Souphala Chomsisengphet

Government of the United States of America - Office of the Comptroller of the Currency (OCC)

400 7th Street SW

Washington, DC 20219

United States

  • Government of the United States of America - Office of the Comptroller of the Currency (OCC)

SCHOLARLY PAPERS

51

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671

Scholarly Papers (51)

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1.

Regulating Consumer Financial Products: Evidence from Credit Cards

Downloads 3,109 ( 6,291)
Citation 107

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 3,038 (6,395)
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 71 (504,035)
Citation 14

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2.

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

Downloads 2,313 ( 9,994)
Citation 119

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 2,168 (10,876)
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 116 (367,435)
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: 13 Jan 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 29 (735,326)
Citation 88

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3.

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 1,805 (14,856)
Citation 10

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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

4.

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

Downloads 1,593 (17,963)
Citation 94

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 1,502 (19,292)
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 58 (560,606)

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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 Dec 2022
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 33 (705,920)
Citation 71

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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

5.

Do Consumers Choose the Right Credit Contracts?

Downloads 1,261 (25,541)
Citation 45

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 752 (52,030)
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 339 (138,065)
Citation 15

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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 170 (271,057)
Citation 16

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

6.

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 1,161 (28,875)
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

7.

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

Downloads 1,089 (31,667)
Citation 21

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 1,046 (33,043)
Citation 9

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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 Mar 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 43 (646,817)
Citation 6

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8.

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 1,023 (34,581)
Citation 12

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Financial literacy, Household finance, Financial Literacy, Consumer Behavior

9.

Predatory Lending and the Subprime Crisis

Downloads 764 (51,656)
Citation 47

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 717 (55,498)
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: 04 Dec 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 47 (617,441)
Citation 6

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10.

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 754 (52,558)
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

11.

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, Government of the United States of America - Office of the Comptroller of the Currency (OCC), Government of the United States of America - Office of the Comptroller of the Currency (OCC) and Consumer Finance Institute, Federal Reserve Bank of Philadelphia
Downloads 723 (55,617)
Citation 42

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

12.

What Shapes Consumer Choice and Financial Products? - A Review

Downloads 698 (58,290)
Citation 7

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 698 (57,477)
Citation 7

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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

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13.

Refinancing Inequality During the COVID-19 Pandemic

Downloads 684 (60,045)
Citation 5

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 Texas A&M University
Downloads 610 (68,819)
Citation 6

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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, Texas A&M University and Government of the United States of America - Office of the Comptroller of the Currency (OCC)
Downloads 74 (492,647)
Citation 2

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14.

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 601 (70,716)
Citation 1

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Financial counseling, subprime crisis, predatory lending, household finance

15.

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 567 (75,973)
Citation 2

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

16.

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

Downloads 479 (93,542)

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 479 (92,634)

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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

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Loan-Loss Provision, Security Gains, Earnings Management

17.

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 463 (97,384)
Citation 29

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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

18.

An Empirical Analysis of Home Equity Loan and Line Performance

Downloads 445 (101,982)
Citation 10

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 445 (101,037)
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

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Home Equity Loans and Lines, Prepayment, Capital Regulations

19.

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
Government of the United States of America - Office of the Comptroller of the Currency (OCC) and Marquette University - Dept. of Finance
Downloads 400 (115,477)
Citation 8

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Mortgage, Refinance, Cash-out, Consumption

20.

Tax Differential and Cross-Border Shopping: Evidence from Singapore

Downloads 389 (119,231)
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 272 (174,051)
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 117 (365,204)
Citation 3

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

21.

Benefits of Relationship Banking: Evidence from Consumer Credit Markets

Downloads 366 (127,794)
Citation 32

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 208 (226,266)
Citation 31

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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 158 (288,392)
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

22.

How Does Financial Literacy Affect Mortgage Default?

Downloads 354 (132,553)

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 354 (131,609)
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

23.

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 Bank of Atlanta, Government of the United States of America - 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 335 (140,684)
Citation 14

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

24.

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 328 (143,862)
Citation 1

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

25.

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: 30 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 318 (148,640)
Citation 9

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

26.

Product Innovation & Mortgage Selection in the Subprime Era

Number of pages: 37 Posted: 28 Oct 2008
Souphala Chomsisengphet, Timothy Murphy and Anthony Pennington-Cross
Government of the United States of America - Office of the Comptroller of the Currency (OCC), affiliation not provided to SSRN and Marquette University - Dept. of Finance
Downloads 315 (150,115)
Citation 3

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mortgage, subprime, alternative

27.

Holdup by Junior Claimholders: Evidence from the Mortgage Market

Downloads 310 (152,659)
Citation 9

Holdup by Junior Claimholders: Evidence from the Mortgage Market

Journal of Financial and Quantitative Analysis (JFQA), Forthcoming, Charles A. Dice Center Working Paper No. 2014-02, Fisher College of Business Working Paper No. 2014-03-02
Number of pages: 47 Posted: 15 Mar 2012 Last Revised: 24 Aug 2022
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet and Yan Zhang
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, 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 283 (167,093)
Citation 8

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

Holdup by Junior Claimholders: Evidence from the Mortgage Market

NBER Working Paper No. w20015
Number of pages: 47 Posted: 31 Mar 2014 Last Revised: 11 Mar 2023
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet and Yan Zhang
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, 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 27 (750,747)

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28.

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

Journal of Money, Credit and Banking, Forthcoming
Number of pages: 18 Posted: 01 Apr 2010
Sumit Agarwal, Souphala Chomsisengphet and Chunlin Liu
National University of Singapore, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business
Downloads 290 (163,739)
Citation 19

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

29.

Loan Commitments and Private Firms

Number of pages: 22 Posted: 22 Sep 2004
Sumit Agarwal, Souphala Chomsisengphet and John C. Driscoll
National University of Singapore, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and Board of Governors of the Federal Reserve System
Downloads 288 (164,918)
Citation 13

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Bank loan commitment; credit lines, private firms

30.

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

Journal of Banking and Finance, Forthcoming
Number of pages: 48 Posted: 23 Oct 2017 Last Revised: 12 Oct 2020
Sumit Agarwal, Souphala Chomsisengphet, Stephan Meier and Xin Zou
National University of Singapore, Government of the United States of America - Office of the Comptroller of the Currency (OCC), Columbia University - Columbia Business School and Hong Kong Baptist University (HKBU)
Downloads 284 (167,386)

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Credit Cards, Mood, Sunshine, Household Finance, Consumption

31.

Consumer Bankruptcy and Default: The Role of Individual Social Capital

Journal of Economic Psychology, Forthcoming
Number of pages: 37 Posted: 23 May 2009 Last Revised: 30 Nov 2010
Sumit Agarwal, Souphala Chomsisengphet and Chunlin Liu
National University of Singapore, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business
Downloads 282 (168,594)
Citation 3

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

32.

Strategic Information Disclosure and Bank Lending

2016 Canadian Academic Accounting Association (CAAA) Annual Conference
Number of pages: 54 Posted: 12 Nov 2015 Last Revised: 16 Jan 2016
Sumit Agarwal, Souphala Chomsisengphet and Susie Qi Wang
National University of Singapore, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and National University of Singapore
Downloads 238 (199,479)
Citation 3

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

33.

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

Number of pages: 53 Posted: 02 Oct 2007
Sumit Agarwal, Brent W. Ambrose, Souphala Chomsisengphet and Chunlin Liu
National University of Singapore, Pennsylvania State University, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business
Downloads 221 (214,211)
Citation 1

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

34.

A Simple Framework for Estimating Consumer Benefits from Regulating Hidden Fees

Number of pages: 15 Posted: 04 Oct 2014
Sumit Agarwal, Souphala Chomsisengphet, Neale Mahoney and Johannes Stroebel
National University of Singapore, 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 201 (233,772)
Citation 5

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

35.

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 Government of the United States of America - Office of the Comptroller of the Currency (OCC)
Downloads 199 (235,809)
Citation 1

Abstract:

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Personal Bankruptcy, Mortgage Underwriting, Credit Scores

36.

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: 29 Aug 2022
Sumit Agarwal, Souphala Chomsisengphet, Robert McMenamin and Paige Marta Skiba
National University of Singapore, Government of the United States of America - Office of the Comptroller of the Currency (OCC), Federal Reserve Bank of Chicago - Economic Research and Vanderbilt University - Law School
Downloads 193 (242,372)
Citation 4

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

37.

Do Forbearance Plans Help Mitigate Credit Card Losses?

Number of pages: 22 Posted: 08 Jul 2005 Last Revised: 17 Jan 2008
Sumit Agarwal, Souphala Chomsisengphet and Lawrence Mielnicki
National University of Singapore, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and De Lage Landen Financial Services
Downloads 187 (249,238)
Citation 1

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Credit card default, forbearance, loss mitigation, hazard models

38.

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), Government of the United States of America - 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 185 (251,645)
Citation 7

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

39.

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

Number of pages: 19 Posted: 02 Aug 2010
Sumit Agarwal, Brent W. Ambrose, Souphala Chomsisengphet and Chunlin Liu
National University of Singapore, Pennsylvania State University, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business
Downloads 165 (277,790)

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

40.

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

Number of pages: 31 Posted: 21 Apr 2010
Sumit Agarwal, Brent W. Ambrose, Souphala Chomsisengphet and Anthony B. Sanders
National University of Singapore, Pennsylvania State University, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and George Mason University - School of Business
Downloads 156 (291,083)
Citation 2

Abstract:

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Subprime mortgages, default, house price appreciation, Externalities

41.

An Empirical Analysis of Information Asymmetry in Home Equity Lending

Journal of Financial Services Research, Forthcoming
Number of pages: 33 Posted: 09 Mar 2015
Sumit Agarwal, Souphala Chomsisengphet and Chunlin Liu
National University of Singapore, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business
Downloads 97 (413,380)
Citation 1

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

42.

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

Journal of Money, Credit, and Banking, Forthcoming
Number of pages: 34 Posted: 11 Nov 2010
Sumit Agarwal, Brent W. Ambrose, Souphala Chomsisengphet and Chunlin Liu
National University of Singapore, Pennsylvania State University, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business
Downloads 93 (424,944)
Citation 5

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

43.

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

Number of pages: 21 Posted: 11 Apr 2011
Sumit Agarwal, Souphala Chomsisengphet and Chau Do
National University of Singapore, 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 81 (462,160)

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

44.

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

NBER Working Paper No. w19920
Number of pages: 37 Posted: 24 Feb 2014 Last Revised: 07 Dec 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 78 (472,346)

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45.

How Do Private Firms Use Credit Lines?

Economic Perspectives, Vol. 35, No. 2, p. 71, 2011
Number of pages: 9 Posted: 24 May 2011
Sumit Agarwal, Souphala Chomsisengphet and John C. Driscoll
National University of Singapore, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and Board of Governors of the Federal Reserve System
Downloads 76 (479,559)

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

46.

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

University of Alberta School of Business Research Paper No. 2019-708
Number of pages: 48 Posted: 28 Sep 2019 Last Revised: 06 Dec 2019
Sumit Agarwal, Souphala Chomsisengphet, Barry Scholnick and Man Zhang
National University of Singapore, Government of the United States of America - Office of the Comptroller of the Currency (OCC), University of Alberta - Department of Marketing, Business Economics & Law and University of Sydney
Downloads 54 (569,952)

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Saliency Bias, Peers, Warranty Claims

47.

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

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

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Subprime mortgages; default; house price appreciation

48.

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

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

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Argentine mortgage market, prepayment and default, financial crisis

49.

Determinants of Small Business Default

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

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

50.

Asymmetric Information and the Automobile Loan Market

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

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Consumer debt, consumption decisions, prepayment, default

51.

Impact of State Exemption Laws on Small Business Bankruptcy Decision

Posted: 07 Dec 2004
Sumit Agarwal, Souphala Chomsisengphet, Chunlin Liu and Lawrence Mielnicki
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 De Lage Landen Financial Services

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