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The Covid-19 shock and consumer credit: Evidence from credit card data
We study the dynamic effect of the COVID-19 shock on credit card use in 2020. Local case
incidence had a strong negative effect on credit card spending in the early months of the …
incidence had a strong negative effect on credit card spending in the early months of the …
Expectations uncertainty and household economic behavior
I Ben-David, E Fermand, CM Kuhnen, G Li - 2018 - nber.org
We show that there exists significant heterogeneity across US households in how uncertain
they are in their expectations regarding personal and macroeconomic outcomes, and that …
they are in their expectations regarding personal and macroeconomic outcomes, and that …
Lending cycles and real outcomes: Costs of political misalignment
We document a strong political cycle in bank credit and industry outcomes in Turkey. In line
with theories of tactical redistribution, state-owned banks systematically adjust their lending …
with theories of tactical redistribution, state-owned banks systematically adjust their lending …
Did technology contribute to the housing boom? Evidence from MERS
We examine the effects of the Mortgage Electronic Registration System, or MERS, on
mortgage origination volumes and foreclosure rates prior to the Great Recession. MERS …
mortgage origination volumes and foreclosure rates prior to the Great Recession. MERS …
Measuring “state-level” economic policy uncertainty
We develop 50 indices of state-level economic policy uncertainty (SEPU) based on
newspaper coverage frequency using 204 million newspaper articles from Mar. 1984 to Dec …
newspaper coverage frequency using 204 million newspaper articles from Mar. 1984 to Dec …
Pushing boundaries: Political redistricting and consumer credit
Consumers lose access to credit when their congressional district boundaries are irregularly
redrawn to benefit a political party (ie, are gerrymandered). We identify this effect by …
redrawn to benefit a political party (ie, are gerrymandered). We identify this effect by …
Household financial decision making
Households play an important role in the economy. Households are the most important
decision-making agents that drive consumption and savings in the economy. The savings …
decision-making agents that drive consumption and savings in the economy. The savings …
Real effects of markets on politics: Evidence from US presidential elections
Despite the economic importance of the US stock market, there is strikingly little evidence of
its impact on elections. Using county-level variation in stock market participation, we …
its impact on elections. Using county-level variation in stock market participation, we …
The local effects of foreclosures
We exploit the staggered and discontinuous changes in interest rates among adjustable rate
mortgages to identify the effects of foreclosures independently of housing prices. First …
mortgages to identify the effects of foreclosures independently of housing prices. First …
[PDF][PDF] Expectations uncertainty and household economic behavior
We show that there exists significant heterogeneity across US households in how uncertain
they are in their expectations regarding personal and macroeconomic outcomes, and that …
they are in their expectations regarding personal and macroeconomic outcomes, and that …