Finance and Economics Discussion Series
2011 FEDS Papers 
2011-60 (March 2012)
Rising Inequality: Transitory or Permanent? New Evidence from a U.S. Panel of Household Income 1987-2006
Jason DeBacker, Bradley Heim, Vasia Panousi, and Ivan Vidangos
Abstract | Full paper (1 MB PDF) | Full paper (Screen Reader Version)
Rising Inequality: Transitory or Permanent? New Evidence from a U.S. Panel of Household Income 1987-2006
Jason DeBacker, Bradley Heim, Vasia Panousi, and Ivan Vidangos
Abstract | Full paper (1 MB PDF) | Full paper (Screen Reader Version)
2011-59 (January 2012)
A Review of Allan Meltzer's "A History of the Federal Reserve, Volume 2"
Edward Nelson
Abstract | Full paper (90 KB PDF) | Full paper (Screen Reader Version)
A Review of Allan Meltzer's "A History of the Federal Reserve, Volume 2"
Edward Nelson
Abstract | Full paper (90 KB PDF) | Full paper (Screen Reader Version)
2011-58 (March 2012)
The Information Content of the Embedded Deflation Option in TIPS
Olesya V. Grishchenko, Joel M. Vanden, and Jianing Zhang
Abstract | Full paper (724 KB PDF) | Full paper (Screen Reader Version)
The Information Content of the Embedded Deflation Option in TIPS
Olesya V. Grishchenko, Joel M. Vanden, and Jianing Zhang
Abstract | Full paper (724 KB PDF) | Full paper (Screen Reader Version)
2011-57 (January 2012)
Commodity Index Trading and Hedging Costs
Celso Brunetti and David Reiffen
Abstract | Full paper (428 KB PDF) | Full paper (Screen Reader Version)
Commodity Index Trading and Hedging Costs
Celso Brunetti and David Reiffen
Abstract | Full paper (428 KB PDF) | Full paper (Screen Reader Version)
2011-56 (January 2012)
The Usefulness of Core PCE Inflation Measures
Alan K. Detmeister
Abstract | Full paper (304 KB PDF) | Full paper (Screen Reader Version)
The Usefulness of Core PCE Inflation Measures
Alan K. Detmeister
Abstract | Full paper (304 KB PDF) | Full paper (Screen Reader Version)
2011-55 (January 2012)
Determining the Motives for a Positive Optimal Tax on Capital
William B. Peterman
Abstract | Full paper (581 KB PDF) | Full paper (Screen Reader Version)
Determining the Motives for a Positive Optimal Tax on Capital
William B. Peterman
Abstract | Full paper (581 KB PDF) | Full paper (Screen Reader Version)
2011-54 (June 2012)
Investment, Idiosyncratic Risk, and Ownership
Vasia Panousi and Dimitris Papanikolaou
Abstract | Full paper (554 KB PDF) | Full paper (Screen Reader Version)
Investment, Idiosyncratic Risk, and Ownership
Vasia Panousi and Dimitris Papanikolaou
Abstract | Full paper (554 KB PDF) | Full paper (Screen Reader Version)
2011-53 (April 2012)
Aging and Strategic Learning: The Impact of Spousal Incentives on Financial Literacy
Joanne W. Hsu
Abstract | Full paper (565 KB PDF) | Full paper (Screen Reader Version)
Aging and Strategic Learning: The Impact of Spousal Incentives on Financial Literacy
Joanne W. Hsu
Abstract | Full paper (565 KB PDF) | Full paper (Screen Reader Version)
2011-52 (April 2012)
Stock Return Predictability and Variance Risk Premia: Statistical Inference and International Evidence
Tim Bollerslev, James Marrone, Lai Xu, and Hao Zhou
Abstract | Full paper (566 KB PDF) | Full paper (Screen Reader Version)
Stock Return Predictability and Variance Risk Premia: Statistical Inference and International Evidence
Tim Bollerslev, James Marrone, Lai Xu, and Hao Zhou
Abstract | Full paper (566 KB PDF) | Full paper (Screen Reader Version)
2011-51 (July 2012)
Tossed and Turned: Wealth Dynamics of U.S. Households 2007-2009
Arthur B. Kennickell
Abstract | Full paper (165 KB PDF) | Full paper (Screen Reader Version)
Tossed and Turned: Wealth Dynamics of U.S. Households 2007-2009
Arthur B. Kennickell
Abstract | Full paper (165 KB PDF) | Full paper (Screen Reader Version)
2011-50 (April 2012)
Distributional dynamics under smoothly state-dependent pricing
James Costain and Anton Nakov
Abstract | Full paper (850 KB PDF) | Full paper (Screen Reader Version)
Distributional dynamics under smoothly state-dependent pricing
James Costain and Anton Nakov
Abstract | Full paper (850 KB PDF) | Full paper (Screen Reader Version)
2011-49 (April 2012)
Liquidity Risk and Hedge Fund Ownership
Charles Cao and Lubomir Petrasek
Abstract | Full paper (560 KB PDF) | Full paper (Screen Reader Version)
Liquidity Risk and Hedge Fund Ownership
Charles Cao and Lubomir Petrasek
Abstract | Full paper (560 KB PDF) | Full paper (Screen Reader Version)
2011-48 (April 2012)
Optimal Monetary Policy with State-Dependent Pricing
Anton Nakov and Carlos Thomas
Abstract | Full paper (227 KB PDF) | Full paper (Screen Reader Version)
Optimal Monetary Policy with State-Dependent Pricing
Anton Nakov and Carlos Thomas
Abstract | Full paper (227 KB PDF) | Full paper (Screen Reader Version)
2011-47 (March 2012)
An Empirical Investigation of Consumption-based Asset Pricing Models with Stochastic Habit Formation
Qiang Dai and Olesya V. Grishchenko
Abstract | Full paper (308 KB PDF) | Full paper (Screen Reader Version)
An Empirical Investigation of Consumption-based Asset Pricing Models with Stochastic Habit Formation
Qiang Dai and Olesya V. Grishchenko
Abstract | Full paper (308 KB PDF) | Full paper (Screen Reader Version)
2011-46 (April 2012)
From Many Series, One Cycle: Improved Estimates of the Business Cycle from a Multivariate Unobserved Components Model
Charles A. Fleischman and John M. Roberts
Abstract | Full paper (291 KB PDF) | Full paper (Screen Reader Version)
From Many Series, One Cycle: Improved Estimates of the Business Cycle from a Multivariate Unobserved Components Model
Charles A. Fleischman and John M. Roberts
Abstract | Full paper (291 KB PDF) | Full paper (Screen Reader Version)
2011-45 (January 2012)
Risk, Uncertainty, and Expected Returns
Turan G. Bali and Hao Zhou
Abstract | Full paper (452 KB PDF) | Full paper (Screen Reader Version)
Risk, Uncertainty, and Expected Returns
Turan G. Bali and Hao Zhou
Abstract | Full paper (452 KB PDF) | Full paper (Screen Reader Version)
2011-44 (November)
Two Practical Algorithms for Solving Rational Expectations Models
Flint Brayton
Abstract | Full paper (276 KB PDF) | Full paper (Screen Reader Version)
Two Practical Algorithms for Solving Rational Expectations Models
Flint Brayton
Abstract | Full paper (276 KB PDF) | Full paper (Screen Reader Version)
2011-43 (October)
How Do Joint Supervisors Examine Financial Institutions? The Case of State Banks
Marcelo Rezende
Abstract | Full paper (142 KB PDF) | Full paper (Screen Reader Version)
How Do Joint Supervisors Examine Financial Institutions? The Case of State Banks
Marcelo Rezende
Abstract | Full paper (142 KB PDF) | Full paper (Screen Reader Version)
2011-42 (October)
Measuring the Level and Uncertainty of Trend Inflation
Elmar Mertens
Abstract | Full paper (1 MB PDF) | Full paper (Screen Reader Version)
Measuring the Level and Uncertainty of Trend Inflation
Elmar Mertens
Abstract | Full paper (1 MB PDF) | Full paper (Screen Reader Version)
2011-41 (October)
Polarization, immigration, education: What's behind the dramatic decline in youth employment?
Christopher L. Smith
Abstract | Full paper (584 KB PDF) | Full paper (Screen Reader Version)
Polarization, immigration, education: What's behind the dramatic decline in youth employment?
Christopher L. Smith
Abstract | Full paper (584 KB PDF) | Full paper (Screen Reader Version)
2011-40 (September)
Plant-Level Responses to Antidumping Duties: Evidence from U.S. Manufacturers
Justin R. Pierce
Abstract | Full paper (134 KB PDF) | Full paper (Screen Reader Version)
Plant-Level Responses to Antidumping Duties: Evidence from U.S. Manufacturers
Justin R. Pierce
Abstract | Full paper (134 KB PDF) | Full paper (Screen Reader Version)
2011-39 (September)
Belief Dispersion among Household Investors and Stock Trading Volume
Dan Li and Geng Li
Abstract | Full paper (288 KB PDF) | Full paper (Screen Reader Version)
Belief Dispersion among Household Investors and Stock Trading Volume
Dan Li and Geng Li
Abstract | Full paper (288 KB PDF) | Full paper (Screen Reader Version)
2011-38 (September)
Credit Availability and the Collapse of the Banking Sector in the 1930s
Mark A. Carlson and Jonathan D. Rose
Abstract | Full paper (314 KB PDF) | Full paper (Screen Reader Version)
Credit Availability and the Collapse of the Banking Sector in the 1930s
Mark A. Carlson and Jonathan D. Rose
Abstract | Full paper (314 KB PDF) | Full paper (Screen Reader Version)
2011-37 (September)
The unreliability of credit-to-GDP ratio gaps in real-time: Implications for countercyclical capital buffers
Rochelle M. Edge and Ralf R. Meisenzahl
Abstract | Full paper (516 KB PDF) | Full paper (Screen Reader Version)
The unreliability of credit-to-GDP ratio gaps in real-time: Implications for countercyclical capital buffers
Rochelle M. Edge and Ralf R. Meisenzahl
Abstract | Full paper (516 KB PDF) | Full paper (Screen Reader Version)
2011-36 (August)
The Subprime Crisis: Is Government Housing Policy to Blame?
Robert B. Avery and Kenneth P. Brevoort
Abstract | Full paper (475 KB PDF) | Full paper (Screen Reader Version)
The Subprime Crisis: Is Government Housing Policy to Blame?
Robert B. Avery and Kenneth P. Brevoort
Abstract | Full paper (475 KB PDF) | Full paper (Screen Reader Version)
2011-35 (August)
Examining the Impact of Credit Access on Small Firm Survivability
Traci L. Mach and John D. Wolken
Abstract | Full paper (349 KB PDF) | Full paper (Screen Reader Version)
Examining the Impact of Credit Access on Small Firm Survivability
Traci L. Mach and John D. Wolken
Abstract | Full paper (349 KB PDF) | Full paper (Screen Reader Version)
2011-34 (August)
Capital Ratios and Bank Lending: A Matched Bank Approach
Mark Carlson, Hui Shan, and Missaka Warusawitharana
Abstract | Full paper (215 KB PDF) | Full paper (Screen Reader Version)
Capital Ratios and Bank Lending: A Matched Bank Approach
Mark Carlson, Hui Shan, and Missaka Warusawitharana
Abstract | Full paper (215 KB PDF) | Full paper (Screen Reader Version)
2011-33 (July)
Have Cyclical Movements in the Unemployment Rate Become More Persistent?
Andrew Figura
Abstract | Full paper (228 KB PDF) | Full paper (Screen Reader Version)
Have Cyclical Movements in the Unemployment Rate Become More Persistent?
Andrew Figura
Abstract | Full paper (228 KB PDF) | Full paper (Screen Reader Version)
2011-32 (July)
The Post-Foreclosure Experience of U.S. Households
Raven Molloy and Hui Shan
Abstract | Full paper (202 KB PDF) | Full paper (Screen Reader Version)
The Post-Foreclosure Experience of U.S. Households
Raven Molloy and Hui Shan
Abstract | Full paper (202 KB PDF) | Full paper (Screen Reader Version)
2011-31 (June)
Legal Entity Identifier: What Else Do You Need to Know?
Linda F. Powell, Mark Montoya, and Elena Shuvalov
Abstract | Full paper (107 KB PDF) | Full paper (Screen Reader Version)
Legal Entity Identifier: What Else Do You Need to Know?
Linda F. Powell, Mark Montoya, and Elena Shuvalov
Abstract | Full paper (107 KB PDF) | Full paper (Screen Reader Version)
2011-30 (May)
Internal Migration in the United States
Raven Molloy, Christopher L. Smith, and Abigail Wozniak
Abstract | Full paper (150 KB PDF) | Full paper (Screen Reader Version)
Internal Migration in the United States
Raven Molloy, Christopher L. Smith, and Abigail Wozniak
Abstract | Full paper (150 KB PDF) | Full paper (Screen Reader Version)
2011-29 (May)
Credit Supply to Personal Bankruptcy Filers: Evidence from Credit Card Mailings
Song Han, Benjamin J. Keys, and Geng Li
Abstract | Full paper (311 KB PDF) | Full paper (Screen Reader Version)
Credit Supply to Personal Bankruptcy Filers: Evidence from Credit Card Mailings
Song Han, Benjamin J. Keys, and Geng Li
Abstract | Full paper (311 KB PDF) | Full paper (Screen Reader Version)
2011-28 (May)
Financial Capital and the Macroeconomy: Policy Considerations
Michael T. Kiley and Jae W. Sim
Abstract | Full paper (327 KB PDF) | Full paper (Screen Reader Version)
Financial Capital and the Macroeconomy: Policy Considerations
Michael T. Kiley and Jae W. Sim
Abstract | Full paper (327 KB PDF) | Full paper (Screen Reader Version)
2011-27 (May)
Financial Capital and the Macroeconomy: A Quantitative Framework
Michael T. Kiley and Jae W. Sim
Abstract | Full paper (376 KB PDF) | Full paper (Screen Reader Version)
Financial Capital and the Macroeconomy: A Quantitative Framework
Michael T. Kiley and Jae W. Sim
Abstract | Full paper (376 KB PDF) | Full paper (Screen Reader Version)
2011-26 (May)
Friedman's Monetary Economics in Practice
Edward Nelson
Abstract | Full paper (214 KB PDF) | Full paper (Screen Reader Version)
Friedman's Monetary Economics in Practice
Edward Nelson
Abstract | Full paper (214 KB PDF) | Full paper (Screen Reader Version)
2011-25 (May)
Household Income Uncertainties over Three Decades
James Feigenbaum and Geng Li
Abstract | Full paper (293 KB PDF) | Full paper (Screen Reader Version)
Household Income Uncertainties over Three Decades
James Feigenbaum and Geng Li
Abstract | Full paper (293 KB PDF) | Full paper (Screen Reader Version)
2011-24 (May)
Forecasting Recessions Using Stall Speeds
Jeremy J. Nalewaik
Abstract | Full paper (534 KB PDF) | Full paper (Screen Reader Version)
Forecasting Recessions Using Stall Speeds
Jeremy J. Nalewaik
Abstract | Full paper (534 KB PDF) | Full paper (Screen Reader Version)
2011-23 (May)
The First Line of Defense: The Discount Window During the Early Stages of the Financial Crisis
Elizabeth Klee
Abstract | Full paper (359 KB PDF) | Full paper (Screen Reader Version)
The First Line of Defense: The Discount Window During the Early Stages of the Financial Crisis
Elizabeth Klee
Abstract | Full paper (359 KB PDF) | Full paper (Screen Reader Version)
2011-22 (April)
Volatility, Money Market Rates, and the Transmission of Monetary Policy
Seth B. Carpenter and Selva Demiralp
Abstract | Full paper (237 KB PDF) | Full paper (Screen Reader Version)
Volatility, Money Market Rates, and the Transmission of Monetary Policy
Seth B. Carpenter and Selva Demiralp
Abstract | Full paper (237 KB PDF) | Full paper (Screen Reader Version)
2011-21 (April)
Are Adjustable-Rate Mortgage Borrowers Borrowing Constrained?
Kathleen W. Johnson and Geng Li
Abstract | Full paper (103 KB PDF) | Full paper (Screen Reader Version)
Are Adjustable-Rate Mortgage Borrowers Borrowing Constrained?
Kathleen W. Johnson and Geng Li
Abstract | Full paper (103 KB PDF) | Full paper (Screen Reader Version)
2011-20 (April)
Investment, Accounting, and the Salience of the Corporate Income Tax
Jesse Edgerton
Abstract | Full paper (293 KB PDF) | Full paper (Screen Reader Version)
Investment, Accounting, and the Salience of the Corporate Income Tax
Jesse Edgerton
Abstract | Full paper (293 KB PDF) | Full paper (Screen Reader Version)
2011-19 (April)
Dynamic Factor Value-at-Risk for Large, Heteroskedastic Portfolios
Sirio Aramonte, Marius del Giudice Rodriguez, and Jason J. Wu
Abstract | Full paper (1 MB PDF) | Full paper (Screen Reader Version)
Dynamic Factor Value-at-Risk for Large, Heteroskedastic Portfolios
Sirio Aramonte, Marius del Giudice Rodriguez, and Jason J. Wu
Abstract | Full paper (1 MB PDF) | Full paper (Screen Reader Version)
2011-18 (April)
Cointegration Test with Stationary Covariates and the CDS-Bond Basis during the Financial Crisis
Jason J. Wu and Aaron L. Game
Abstract | Full paper (432 KB PDF) | Full paper (Screen Reader Version)
Cointegration Test with Stationary Covariates and the CDS-Bond Basis during the Financial Crisis
Jason J. Wu and Aaron L. Game
Abstract | Full paper (432 KB PDF) | Full paper (Screen Reader Version)
2011-17 (March)
Surveying the Aftermath of the Storm: Changes in Family Finances from 2007 to 2009
Jesse Bricker, Brian Bucks, Arthur Kennickell, Traci Mach, and Kevin Moore
Abstract | Full paper (196 KB PDF) | Full paper (Screen Reader Version)
Surveying the Aftermath of the Storm: Changes in Family Finances from 2007 to 2009
Jesse Bricker, Brian Bucks, Arthur Kennickell, Traci Mach, and Kevin Moore
Abstract | Full paper (196 KB PDF) | Full paper (Screen Reader Version)
2011-16 (March)
Securitization Markets and Central Banking: An Evaluation of the Term Asset-Backed Securities Loan Facility
Sean Campbell, Daniel Covitz, William Nelson, and Karen Pence
Abstract | Full paper (349 KB PDF) | Full paper (Screen Reader Version)
Securitization Markets and Central Banking: An Evaluation of the Term Asset-Backed Securities Loan Facility
Sean Campbell, Daniel Covitz, William Nelson, and Karen Pence
Abstract | Full paper (349 KB PDF) | Full paper (Screen Reader Version)
2011-15 (March)
Agency Problems in Public Firms: Evidence from Corporate Jets in Leveraged Buyouts
Jesse Edgerton
Abstract | Full paper (359 KB PDF) | Full paper (Screen Reader Version)
Agency Problems in Public Firms: Evidence from Corporate Jets in Leveraged Buyouts
Jesse Edgerton
Abstract | Full paper (359 KB PDF) | Full paper (Screen Reader Version)
2011-14 (March)
The Expected Real Return to Equity
Missaka Warusawitharana
Abstract | Full paper (1 KB PDF) | Full paper (Screen Reader Version)
The Expected Real Return to Equity
Missaka Warusawitharana
Abstract | Full paper (1 KB PDF) | Full paper (Screen Reader Version)
2011-13 (March)
Preferences for Banking and Payment Services Among Low- and Moderate-Income Households
Michael S. Barr, Jane K. Dokko, and Eleanor M. Feit
Abstract | Full paper (250 KB PDF) | Full paper (Screen Reader Version)
Preferences for Banking and Payment Services Among Low- and Moderate-Income Households
Michael S. Barr, Jane K. Dokko, and Eleanor M. Feit
Abstract | Full paper (250 KB PDF) | Full paper (Screen Reader Version)
2011-12 (March)
Litigation Risk, Strategic Disclosure and the Underpricing of Initial Public Offerings
Kathleen Weiss Hanley and Gerard Hoberg
Abstract | Full paper (285 KB PDF) | Full paper (Screen Reader Version)
Litigation Risk, Strategic Disclosure and the Underpricing of Initial Public Offerings
Kathleen Weiss Hanley and Gerard Hoberg
Abstract | Full paper (285 KB PDF) | Full paper (Screen Reader Version)
2011-11 (March)
How Useful are Estimated DSGE Model Forecasts
Rochelle M. Edge and Refet S. Gurkaynak
Abstract | Full paper (1 MB PDF) | Full paper (Screen Reader Version)
How Useful are Estimated DSGE Model Forecasts
Rochelle M. Edge and Refet S. Gurkaynak
Abstract | Full paper (1 MB PDF) | Full paper (Screen Reader Version)
2011-10 (March)
What Drives Matching Efficiency? A Tale of Composition and Dispersion
Regis Barnichon and Andrew Figura
Abstract | Full paper (1 KB PDF) | Full paper (Screen Reader Version)
What Drives Matching Efficiency? A Tale of Composition and Dispersion
Regis Barnichon and Andrew Figura
Abstract | Full paper (1 KB PDF) | Full paper (Screen Reader Version)
2011-09 (February)
Liquidity Problems and Early Payment Default Among Subprime Mortgages
Nathan B. Anderson and Jane K. Dokko
Abstract | Full paper (285 KB PDF) | Full paper (Screen Reader Version)
Liquidity Problems and Early Payment Default Among Subprime Mortgages
Nathan B. Anderson and Jane K. Dokko
Abstract | Full paper (285 KB PDF) | Full paper (Screen Reader Version)
2011-08 (January)
Systemic Risk Contributions
Xin Huang, Hao Zhou, and Haibin Zhu
Abstract | Full paper (397 KB PDF) | Full paper (Screen Reader Version)
Systemic Risk Contributions
Xin Huang, Hao Zhou, and Haibin Zhu
Abstract | Full paper (397 KB PDF) | Full paper (Screen Reader Version)
2011-07 (January)
Creating a Linchpin for Financial Data: Toward a Universal Legal Entity Identifier
John A. Bottega and Linda F. Powell
Abstract | Full paper (199 KB PDF) | Full paper (Screen Reader Version)
Creating a Linchpin for Financial Data: Toward a Universal Legal Entity Identifier
John A. Bottega and Linda F. Powell
Abstract | Full paper (199 KB PDF) | Full paper (Screen Reader Version)
2011-06 (January)
Are Household Surveys Like Tax Forms: Evidence from Income Underreporting of the Self-Employed
Erik Hurst, Geng Li, and Benjamin Pugsley
Abstract | Full paper (330 KB PDF) | Full paper (Screen Reader Version)
Are Household Surveys Like Tax Forms: Evidence from Income Underreporting of the Self-Employed
Erik Hurst, Geng Li, and Benjamin Pugsley
Abstract | Full paper (330 KB PDF) | Full paper (Screen Reader Version)
2011-05 (January)
Differences Across Originators in CMBS Loan Underwriting
Lamont K. Black, Chenghuan Sean Chu, Andrew Cohen, and Joseph B. Nichols
Abstract | Full paper (407 KB PDF) | Full paper (Screen Reader Version)
Differences Across Originators in CMBS Loan Underwriting
Lamont K. Black, Chenghuan Sean Chu, Andrew Cohen, and Joseph B. Nichols
Abstract | Full paper (407 KB PDF) | Full paper (Screen Reader Version)
2011-04 (January)
Verifying the State of Financing Constraints: Evidence from US Business Credit Contracts
Ralf R. Meisenzahl
Abstract | Full paper (887 KB PDF) | Full paper (Screen Reader Version)
Verifying the State of Financing Constraints: Evidence from US Business Credit Contracts
Ralf R. Meisenzahl
Abstract | Full paper (887 KB PDF) | Full paper (Screen Reader Version)
2011-03 (January)
Estimating Machinery Supply Elasticities Using Output Price Booms
Jesse Edgerton
Abstract | Full paper (249 KB PDF) | Full paper (Screen Reader Version)
Estimating Machinery Supply Elasticities Using Output Price Booms
Jesse Edgerton
Abstract | Full paper (249 KB PDF) | Full paper (Screen Reader Version)
2011-02 (January)
Credit Default Swap Spreads and Variance Risk Premia
Hao Wang, Hao Zhou, and Yi Zhou
Abstract | Full paper (434 KB PDF) | Full paper (Screen Reader Version)
Credit Default Swap Spreads and Variance Risk Premia
Hao Wang, Hao Zhou, and Yi Zhou
Abstract | Full paper (434 KB PDF) | Full paper (Screen Reader Version)
2011-01 (January)
Did the Federal Reserve's MBS Purchase Program Lower Mortgage Rates?
Diana Hancock and Wayne Passmore
Abstract | Full paper (545 KB PDF) | Full paper (Screen Reader Version)
Did the Federal Reserve's MBS Purchase Program Lower Mortgage Rates?
Diana Hancock and Wayne Passmore
Abstract | Full paper (545 KB PDF) | Full paper (Screen Reader Version)