RYAN GOODSTEIN

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JUNE 2023

CURRICULUM VITAE

CONTACT INFORMATION

Federal Deposit Insurance Corporation Phone: 202.898.6863

Division of Depositor and Consumer Protection E-mail: rgoodstein@fdic.gov

550 17th Street NW Citizenship: USA

Washington, DC 20429

SPECIALIZATIONS

Household Finance, Real Estate Economics, Urban Economics, Labor Economics

EDUCATION

PhD, Economics University of North Carolina at Chapel Hill, May 2008

BS, Economics, James Madison University, May 1996

PROFESSIONAL AND RESEARCH EXPERIENCE

Senior Economist, Federal Deposit Insurance Corporation 2017 to present

Senior Financial Economist, Federal Deposit Insurance Corporation 2010 to 2017

Financial Economist, Federal Deposit Insurance Corporation 2008 to 2010

Research Assistant to David Blau, UNC Chapel Hill Dept. of Economics 2005 to 2007

PUBLICATIONS IN REFEREED JOURNALS

“What Accounts for Racial and Ethnic Differences in Credit Use?” (with Alicia Lloro, Sherrie L.W. 

Rhine, and Jeffrey Weinstein), 2020, Journal of Consumer Affairs 55(2): 389-416.

“The Effects of Bank and Nonbank Provider Locations on Household Use of Financial Transaction 

Services,” (with Sherrie Rhine), 2017, Journal of Banking and Finance 78: 91-107.

“Contagion Effects in Strategic Mortgage Defaults,” (with Paul Hanouna, Carlos D. Ramirez, and 

Christof W. Stahel), 2017, Journal of Financial Intermediation 30: 50-60.

“The Effect of Inheritances on Labor Supply of Older Married Couples: Estimates and a New Test of 

Commitment,” (with David Blau), 2016, Labour Economics 42: 123-137.

“Refinancing Trends among Lower Income Homeowners during the Mortgage Boom and Bust,”

2013, Real Estate Economics 42(3): 690-723.

“Can Social Security Explain Trends in Labor Force Participation of Older Men in the United 

States?” (with David Blau), 2010, Journal of Human Resources 45(2): 328-63. 
RYAN GOODSTEIN

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WORKING PAPERS

“Is There Crowd-Out in Mortgage Refinance?” (with Nick Frazier), 2023, FDIC Center for Financial 

Research Working Paper 2023-01.

“The Effect of Job Loss on Bank Account Ownership,” (with Mark Kutzbach), 2022, FDIC Center 

for Financial Research Working Paper 2022-13.

“Boomeranged! The Effect of Coresiding Adult Children on Housing Transitions among Older 

Homeowners,” 2016, FDIC Division of Depositor and Consumer Protection Working Paper 

Series 2016-2. 

“Do Foreclosures Increase Crime?” (with Yan Y. Lee), 2010, Center for Financial Research Working 

Paper, Federal Deposit Insurance Corporation, 2010-05. 

“The Effect of Wealth on Labor Force Participation of Older Men.” 2008. Unpublished manuscript. 

OTHER PUBLICATIONS

“FDIC National Survey of Unbanked and Underbanked Households.” 2010-2018 biennial reports. 

Available at economicinclusion.gov. 

“FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked.” 2012. Available at 

economicinclusion.gov. 

“The Effect of Economic and Demographic Factors on Household Choice of Financial Transaction 

Services” (with Sherrie Rhine). 2013. Consumer Interests Annual (49): 2013. 

SELECTED PRESENTATIONS

“Is There Crowd-Out in Mortgage Refinance?” 

AREUEA-ASSA Conference, 2022 

Consumer Financial Protection Bureau Research Conference, 2022

“The Effect of Job Loss on Bank Account Ownership.”

Boulder Summer Conference on Consumer Financial Decision Making, 2022

Society of Government Economists Virtual Seminar: Unbanked Households, Poverty, and 

Taxation, 2022

“What Accounts for Racial and Ethnic Differences in Credit Use?”

Workshop on Credit Card Lending and Payments, Philadelphia Federal Reserve Bank, 2018

Consumer Financial Protection Bureau Research Conference, 2018 (poster)

Boulder Summer Conference on Consumer Financial Decision Making, 2018 (poster) 

“Boomeranged! The Effect of Coresiding Adult Children on Housing Transitions among Older 

Homeowners.”

American Real Estate and Urban Economics Association National Conference, 2015

Boulder Summer Conference on Consumer Financial Decision Making, 2015 (poster)

“What Factors Determine Household Use of Financial Transaction Services?”

Boulder Summer Conference on Consumer Financial Decision Making, 2014 (poster)

FDIC Consumer Research Symposium, 2013. 
RYAN GOODSTEIN

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OTHER SERVICE

Discussant, American Real Estate and Urban Economics Association National Meeting, 2017

Discussant, Pepperdine School of Public Policy Applied Policy Research and Training, 2017 

Discussant, Regulating Consumer Credit Conference, Federal Reserve Bank of Philadelphia, 2015

Discussant, 2nd Annual FDIC Consumer Research Symposium, Washington DC, 2012.

Referee for Economica, Economics Bulletin, Journal of Consumer Affairs, Journal of Human 

Resources, Journal of Urban Economics, Labour Economics, Review of Income and Wealth, 

Organizing Committee, Annual FDIC Consumer Research Symposia, 2011 to present

TEACHING EXPERIENCE

Instructor Intermediate Microeconomic Theory Fall 2007

Economic Statistics Summer 2007

Teaching Assistant Intermediate Macroeconomic Theory Spring 2005

Introduction to Economics Fall 2004

Intermediate Microeconomic Theory Spring 2003, Fall 2004 

OTHER WORK EXPERIENCE

UNC Chapel Hill Arts and Sciences Foundation Summer 2004

Software Developer, MS Access Database

United Airlines Elk Grove Village, IL 1998 to 2003

Senior Staff Coordinator, Revenue Management

Enterprise Rent-a-Car Honolulu, HI 1996 to 1998

Branch Rental Manager