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Working Papers

Homeownership Symposium - Tax Reform and Sprawl

Thomas Davidoff • September 18, 2013

HBTL-05: This paper discusses links among three familiar developments in US housing markets over the last quarter century: ongoing “sprawl” of housing units away from…
Working Papers

Behaviorally Informed Home Mortgage Credit Regulation

Michael Barr, Sendhil Mullainathan, Eldar Shafir • April 1, 2008

UCC08-12: Choosing a mortgage is one of the biggest financial decisions an American consumer will make. Yet it can be a complicated one, especially in today’s…
Working Papers

Where Does it Go? Spending by the Financially Constrained

Shawn Cole, John Thompson, Peter Tufano • February 1, 2008

UCC08-3: In this paper, we analyze the spending decisions of over 1.5 million Americans who vary in their degree of revealed credit constraints. Specifically, we analyze…