Access Statistics for Sumit Agarwal

Author contact details at EconPapers.

Working Paper File Downloads Abstract Views
Last month 3 months 12 months Total Last month 3 months 12 months Total
Bank Stress Test Results and Their Impact on Consumer Credit Markets 0 0 0 18 3 6 18 88
Benefits of relationship banking: evidence from consumer credit markets 0 0 0 99 3 4 13 311
Cognitive abilities and household financial decision making 0 0 1 58 11 13 31 321
Collateral Valuation and Borrower Financial Constraints: Evidence from the Residential Real Estate Market 1 1 1 46 4 9 16 225
Collateral Valuation and Borrower Financial Constraints: Evidence from the Residential Real-Estate Market 0 0 0 40 1 2 9 166
Consumer Mobility and the Local Structure of Consumption Industries 0 0 0 54 8 14 28 167
Consumption And Saving Response To A Tax-Subsidized Saving Policy 0 0 0 0 0 0 0 0
Did the Community Reinvestment Act (CRA) Lead to Risky Lending? 0 0 0 84 2 5 27 340
Distance and information asymmetries in lending decisions 0 0 0 0 2 4 14 258
Do Banks Pass Through Credit Expansions to Consumers Who Want to Borrow? 0 0 0 17 1 5 25 214
Do Loan Officers' Incentives Lead to Lax Lending Standards? 0 0 0 90 4 8 19 413
Do Minimum Wage Increases Benefit Intended Households? Evidence from the Performance of Residential Leases 0 0 1 28 1 1 15 95
Do consumers choose the right credit contracts? 0 0 0 99 2 2 17 611
Do consumers choose the right credit contracts? 0 0 0 114 2 2 11 637
Do financial counseling mandates improve mortgage choice and performance? Evidence from a legislative experiment 0 0 0 30 3 5 12 177
Does Mandatory Loan Review Affect Mortgage Contract Choice and Performance? 0 0 0 8 0 2 6 90
Does inequality cause financial distress? Evidence from lottery winners and neighboring bankruptcies 0 2 3 60 18 49 130 697
Does it pay to read your junk mail? evidence of the effect of advertising on home equity credit choices 0 0 1 59 1 5 20 541
Does the Relative Income of Peers Cause Financial Distress? Evidence from Lottery Winners and Neighboring Bankruptcies 0 0 0 53 4 4 13 168
Earnings Management During Distinct Periods of Capital Demand – Evidence from Japanese Banks 0 0 0 3 0 3 11 68
Holdup by Junior Claimholders: Evidence from the Mortgage Market 0 0 0 13 2 3 11 102
Inconsistent Regulators: Evidence From Banking 0 0 4 107 1 5 26 419
Learning in the Credit Card Market 0 0 1 174 9 12 60 809
Learning in the Credit Card Market 0 0 0 26 1 1 20 235
Learning to Cope: Voluntary Financial Education Programs and Loan Performance during a Housing Crisis 0 1 1 37 0 2 8 121
Loan Product Steering in Mortgage Markets 0 0 0 32 6 19 34 136
Loan Prospecting and the Loss of Soft Information 0 0 0 86 1 5 29 225
Loan commitments and private firms 0 0 0 189 3 4 19 865
Market-Based Loss Mitigation Practices for Troubled Mortgages Following the Financial Crisis 0 0 0 24 0 1 8 158
Market-based loss mitigation practices for troubled mortgages following the financial crisis 0 0 1 31 5 7 13 176
Modeling to Inform Economy-Wide Pandemic Policy: Bringing Epidemiologists and Economists Together 0 0 0 8 1 5 18 31
Mortgage Refinancing, Consumer Spending, and Competition: Evidence from the Home Affordable Refinancing Program 0 0 0 56 5 10 27 259
Optimal Mortgage Refinancing: A Closed Form Solution 0 0 0 117 3 5 22 499
Optimal Mortgage Refinancing: A Closed Form Solution 0 0 0 26 1 7 21 210
Optimal Mortgage Reï¬ nancing: A Closed Form Solution 0 0 0 13 2 5 16 226
Payday Loans and Credit Cards: New Liquidity and Credit Scoring Puzzles? 1 1 2 128 5 11 25 700
Peers’ Income and Financial Distress: Evidence from Lottery Winners and Neighboring Bankruptcies 0 1 1 64 4 14 29 165
Pension Participation and Uncovered Workers 0 0 0 46 1 6 8 181
Perverse incentives at the banks? Evidence from a natural experiment 0 0 0 135 6 10 16 655
Policy Intervention in Debt Renegotiation: Evidence from the Home Affordable Modification Program 0 0 0 13 3 5 16 220
Policy Intervention in Debt Renegotiation: Evidence from the Home Affordable Modification Program 0 0 0 20 0 4 18 309
Policy Intervention in Debt Renegotiation: Evidence from the Home Affordable Modification Program 0 0 0 13 1 3 18 202
Predatory Lending and the Subprime Crisis 0 0 0 47 6 8 13 215
Predatory Lending and the Subprime Crisis 0 0 1 34 5 8 22 200
Reducing Strategic Default in a Financial Crisis 0 0 0 17 5 7 27 67
Regulating Consumer Financial Products: Evidence from Credit Cards 1 1 3 65 5 8 31 276
Related Exposures to Distressed Borrowers and Bank Lending 0 0 0 16 1 6 23 90
Rushing into American Dream? House Prices, Timing of Homeownership, and Adjustment of Consumer Credit 0 0 0 21 3 6 13 251
Searching for Approval 0 0 0 23 5 11 33 165
Serving the Underserved: Microcredit as a Pathway to Commercial Banks 0 0 1 22 0 1 14 60
Spending responses to state sales tax holidays 0 0 1 24 2 7 25 117
Summary of \"benefits of relationship banking: evidence from consumer credit markets\" 0 0 0 0 0 2 7 86
The Age of Reason: Financial Decisions Over the Lifecycle 0 0 0 18 3 5 19 191
The Age of Reason: Financial Decisions Over the Lifecycle 0 0 0 139 8 11 53 880
The Age of Reason: Financial Decisions over the Life-Cycle with Implications for Regulation 0 0 0 60 4 7 20 379
The Consumption Response to Minimum Wage Hikes 0 0 0 24 2 3 11 79
The Effectiveness of Mandatory Mortgage Counseling: Can One Dissuade Borrowers from Choosing Risky Mortgages? 0 0 0 17 3 5 11 110
The Effects of Mandated Financial Counseling on Household Mortgage Decisions: Evidence from a Natural Experiment 0 0 0 33 1 3 11 131
The Efficiency of Internal Capital Markets: Evidence from the Annual Capital Expenditure Survey 0 0 2 55 1 2 22 356
The Opioid Epidemic and Consumer Credit Supply: Evidence from Credit Cards 0 0 0 6 4 6 15 28
The Reaction of Consumer Spending and Debt to Tax Rebates -- Evidence from Consumer Credit Data 0 0 0 87 3 7 21 549
The Role of Securitization in Mortgage Renegotiation 0 0 0 41 2 3 13 254
The age of reason: financial decisions over the lifecycle 0 0 2 130 9 10 26 597
The choice between arm's-length and relationship debt: evidence from e-loans 0 0 0 148 5 6 18 1,416
The consumption response to minimum wage increases 0 2 4 600 1 6 39 2,273
The reaction of consumer spending and debt to tax rebates – evidence from consumer credit data 0 0 0 239 7 7 27 1,509
The reaction of consumer spending and debt to tax rebates; evidence from consumer credit data 0 0 0 61 2 3 24 567
The role of securitization in mortgage renegotiation 0 0 0 44 3 4 21 276
Weighted Noise: Discretion in Regulation 0 0 0 5 3 8 13 22
What is the Age of Reason? 0 0 0 24 2 3 9 146
Who Pays For Your Rewards? Redistribution in the Credit Card Market 0 0 1 29 6 13 35 78
Why do banks reward their customers to use their credit cards? 0 0 6 145 4 8 61 861
Why do borrowers make mortgage refinancing mistakes? 0 1 2 60 2 7 25 273
Total Working Papers 3 10 40 4,552 237 478 1,599 24,992


Journal Article File Downloads Abstract Views
Last month 3 months 12 months Total Last month 3 months 12 months Total
A Simple Framework for Estimating Consumer Benefits from Regulating Hidden Fees 0 1 2 24 1 5 14 92
Adverse selection in mortgage securitization 0 0 2 146 11 16 39 587
An empirical analysis of home equity loan and line performance 0 0 1 115 4 8 46 523
Cognitive Abilities and Household Financial Decision Making 0 0 3 73 2 4 31 423
Comparing the prime and subprime mortgage markets 0 0 0 280 2 3 11 568
Consumer bankruptcy and default: The role of individual social capital 0 0 1 24 1 5 23 247
Consumption and Debt Response to Unanticipated Income Shocks: Evidence from a Natural Experiment in Singapore 0 1 5 91 1 8 28 399
Credit Lines and Credit Utilization 0 0 2 418 0 6 19 1,190
Determinants of automobile loan default and prepayment 0 0 0 108 0 3 15 400
Determinants of credit card delinquency and bankruptcy: Macroeconomic factors 0 0 8 38 4 13 38 226
Distance and Private Information in Lending 3 7 22 225 17 34 118 902
Do Forbearance Plans Help Mitigate Credit Card Losses? 0 0 0 34 1 2 9 301
Earnings management behaviors under different economic environments: Evidence from Japanese banks 0 0 0 37 2 4 17 281
Electrical and thermal properties of Pr 2/3 (Ba 1−x Cs x ) 1/3 MnO 3 manganites 0 0 0 1 1 1 5 28
Exemption laws and consumer delinquency and bankruptcy behavior: an empirical analysis of credit card data 0 0 0 123 6 7 15 438
Financial markets and the financing choice of firms: Evidence from developing countries 0 0 3 193 1 1 15 657
Homebuilders, Affiliated Financing Arms and the Mortgage Crisis 0 0 0 7 1 6 14 92
How Did the Great Recession Affect Payday Loans? 0 0 0 75 1 3 44 388
How do private firms use credit lines? 0 0 0 12 2 3 6 69
Investor demand for IPOs and aftermarket performance: Evidence from the Hong Kong stock market 0 0 0 114 2 4 34 451
Learning to Cope: Voluntary Financial Education and Loan Performance during a Housing Crisis 0 0 0 32 2 7 22 257
Optimal Mortgage Refinancing: A Closed-Form Solution 0 0 2 13 2 3 16 189
Payday Loans and Credit Cards: New Liquidity and Credit Scoring Puzzles? 0 0 1 100 6 9 20 561
Predatory lending and the subprime crisis 0 1 2 78 7 15 42 551
Regulating Consumer Financial Products: Evidence from Credit Cards 0 4 8 173 7 26 83 931
Rescuing asset-backed securities markets 0 0 0 60 1 4 8 181
THE BROKERAGE FIRM EFFECT IN HERDING: EVIDENCE FROM INDONESIA 0 0 0 17 1 4 9 147
Technology transfer perspectives in globalising India (drugs and pharmaceuticals and biotechnology) 0 0 0 191 0 3 9 676
Telecommunications and economic growth: a panel data approach 0 1 7 782 3 9 36 1,768
The Age of Reason: Financial Decisions over the Life Cycle and Implications for Regulation 1 2 4 145 9 13 61 1,164
The Importance of Adverse Selection in the Credit Card Market: Evidence from Randomized Trials of Credit Card Solicitations 0 0 0 44 2 3 17 424
The Reaction of Consumer Spending and Debt to Tax Rebates-Evidence from Consumer Credit Data 0 0 1 202 6 22 52 1,128
The Role of Soft Information in a Dynamic Contract Setting: Evidence from the Home Equity Credit Market 0 0 0 0 3 6 15 109
The Spending and Debt Response to Minimum Wage Hikes 0 0 1 256 6 7 43 1,012
The Term Structure of Lease Rates with Endogenous Default Triggers and Tenant Capital Structure: Theory and Evidence 1 1 2 19 1 1 11 111
The asset-backed securities markets, the crisis and TALF 0 0 1 121 0 1 7 412
The asset-backed securities markets, the crisis, and TALF 0 0 0 13 1 3 9 90
The efficiency of internal capital markets: Evidence from the Annual Capital Expenditure Survey 0 0 0 22 2 3 9 186
The impact of the 2001 financial crisis and the economic policy responses on the Argentine mortgage market 0 0 0 74 1 6 22 353
The role of securitization in mortgage renegotiation 0 0 1 41 0 2 20 273
Thy Neighbor’s Mortgage: Does Living in a Subprime Neighborhood Affect One’s Probability of Default? 0 0 0 34 2 2 14 146
Where does price discovery occur for stocks traded in multiple markets? Evidence from Hong Kong and London 0 0 0 52 2 5 14 273
Why aren't banks lending more? the role of commercial real estate 0 0 0 22 2 2 4 95
Why do foreign investors underperform domestic investors in trading activities? Evidence from Indonesia 0 0 0 93 0 4 17 349
Total Journal Articles 5 18 79 4,722 126 296 1,101 19,648


Statistics updated 2026-05-06