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 0 2 19 90
Benefits of relationship banking: evidence from consumer credit markets 1 1 1 100 3 3 16 314
Cognitive abilities and household financial decision making 0 1 2 59 1 10 39 331
Collateral Valuation and Borrower Financial Constraints: Evidence from the Residential Real Estate Market 0 0 1 46 1 4 20 229
Collateral Valuation and Borrower Financial Constraints: Evidence from the Residential Real-Estate Market 0 1 1 41 1 2 11 168
Consumer Mobility and the Local Structure of Consumption Industries 0 0 0 54 1 1 29 168
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? 1 1 1 85 1 5 29 345
Distance and information asymmetries in lending decisions 0 0 0 0 1 2 15 260
Do Banks Pass Through Credit Expansions to Consumers Who Want to Borrow? 0 0 0 17 0 0 25 214
Do Loan Officers' Incentives Lead to Lax Lending Standards? 0 0 0 90 0 6 22 419
Do Minimum Wage Increases Benefit Intended Households? Evidence from the Performance of Residential Leases 0 0 0 28 1 1 13 96
Do consumers choose the right credit contracts? 0 0 0 114 0 0 10 637
Do consumers choose the right credit contracts? 0 0 0 99 1 1 17 612
Do financial counseling mandates improve mortgage choice and performance? Evidence from a legislative experiment 0 0 0 30 0 1 13 178
Does Mandatory Loan Review Affect Mortgage Contract Choice and Performance? 0 0 0 8 0 0 6 90
Does inequality cause financial distress? Evidence from lottery winners and neighboring bankruptcies 0 1 3 61 4 9 136 706
Does it pay to read your junk mail? evidence of the effect of advertising on home equity credit choices 0 0 1 59 0 0 20 541
Does the Relative Income of Peers Cause Financial Distress? Evidence from Lottery Winners and Neighboring Bankruptcies 0 0 0 53 0 0 13 168
Earnings Management During Distinct Periods of Capital Demand – Evidence from Japanese Banks 0 0 0 3 0 1 12 69
Holdup by Junior Claimholders: Evidence from the Mortgage Market 0 0 0 13 0 0 11 102
Inconsistent Regulators: Evidence From Banking 0 0 3 107 4 5 26 424
Learning in the Credit Card Market 0 0 1 174 0 7 66 816
Learning in the Credit Card Market 0 0 0 26 0 0 20 235
Learning to Cope: Voluntary Financial Education Programs and Loan Performance during a Housing Crisis 0 0 1 37 0 0 8 121
Loan Product Steering in Mortgage Markets 0 0 0 32 0 2 35 138
Loan Prospecting and the Loss of Soft Information 0 0 0 86 0 3 28 228
Loan commitments and private firms 0 0 0 189 1 4 23 869
Market-Based Loss Mitigation Practices for Troubled Mortgages Following the Financial Crisis 0 0 0 24 0 1 9 159
Market-based loss mitigation practices for troubled mortgages following the financial crisis 0 0 1 31 0 1 14 177
Modeling to Inform Economy-Wide Pandemic Policy: Bringing Epidemiologists and Economists Together 0 0 0 8 0 3 20 34
Mortgage Refinancing, Consumer Spending, and Competition: Evidence from the Home Affordable Refinancing Program 0 0 0 56 0 4 30 263
Optimal Mortgage Refinancing: A Closed Form Solution 0 0 0 26 0 1 21 211
Optimal Mortgage Refinancing: A Closed Form Solution 0 1 1 118 0 3 25 502
Optimal Mortgage Reï¬ nancing: A Closed Form Solution 0 0 0 13 1 2 16 228
Payday Loans and Credit Cards: New Liquidity and Credit Scoring Puzzles? 0 0 1 128 1 8 28 708
Peers’ Income and Financial Distress: Evidence from Lottery Winners and Neighboring Bankruptcies 1 1 2 65 2 3 30 168
Pension Participation and Uncovered Workers 0 0 0 46 0 0 8 181
Perverse incentives at the banks? Evidence from a natural experiment 0 0 0 135 0 3 18 658
Policy Intervention in Debt Renegotiation: Evidence from the Home Affordable Modification Program 0 0 0 20 3 4 21 313
Policy Intervention in Debt Renegotiation: Evidence from the Home Affordable Modification Program 0 0 0 13 0 0 14 220
Policy Intervention in Debt Renegotiation: Evidence from the Home Affordable Modification Program 0 0 0 13 1 1 16 203
Predatory Lending and the Subprime Crisis 0 0 0 47 0 0 13 215
Predatory Lending and the Subprime Crisis 0 0 1 34 0 0 22 200
Reducing Strategic Default in a Financial Crisis 0 0 0 17 0 2 26 69
Regulating Consumer Financial Products: Evidence from Credit Cards 0 0 3 65 4 11 40 287
Related Exposures to Distressed Borrowers and Bank Lending 0 1 1 17 1 2 23 92
Rushing into American Dream? House Prices, Timing of Homeownership, and Adjustment of Consumer Credit 0 0 0 21 0 1 14 252
Searching for Approval 0 0 0 23 0 2 34 167
Serving the Underserved: Microcredit as a Pathway to Commercial Banks 0 0 1 22 0 1 15 61
Spending responses to state sales tax holidays 0 0 1 24 0 1 25 118
Summary of \"benefits of relationship banking: evidence from consumer credit markets\" 0 0 0 0 0 0 7 86
The Age of Reason: Financial Decisions Over the Lifecycle 0 0 0 18 0 3 20 194
The Age of Reason: Financial Decisions Over the Lifecycle 0 0 0 139 2 6 51 886
The Age of Reason: Financial Decisions over the Life-Cycle with Implications for Regulation 0 1 1 61 0 2 20 381
The Consumption Response to Minimum Wage Hikes 0 0 0 24 0 2 13 81
The Effectiveness of Mandatory Mortgage Counseling: Can One Dissuade Borrowers from Choosing Risky Mortgages? 0 0 0 17 0 2 13 112
The Effects of Mandated Financial Counseling on Household Mortgage Decisions: Evidence from a Natural Experiment 0 0 0 33 0 0 11 131
The Efficiency of Internal Capital Markets: Evidence from the Annual Capital Expenditure Survey 0 0 1 55 1 2 14 358
The Opioid Epidemic and Consumer Credit Supply: Evidence from Credit Cards 0 0 0 6 1 2 17 30
The Reaction of Consumer Spending and Debt to Tax Rebates -- Evidence from Consumer Credit Data 0 0 0 87 0 1 22 550
The Role of Securitization in Mortgage Renegotiation 0 0 0 41 0 0 13 254
The age of reason: financial decisions over the lifecycle 0 0 0 130 0 5 29 602
The choice between arm's-length and relationship debt: evidence from e-loans 0 0 0 148 0 1 18 1,417
The consumption response to minimum wage increases 0 0 4 600 0 5 43 2,278
The reaction of consumer spending and debt to tax rebates – evidence from consumer credit data 0 0 0 239 1 3 25 1,512
The reaction of consumer spending and debt to tax rebates; evidence from consumer credit data 0 0 0 61 0 0 20 567
The role of securitization in mortgage renegotiation 0 0 0 44 0 1 22 277
Weighted Noise: Discretion in Regulation 0 1 1 6 0 2 14 24
What is the Age of Reason? 0 0 0 24 1 2 11 148
Who Pays For Your Rewards? Redistribution in the Credit Card Market 0 0 0 29 1 4 33 82
Why do banks reward their customers to use their credit cards? 0 0 6 145 1 3 60 864
Why do borrowers make mortgage refinancing mistakes? 0 0 2 60 0 0 22 273
Total Working Papers 3 10 42 4,562 41 169 1,662 25,161


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 0 2 24 1 1 14 93
Adverse selection in mortgage securitization 0 0 0 146 1 2 35 589
An empirical analysis of home equity loan and line performance 0 1 2 116 1 4 48 527
Cognitive Abilities and Household Financial Decision Making 0 0 3 73 0 1 30 424
Comparing the prime and subprime mortgage markets 0 2 2 282 0 3 14 571
Consumer bankruptcy and default: The role of individual social capital 0 0 1 24 0 1 24 248
Consumption and Debt Response to Unanticipated Income Shocks: Evidence from a Natural Experiment in Singapore 0 0 3 91 0 8 32 407
Credit Lines and Credit Utilization 0 0 1 418 0 2 17 1,192
Determinants of automobile loan default and prepayment 0 0 0 108 0 4 18 404
Determinants of credit card delinquency and bankruptcy: Macroeconomic factors 0 1 7 39 0 5 39 231
Distance and Private Information in Lending 2 5 25 230 4 19 130 921
Do Forbearance Plans Help Mitigate Credit Card Losses? 0 0 0 34 1 1 10 302
Earnings management behaviors under different economic environments: Evidence from Japanese banks 0 0 0 37 0 1 17 282
Electrical and thermal properties of Pr 2/3 (Ba 1−x Cs x ) 1/3 MnO 3 manganites 0 0 0 1 0 0 5 28
Exemption laws and consumer delinquency and bankruptcy behavior: an empirical analysis of credit card data 0 0 0 123 0 2 15 440
Financial markets and the financing choice of firms: Evidence from developing countries 0 0 2 193 0 0 14 657
Homebuilders, Affiliated Financing Arms and the Mortgage Crisis 0 0 0 7 0 2 15 94
How Did the Great Recession Affect Payday Loans? 0 0 0 75 0 1 43 389
How do private firms use credit lines? 0 0 0 12 0 0 6 69
Investor demand for IPOs and aftermarket performance: Evidence from the Hong Kong stock market 0 1 1 115 1 7 39 458
Learning to Cope: Voluntary Financial Education and Loan Performance during a Housing Crisis 0 0 0 32 2 3 24 260
Optimal Mortgage Refinancing: A Closed-Form Solution 0 1 2 14 1 3 17 192
Payday Loans and Credit Cards: New Liquidity and Credit Scoring Puzzles? 0 0 0 100 0 1 18 562
Predatory lending and the subprime crisis 0 1 2 79 0 6 44 557
Regulating Consumer Financial Products: Evidence from Credit Cards 0 0 8 173 5 10 89 941
Rescuing asset-backed securities markets 0 0 0 60 0 0 7 181
THE BROKERAGE FIRM EFFECT IN HERDING: EVIDENCE FROM INDONESIA 0 0 0 17 1 2 11 149
Technology transfer perspectives in globalising India (drugs and pharmaceuticals and biotechnology) 0 0 0 191 0 1 9 677
Telecommunications and economic growth: a panel data approach 0 2 5 784 0 3 28 1,771
The Age of Reason: Financial Decisions over the Life Cycle and Implications for Regulation 5 9 13 154 7 20 69 1,184
The Importance of Adverse Selection in the Credit Card Market: Evidence from Randomized Trials of Credit Card Solicitations 0 0 0 44 1 1 18 425
The Reaction of Consumer Spending and Debt to Tax Rebates-Evidence from Consumer Credit Data 0 1 1 203 6 12 62 1,140
The Role of Soft Information in a Dynamic Contract Setting: Evidence from the Home Equity Credit Market 0 0 0 0 0 0 14 109
The Spending and Debt Response to Minimum Wage Hikes 0 2 3 258 0 3 40 1,015
The Term Structure of Lease Rates with Endogenous Default Triggers and Tenant Capital Structure: Theory and Evidence 0 0 1 19 1 2 12 113
The asset-backed securities markets, the crisis and TALF 0 0 1 121 0 2 9 414
The asset-backed securities markets, the crisis, and TALF 0 0 0 13 0 0 8 90
The efficiency of internal capital markets: Evidence from the Annual Capital Expenditure Survey 0 0 0 22 2 2 11 188
The impact of the 2001 financial crisis and the economic policy responses on the Argentine mortgage market 0 0 0 74 1 3 23 356
The role of securitization in mortgage renegotiation 0 0 1 41 0 0 17 273
Thy Neighbor’s Mortgage: Does Living in a Subprime Neighborhood Affect One’s Probability of Default? 0 0 0 34 0 1 15 147
Where does price discovery occur for stocks traded in multiple markets? Evidence from Hong Kong and London 0 0 0 52 0 0 14 273
Why aren't banks lending more? the role of commercial real estate 0 0 0 22 0 0 4 95
Why do foreign investors underperform domestic investors in trading activities? Evidence from Indonesia 1 3 3 96 3 7 23 356
Total Journal Articles 8 29 89 4,751 39 146 1,151 19,794


Statistics updated 2026-08-07