Finance
Downloads 276 (88,268)
Citation 2

Abstract:

mortgage, subprime, alternative

19.

Mortgage Product Substitution and State Anti-Predatory Lending Laws: Better Loans and Better Borrowers?

Atlantic Economic Journal, Vol. 40, p. 273, 2012, U of Penn, Inst for Law & Econ Research Paper No. 09-27, Suffolk University Law School Research Paper No. 09-44
Number of pages: 51 Posted: 26 Aug 2009 Last Revised: 24 Oct 2012
Raphael W. Bostic, Souphala Chomsisengphet, Kathleen C. Engel, Patricia A. McCoy, Anthony Pennington-Cross and Susan M. Wachter
Federal Reserve Banks - Federal Reserve Bank of Atlanta, Office of the Comptroller of the Currency (OCC), Suffolk University Law School, Boston College Law School, Marquette University - Dept. of Finance and University of Pennsylvania - Wharton School, Department of Real Estate
Downloads 273 (84,852)
Citation 4

Abstract:

Real estate, mortgages, housing, abusive lending, predatory lending, mortgage products, product substitution, adjustment to prohibition

20.

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
Georgetown University - Department of Finance, Office of the Comptroller of the Currency (OCC) and Federal Reserve Board
Downloads 216 (111,129)
Citation 6

Abstract:

Bank loan commitment; credit lines, private firms

21.

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
Georgetown University - Department of Finance, Federal Reserve Bank of Chicago, Ohio State University - Fisher College of Business, Finance Department, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 213 (95,152)
Citation 8

Abstract:

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

22.

Second Liens and the Holdup Problem in Mortgage Renegotiation

Downloads 198 (127,505)
Citation 1

Second Liens and the Holdup Problem in Mortgage Renegotiation

Charles A. Dice Center Working Paper No. 2014-02, Fisher College of Business Working Paper No. 2014-03-02
Number of pages: 45 Posted: 15 Mar 2012 Last Revised: 21 Mar 2014
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet and Yan Zhang
Georgetown University - Department of Finance, Federal Reserve Bank of Chicago, Ohio State University - Fisher College of Business, Finance Department, Office of the Comptroller of the Currency (OCC) and Government of the United States of America - Office of the Comptroller of the Currency (OCC)
Downloads 193 (130,310)
Citation 1

Abstract:

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

Second Liens and the Holdup Problem in Mortgage Renegotiation

NBER Working Paper No. w20015
Number of pages: 45 Posted: 31 Mar 2014
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet and Yan Zhang
Georgetown University - Department of Finance, Federal Reserve Bank of Chicago, Ohio State University - Fisher College of Business, Finance Department, Office of the Comptroller of the Currency (OCC) and Government of the United States of America - Office of the Comptroller of the Currency (OCC)
Downloads 5 (545,588)
Citation 1

Abstract:

23.

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
Georgetown University - Department of Finance, Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business
Downloads 181 (118,904)
Citation 5

Abstract:

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

24.

Bankruptcy Exemptions, Credit History, and the Mortgage Market

FRB Philadelphia Working Paper No. 04-14
Number of pages: 33 Posted: 03 Oct 2004
Ronel Elul and Souphala Chomsisengphet
Federal Reserve Bank of Philadelphia and Office of the Comptroller of the Currency (OCC)
Downloads 168 (142,856)
Citation 9

Abstract:

Personal Bankruptcy, Mortgage Underwriting, Credit Scores

25.

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
Georgetown University - Department of Finance, Pennsylvania State University, Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business
Downloads 166 (143,578)
Citation 1

Abstract:

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

26.

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
Georgetown University - Department of Finance, Office of the Comptroller of the Currency (OCC) and De Lage Landen Financial Services
Downloads 155 (152,927)
Citation 1

Abstract:

Credit card default, forbearance, loss mitigation, hazard models

27.

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
Georgetown University - Department of Finance, Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business
Downloads 146 (127,505)
Citation 2

Abstract:

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

28.

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
Georgetown University - Department of Finance, Pennsylvania State University, Office of the Comptroller of the Currency (OCC) and George Mason University - School of Business
Downloads 133 (173,929)
Citation 3

Abstract:

Subprime mortgages, default, house price appreciation, Externalities

29.

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
Georgetown University - Department of Finance, Office of the Comptroller of the Currency (OCC), Federal Reserve Bank of Chicago - Economic Research and Vanderbilt University - Law School
Downloads 101 (221,309)
Citation 1

Abstract:

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

30.

The Changing Pecking Order of Consumer Defaults

Journal of Money, Credit, and Banking, Vol. 45, No. 2-3, 2013
Number of pages: 31 Posted: 06 Oct 2011 Last Revised: 05 Sep 2013
Fredrik Andersson, Souphala Chomsisengphet, Dennis Glennon and Feng Li
Office of the Comptroller of the Currency (OCC), Office of the Comptroller of the Currency (OCC), Government of the United States of America - 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 98 (191,605)
Citation 1

Abstract:

Consumer Credit, Pecking Order of Default, Debt Payment Preferences, Mortgage Debt, Credit Card Debt

31.

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
Georgetown University - Department of Finance, Pennsylvania State University, Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business
Downloads 88 (195,252)

Abstract:

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

32.

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
Georgetown University - Department of Finance, Office of the Comptroller of the Currency (OCC), National University of Singapore - NUS Business School and National University of Singapore (NUS)
Downloads 84 (155,411)

Abstract:

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

33.

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
Georgetown University - Department of Finance, Office of the Comptroller of the Currency (OCC), University of Chicago Booth School of Business and New York University (NYU)
Downloads 63 (200,255)
Citation 1

Abstract:

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

34.

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
Georgetown University - Department of Finance, Pennsylvania State University, Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business
Downloads 59 (289,159)
Citation 2

Abstract:

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

35.

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
Georgetown University - Department of Finance, Office of the Comptroller of the Currency (OCC) and Federal Reserve Board
Downloads 43 (340,393)
Citation 1

Abstract:

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

36.

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
Georgetown University - Department of Finance, Office of the Comptroller of the Currency (OCC) and School of Finance, Nankai University
Downloads 39 (232,215)

Abstract:

financial literacy, mortgages, financial crisis, household finance

37.

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
Georgetown University - 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 39 (325,581)

Abstract:

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

38.

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
Georgetown University - Department of Finance, Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business
Downloads 22 (346,787)

Abstract:

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

39.

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
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet and Douglas D. Evanoff
Georgetown University - Department of Finance, Federal Reserve Bank of Chicago, Ohio State University - Fisher College of Business, Finance Department, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 6 (512,247)

Abstract:

40.

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
Georgetown University - Department of Finance, Pennsylvania State University, Office of the Comptroller of the Currency (OCC) and Institute for Justice
Downloads 1 (546,924)
Citation 2
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Abstract:

41.

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

Number of pages: 51 Posted: 17 Aug 2017
Sumit Agarwal, Souphala Chomsisengphet, Pulak Ghosh and Man Zhang
Georgetown University - Department of Finance, Office of the Comptroller of the Currency (OCC), Indian Institute of Management (IIMB), Bangalore and National University of Singapore (NUS) - NUS Business School
Downloads 0

Abstract:

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

42.

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

Georgetown McDonough School of Business Research Paper No. 2913973
Number of pages: 57 Posted: 09 Feb 2017 Last Revised: 26 Jun 2017
Sumit Agarwal, Souphala Chomsisengphet, Yildiray Yildirim and Jian Zhang
Georgetown University - Department of Finance, Office of the Comptroller of the Currency (OCC), CUNY Baruch College - Zicklin School of Business and Hong Kong Baptist University (HKBU) - Department of Finance and Decision Sciences
Downloads 0 (80,477)

Abstract:

Cash Demand, Interest Shock, Liquidity Constraint, Consumption, Big Data, Household Finance

43.

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
Georgetown University - Department of Finance, Office of the Comptroller of the Currency (OCC) and School of Finance, Nankai University

Abstract:

Mortgage, Financial crisis, Household finance, Financial professional

44.

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
Georgetown University - Department of Finance, Office of the Comptroller of the Currency (OCC) and EDHEC-Risk Institute
Downloads 0 (102,452)

Abstract:

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

45.

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
Georgetown University - Department of Finance, Office of the Comptroller of the Currency (OCC) and National University of Singapore
Downloads 0 (192,821)

Abstract:

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

46.

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
Georgetown University - Department of Finance, Pennsylvania State University, Office of the Comptroller of the Currency (OCC) and George Mason University - School of Business

Abstract:

Subprime mortgages; default; house price appreciation

47.

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
Georgetown University - Department of Finance, Office of the Comptroller of the Currency (OCC) and World Bank - Financial Sector Department

Abstract:

Argentine mortgage market, prepayment and default, financial crisis

48.

Determinants of Small Business Default

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

Abstract:

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

49.

Asymmetric Information and the Automobile Loan Market

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

Abstract:

Consumer debt, consumption decisions, prepayment, default

50.

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
Georgetown University - Department of Finance, Office of the Comptroller of the Currency (OCC), University of Nevada, Reno - College of Business and De Lage Landen Financial Services

Abstract:

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

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