2022 Consumer Research Symposium

Conference Agenda

Thursday, March 10, 2022

11:00AM-11:15AM Welcoming Remarks 

11:15AM-12:00PM Distinguished Guest Lecture - John Friedman

12:30PM-1:30PM Panel 1: Mortgage Market Frictions

1:45PM-2:45PM Panel 2: Alternatives to Bank Credit

3:00PM-4:00PM Panel 3: Student Loans 

4:00PM-4:30PM Virtual Reception

Friday, March 11, 2022

11:00AM-12:05PM Fast Track Session 

12:30PM-1:30PM Panel 4: Home Equity and Collateral

1:45PM-2:45PM Panel 5: Retirement Savings

2:45PM-3:30PM Virtual Reception
All times EST 2 2022 Consumer Research Symposium 

March 10, 2022

11:00AM-11:15AM Welcoming Remarks 

11:15AM-12:00PM Distinguished Guest Lecture

The Economic Impacts of COVID-19: Evidence from a New Public 

Database Built Using Private Sector Data

John Friedman, Professor of Economics and International and Public 

Affairs at Brown University, Co-Director of Opportunity Insights at 

Harvard University (Presentation)

12:00PM-12:30PM Break/Virtual Networking 

12:30PM-1:30PM Panel 1: Mortgage Market Frictions 

Intermediation Frictions in Debt Relief: Evidence from CARES Act 

Forbearance

James Vickery, Federal Reserve Bank of Philadelphia

You Suk Kim and Tess Scharlemann, Federal Reserve Board

Donghoon Lee, Federal Reserve Bank of New York

Frictions in Mortgage Refinancing: Evidence from Chile

Vivek Bhattacharya and Gastón Illanes, Northwestern University & 

NBER

José Ignacio Cuesta, Stanford University

Ana María Montoya and Ramiundo Undurraga, Universidad de Chile

Discussant: Lara Loewenstein, Federal Reserve Bank of Cleveland 

(Presentation)

Moderator: Nick Frazier, Federal Deposit Insurance Corporation

1:30PM-1:45PM Break/Virtual Networking 

1:45PM-2:45PM Panel 2: Alternatives to Bank Credit 

Blood Money: The Financial Implications of Plasma Sales for 

Individuals and Non-Bank Lenders

Emily Gallagher, University of Colorado Boulder (Presentation)

John Dooley, Washington University in St. Louis

Invisible Primes: Fintech Lending with Alternative Data

Dimuthu Ratnadiwakara, Louisiana State University (Presentation)

Marco Di Maggio, Harvard Business School & NBER

Don Carmichael, Upstart

Discussant: Emily Williams, Harvard Business School (Presentation)

Moderator: Mary Zaki, Federal Deposit Insurance Corporation
2022 Consumer Research Symposium 3 All times EST

2:45PM-3:00PM Break/Virtual Networking 

3:00PM-4:00PM Panel 3: Student Loans 

Student Loans and the CARD Act Campus Ban

Paolina Medina and Alexander Brown, Texas A&M University

Daniel Grodzicki, Office of the Comptroller of the Currency

Opportunity Unraveled: Private Information and the Missing 

Markets for Financing Human Capital

Daniel Herbst, University of Arizona (Presentation)

Nathaniel Hendren, Harvard University

Discussant: Kamila Sommer, Federal Reserve Board (Presentation)

Moderator: Jeffrey Weinstein, Federal Deposit Insurance Corporation 

4:00PM-4:30PM Virtual Reception 

March 10, 2022
All times EST 4 2022 Consumer Research Symposium 

March 11, 2022

11:00AM-12:05PM Fast Track Session 

What Triggers Mortgage Default? New Evidence from Linked 

Administrative and Survey Data

David Low, Consumer Financial Protection Bureau (Presentation)

The Mortgage-Cash Premium Puzzle

Michael Reher and Rossen Valkanov, University of California San 

Diego (Presentation)

Judicial Expansions and Mortgage Credit Supply

Jeff Traczynski, Federal Deposit Insurance Corporation

Banking Across America: Distance and Branch Use

Alexander Zentefis, Yale University (Presentation)

Jung Sakong, Federal Reserve Bank of Chicago

How Resilient Is Mortgage Credit Supply? Evidence from the 

COVID-19 Pandemic

Lauren Lambie-Hanson, Federal Reserve Bank of Philadelphia 

Consumer Finance Institute (Presentation)

Andreas Fuster, Swiss National Bank & CEPR

Aurel Hizmo, Board of Governors of the Federal Reserve System

James Vickery, Federal Reserve Bank of Philadelphia Research 

Department

Paul Willen, Federal Reserve Bank of Boston & NBER

Moderator: Garret Christensen, Federal Deposit Insurance 

Corporation

12:00PM-12:30PM Break/Virtual Networking 

12:30PM-1:30PM Panel 4: Home Equity and Collateral 

Dynastic Home Equity

Matteo Benetton, University of California at Berkeley

Marianna Kudlyak and John Mondragon, Federal Reserve Bank of San 

Francisco

The Cost of Consumer Collateral: Evidence from Bunching

Benjamin Collier and Cameron Ellis, Temple University (Presentation)

Benjamin Keys, The Wharton School & NBER

Discussant: Kristian Blickle, Federal Reserve Bank of New York

Moderator: Hua Kiefer, Federal Deposit Insurance Corporation
2022 Consumer Research Symposium 5 All times EST

1:30PM-1:45PM Break/Virtual Networking 

1:45PM-2:45PM Panel 5: Retirement Savings 

Ex-Post Loss Sharing in Consumer Financial Markets

Alexandru Barbu, London Business School (Presentation)

Efficiency in Household Decision Making: Evidence from the 

Retirement Savings of US Couples

Taha Choukhmane, Massachusetts Institute of Technology

Lucas Goodman, United States Department of the Treasury

Cormac O’Dea, Yale University

Discussant: Tatiana Homonoff, New York University (Presentation)

Moderator: Ryan Goodstein, Federal Deposit Insurance Corporation

2:45PM-3:30PM Virtual Reception 

March 11, 2022