The 2020 COVID-19 pandemic led to a large number of studies in household finance, using
new high-frequency data in close to real time. In this article, we survey household behavior …

Using novel data, we show that during the COVID-19 pandemic minority and lower-income
borrowers experienced significantly more financial distress. We quantify how much the …

Neighborhood peer effects have been shown to affect households publicly observable
decisions, but how they affect private decisions, like mortgage refinancing, remains unclear …

This paper uses a survey of over 2500 rental property owners in ten cities across the United
States to determine the impact of the COVID-19 pandemic on landlords' rent collection and …

Proponents have been arguing for more than 20 years that utility, telecommunications, and
rental payment history can improve credit underwriting models, thereby expanding access to …

The racial homeownership gap and widening wealth gap in this country are no accident.
They were born out of overtly discriminatory policies and practices, and the legacies of these …

This study documents the credit outcomes of older adults immediately before and after the
onset of the COVID-19 pandemic in the United States. On average, older adults experienced …

Normalizing Forbearance Page 1 RESEARCH REPORT Normalizing Forbearance Alexei
Alexandrov Laurie Goodman Ted Tozer July 2022 HOUSING AND HOUSING FINANCE Page …

This analysis focuses on the evolution of household balance sheets over the course of the
COVID-19 pandemic. Balance sheets have been buffeted by many factors, including …

This paper examines the impact of racial minority representation on advertising
effectiveness. We do this by first assembling data on 10 million mortgage refinance loans …