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 9 16 85
Benefits of relationship banking: evidence from consumer credit markets 0 0 0 99 1 8 10 308
Cognitive abilities and household financial decision making 0 0 2 58 1 8 21 309
Collateral Valuation and Borrower Financial Constraints: Evidence from the Residential Real Estate Market 0 0 0 45 4 8 12 220
Collateral Valuation and Borrower Financial Constraints: Evidence from the Residential Real-Estate Market 0 0 0 40 1 4 8 165
Consumer Mobility and the Local Structure of Consumption Industries 0 0 1 54 4 8 19 157
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 3 11 25 338
Distance and information asymmetries in lending decisions 0 0 0 0 2 5 12 256
Do Banks Pass Through Credit Expansions to Consumers Who Want to Borrow? 0 0 0 17 2 17 22 211
Do Loan Officers' Incentives Lead to Lax Lending Standards? 0 0 2 90 4 10 18 409
Do Minimum Wage Increases Benefit Intended Households? Evidence from the Performance of Residential Leases 0 0 1 28 0 7 15 94
Do consumers choose the right credit contracts? 0 0 0 114 0 5 9 635
Do consumers choose the right credit contracts? 0 0 2 99 0 7 17 609
Do financial counseling mandates improve mortgage choice and performance? Evidence from a legislative experiment 0 0 0 30 2 5 10 174
Does Mandatory Loan Review Affect Mortgage Contract Choice and Performance? 0 0 0 8 1 3 5 89
Does inequality cause financial distress? Evidence from lottery winners and neighboring bankruptcies 0 0 1 58 16 84 101 664
Does it pay to read your junk mail? evidence of the effect of advertising on home equity credit choices 0 0 1 59 4 12 19 540
Does the Relative Income of Peers Cause Financial Distress? Evidence from Lottery Winners and Neighboring Bankruptcies 0 0 0 53 0 5 9 164
Earnings Management During Distinct Periods of Capital Demand – Evidence from Japanese Banks 0 0 0 3 3 9 15 68
Holdup by Junior Claimholders: Evidence from the Mortgage Market 0 0 0 13 1 6 9 100
Inconsistent Regulators: Evidence From Banking 0 1 5 107 2 9 24 416
Learning in the Credit Card Market 0 0 1 174 2 35 52 799
Learning in the Credit Card Market 0 0 0 26 0 16 22 234
Learning to Cope: Voluntary Financial Education Programs and Loan Performance during a Housing Crisis 1 1 1 37 1 3 7 120
Loan Product Steering in Mortgage Markets 0 0 0 32 10 17 25 127
Loan Prospecting and the Loss of Soft Information 0 0 0 86 4 16 28 224
Loan commitments and private firms 0 0 0 189 1 8 17 862
Market-Based Loss Mitigation Practices for Troubled Mortgages Following the Financial Crisis 0 0 0 24 0 4 8 157
Market-based loss mitigation practices for troubled mortgages following the financial crisis 0 0 1 31 1 3 9 170
Modeling to Inform Economy-Wide Pandemic Policy: Bringing Epidemiologists and Economists Together 0 0 0 8 4 13 17 30
Mortgage Refinancing, Consumer Spending, and Competition: Evidence from the Home Affordable Refinancing Program 0 0 0 56 2 12 21 251
Noisy Experts? Discretion in Regulation 0 0 0 5 2 3 7 16
Optimal Mortgage Refinancing: A Closed Form Solution 0 0 0 26 4 14 18 207
Optimal Mortgage Refinancing: A Closed Form Solution 0 0 0 117 2 13 20 496
Optimal Mortgage Reï¬ nancing: A Closed Form Solution 0 0 0 13 2 7 13 223
Payday Loans and Credit Cards: New Liquidity and Credit Scoring Puzzles? 0 0 1 127 2 8 16 691
Peers’ Income and Financial Distress: Evidence from Lottery Winners and Neighboring Bankruptcies 1 1 1 64 9 17 24 160
Pension Participation and Uncovered Workers 0 0 0 46 5 5 7 180
Perverse incentives at the banks? Evidence from a natural experiment 0 0 0 135 2 5 8 647
Policy Intervention in Debt Renegotiation: Evidence from the Home Affordable Modification Program 0 0 1 13 1 9 17 200
Policy Intervention in Debt Renegotiation: Evidence from the Home Affordable Modification Program 0 0 0 13 0 6 11 215
Policy Intervention in Debt Renegotiation: Evidence from the Home Affordable Modification Program 0 0 1 20 0 7 18 305
Predatory Lending and the Subprime Crisis 0 0 1 47 2 4 9 209
Predatory Lending and the Subprime Crisis 0 0 1 34 3 14 17 195
Reducing Strategic Default in a Financial Crisis 0 0 0 17 0 6 20 60
Regulating Consumer Financial Products: Evidence from Credit Cards 0 1 2 64 2 12 25 270
Related Exposures to Distressed Borrowers and Bank Lending 0 0 0 16 3 11 21 87
Rushing into American Dream? House Prices, Timing of Homeownership, and Adjustment of Consumer Credit 0 0 0 21 3 9 10 248
Searching for Approval 0 0 0 23 5 25 27 159
Serving the Underserved: Microcredit as a Pathway to Commercial Banks 0 0 1 22 0 11 15 59
Spending responses to state sales tax holidays 0 0 1 24 4 16 22 114
Summary of \"benefits of relationship banking: evidence from consumer credit markets\" 0 0 0 0 2 5 7 86
The Age of Reason: Financial Decisions Over the Lifecycle 0 0 0 139 2 17 46 871
The Age of Reason: Financial Decisions Over the Lifecycle 0 0 0 18 1 11 15 187
The Age of Reason: Financial Decisions over the Life-Cycle with Implications for Regulation 0 0 0 60 2 7 17 374
The Consumption Response to Minimum Wage Hikes 0 0 0 24 0 6 8 76
The Effectiveness of Mandatory Mortgage Counseling: Can One Dissuade Borrowers from Choosing Risky Mortgages? 0 0 0 17 1 5 7 106
The Effects of Mandated Financial Counseling on Household Mortgage Decisions: Evidence from a Natural Experiment 0 0 0 33 2 7 10 130
The Efficiency of Internal Capital Markets: Evidence from the Annual Capital Expenditure Survey 0 1 2 55 0 6 21 354
The Opioid Epidemic and Consumer Credit Supply: Evidence from Credit Cards 0 0 0 6 2 10 13 24
The Reaction of Consumer Spending and Debt to Tax Rebates -- Evidence from Consumer Credit Data 0 0 0 87 1 7 15 543
The Role of Securitization in Mortgage Renegotiation 0 0 0 41 1 7 11 252
The age of reason: financial decisions over the lifecycle 0 0 2 130 0 9 16 587
The choice between arm's-length and relationship debt: evidence from e-loans 0 0 0 148 0 7 17 1,410
The consumption response to minimum wage increases 1 2 4 599 2 17 38 2,269
The reaction of consumer spending and debt to tax rebates – evidence from consumer credit data 0 0 0 239 0 9 20 1,502
The reaction of consumer spending and debt to tax rebates; evidence from consumer credit data 0 0 1 61 1 8 24 565
The role of securitization in mortgage renegotiation 0 0 0 44 0 8 17 272
What is the Age of Reason? 0 0 0 24 1 4 7 144
Who Pays For Your Rewards? Redistribution in the Credit Card Market 0 0 1 29 2 11 25 67
Why do banks reward their customers to use their credit cards? 0 2 7 145 3 20 58 856
Why do borrowers make mortgage refinancing mistakes? 1 1 2 60 4 13 22 270
Total Working Papers 4 10 47 4,546 157 763 1,341 24,671


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 1 2 2 24 3 8 12 90
Adverse selection in mortgage securitization 0 0 2 146 2 10 25 573
An empirical analysis of home equity loan and line performance 0 0 1 115 4 30 42 519
Cognitive Abilities and Household Financial Decision Making 0 0 4 73 1 7 31 420
Comparing the prime and subprime mortgage markets 0 0 0 280 0 7 8 565
Consumer bankruptcy and default: The role of individual social capital 0 1 1 24 3 12 21 245
Consumption and Debt Response to Unanticipated Income Shocks: Evidence from a Natural Experiment in Singapore 0 1 5 90 1 10 23 392
Credit Lines and Credit Utilization 0 1 2 418 6 10 23 1,190
Determinants of automobile loan default and prepayment 0 0 0 108 1 10 17 398
Determinants of credit card delinquency and bankruptcy: Macroeconomic factors 0 2 8 38 3 12 30 216
Distance and Private Information in Lending 1 5 18 219 8 40 98 876
Do Forbearance Plans Help Mitigate Credit Card Losses? 0 0 0 34 1 6 8 300
Earnings management behaviors under different economic environments: Evidence from Japanese banks 0 0 0 37 2 7 15 279
Electrical and thermal properties of Pr 2/3 (Ba 1−x Cs x ) 1/3 MnO 3 manganites 0 0 0 1 0 1 4 27
Exemption laws and consumer delinquency and bankruptcy behavior: an empirical analysis of credit card data 0 0 0 123 1 3 10 432
Financial markets and the financing choice of firms: Evidence from developing countries 0 1 4 193 0 7 16 656
Homebuilders, Affiliated Financing Arms and the Mortgage Crisis 0 0 0 7 3 8 11 89
How Did the Great Recession Affect Payday Loans? 0 0 0 75 2 20 44 387
How do private firms use credit lines? 0 0 0 12 0 1 3 66
Investor demand for IPOs and aftermarket performance: Evidence from the Hong Kong stock market 0 0 1 114 1 13 33 448
Learning to Cope: Voluntary Financial Education and Loan Performance during a Housing Crisis 0 0 0 32 4 13 19 254
Optimal Mortgage Refinancing: A Closed-Form Solution 0 0 3 13 1 6 17 187
Payday Loans and Credit Cards: New Liquidity and Credit Scoring Puzzles? 0 0 1 100 2 8 13 554
Predatory lending and the subprime crisis 0 0 1 77 2 14 31 538
Regulating Consumer Financial Products: Evidence from Credit Cards 4 6 8 173 13 41 76 918
Rescuing asset-backed securities markets 0 0 0 60 1 4 6 178
THE BROKERAGE FIRM EFFECT IN HERDING: EVIDENCE FROM INDONESIA 0 0 0 17 2 7 7 145
Technology transfer perspectives in globalising India (drugs and pharmaceuticals and biotechnology) 0 0 0 191 3 8 9 676
Telecommunications and economic growth: a panel data approach 1 3 9 782 3 12 38 1,762
The Age of Reason: Financial Decisions over the Life Cycle and Implications for Regulation 0 1 2 143 2 17 57 1,153
The Importance of Adverse Selection in the Credit Card Market: Evidence from Randomized Trials of Credit Card Solicitations 0 0 0 44 1 7 16 422
The Reaction of Consumer Spending and Debt to Tax Rebates-Evidence from Consumer Credit Data 0 0 3 202 14 29 47 1,120
The Role of Soft Information in a Dynamic Contract Setting: Evidence from the Home Equity Credit Market 0 0 0 0 3 8 12 106
The Spending and Debt Response to Minimum Wage Hikes 0 0 2 256 1 13 40 1,006
The Term Structure of Lease Rates with Endogenous Default Triggers and Tenant Capital Structure: Theory and Evidence 0 0 1 18 0 6 11 110
The asset-backed securities markets, the crisis and TALF 0 0 1 121 1 4 7 412
The asset-backed securities markets, the crisis, and TALF 0 0 0 13 2 5 9 89
The efficiency of internal capital markets: Evidence from the Annual Capital Expenditure Survey 0 0 0 22 0 2 6 183
The impact of the 2001 financial crisis and the economic policy responses on the Argentine mortgage market 0 0 1 74 2 7 19 349
The role of securitization in mortgage renegotiation 0 1 1 41 2 11 20 273
Thy Neighbor’s Mortgage: Does Living in a Subprime Neighborhood Affect One’s Probability of Default? 0 0 0 34 0 7 13 144
Where does price discovery occur for stocks traded in multiple markets? Evidence from Hong Kong and London 0 0 0 52 3 9 13 271
Why aren't banks lending more? the role of commercial real estate 0 0 0 22 0 1 2 93
Why do foreign investors underperform domestic investors in trading activities? Evidence from Indonesia 0 0 0 93 4 9 17 349
Total Journal Articles 7 24 81 4,711 108 470 979 19,460


Statistics updated 2026-03-04