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Photo of Daniel R. Ringo

Daniel R. Ringo

Principal Economist Real Estate Finance Section Research and Statistics
202-452-2935
[email protected]

Education

  • Ph.D., Economics, University of Rochester, 2014
Current Research Topics
  • Housing Markets
  • Access to Credit
  • Principal Economist

    Board of Governors of the Federal Reserve System

    2021 - present
  • Economist

    Board of Governors of the Federal Reserve System

    2014 - 2020
  • Monetary Policy and Home Buying Inequality
    Daniel Ringo
    Review of Economics and Statistics (Forthcoming)
    https://doi.org/10.1162/rest_a_01445
    See also » FRB Working Paper (2023)
  • How Much Does Racial Bias Affect Mortgage Lending? Evidence from Human and Algorithmic Credit Decisions
    Neil Bhutta, Aurel Hizmo, and Daniel Ringo
    Journal of Finance (Forthcoming)
    See also » FRB Working Paper (2022)
  • Student Loans, Access to Credit, and Consumer Credit Demand
    Alvaro Mezza, Daniel Ringo, and Kamila Sommer
    Review of Financial Studies (Forthcoming)
    https://doi.org/10.1093/rfs/hhae046
    See also » FRB Working Paper (2021)
  • Introducing a Credit Bureau-Based Measure of U.S. Household Debt Service
    Daniel Ringo
    FEDS Notes (2024)
    https://doi.org/10.17016/2380-7172.3615
  • Inframarginal Borrowers and the Mortgage Payment Channel of Monetary Policy
    Daniel Ringo
    Finance and Economics Discussion Series (2024)
    https://doi.org/10.17016/FEDS.2024.069
  • Volatility in Home Sales and Prices: Supply or Demand?
    Elliot Anenberg and Daniel Ringo
    Journal of Urban Economics (2024)
    https://doi.org/10.1016/j.jue.2023.103610
    See also » FRB Working Paper (2022)
  • Mortgage Lending, Default, and the Community Reinvestment Act
    Daniel Ringo
    Journal of Money, Credit and Banking (2023)
    https://doi.org/10.1111/jmcb.12932
  • Monetary Policy and Home Buying Inequality
    Daniel Ringo
    Finance and Economics Discussion Series (2023)
    https://doi.org/10.17016/FEDS.2023.006
  • Declining Affordability and Home Purchase Borrowing by Lower Income Households
    Daniel Ringo
    FEDS Notes (2022)
    https://doi.org/10.17016/2380-7172.3160
  • The Propagation of Demand Shocks Through Housing Markets
    Elliot Anenberg and Daniel Ringo
    American Economic Journal: Macroeconomics (2022)
    https://doi.org/10.1257/mac.20200037
    See also » FRB Working Paper (2019)
  • Housing Market Tightness During COVID-19: Increased Demand or Reduced Supply?
    Elliot Anenberg and Daniel Ringo
    FEDS Notes (2021)
    https://doi.org/10.17016/2380-7172.2942
  • The Effect of Interest Rates on Home Buying: Evidence From a Shock to Mortgage Insurance Premiums
    Neil Bhutta and Daniel Ringo
    Journal of Monetary Economics (2021)
    https://doi.org/10.1016/j.jmoneco.2020.10.001
  • Home Ownership as a Labor Market Friction
    Daniel R. Ringo
    Real Estate Economics (2021)
    https://doi.org/10.1111/1540-6229.12309
  • "Revitalize or Stabilize": Does Community Development Financing Work?
    Daniel Ringo
    Finance and Economics Discussion Series (2020)
    https://doi.org/10.17016/FEDS.2020.029
  • Student Loans and Homeownership
    Alvaro A. Mezza, Daniel R. Ringo, Shane M. Sherlund, and Kamila Sommer
    Journal of Labor Economics (2020)
    https://doi.org/10.1086/704609
    See also » FRB Working Paper (2016)
  • Can Student Loan Debt Explain Low Homeownership Rates for Young Adults?
    Alvaro Mezza, Daniel Ringo, and Kamila Sommer
    Consumer & Community Context (2019)
  • Parental Credit Constraints and Child College Attendance
    Daniel Ringo
    Education Finance and Policy (2019)
    https://doi.org/10.1162/edfp_a_00259
  • The Decline in Lending to Lower-Income Borrowers by the Biggest Banks
    Neil Bhutta, Steven Laufer, and Daniel R. Ringo
    FEDS Notes (2017)
    https://doi.org/10.17016/2380-7172.2077
  • Are Rising Home Values Restraining Homebuying for Lower-Income Families?
    Neil Bhutta, Steven Laufer, and Daniel R. Ringo
    FEDS Notes (2017)
    https://doi.org/10.17016/2380-7172.2078
  • Residential Mortgage Lending in 2016: Evidence from the Home Mortgage Disclosure Act Data
    Neil Bhutta, Steven Laufer, and Daniel R. Ringo
    Federal Reserve Bulletin (2017)
    https://doi.org/10.17016/bulletin.2017.103-6
  • Credit Availability and the Decline in Mortgage Lending to Minorities after the Housing Boom
    Neil Bhutta and Daniel Ringo
    FEDS Notes (2016)
    https://doi.org/10.17016/2380-7172.1842
  • Residential Mortgage Lending from 2004 to 2015: Evidence from the Home Mortgage Disclosure Act Data
    Neil Bhutta and Daniel R. Ringo
    Federal Reserve Bulletin (2016)
    https://doi.org/10.17016/bulletin.2016.102-6
  • Effects of the Ability to Repay and Qualified Mortgage Rules on the Mortgage Market
    Neil Bhutta and Daniel R. Ringo
    FEDS Notes (2015)
    https://doi.org/10.17016/2380-7172.1680
  • Assessing the Community Reinvestment Act's Role in the Financial Crisis
    Neil Bhutta and Daniel R. Ringo
    FEDS Notes (2015)
    https://doi.org/10.17016/2380-7172.1530
  • The 2014 Home Mortgage Disclosure Act Data
    Neil Bhutta, Jack Popper, and Daniel R. Ringo
    Federal Reserve Bulletin (2015)
    https://doi.org/10.17016/bulletin.2015.101-4
  • The 2013 Home Mortgage Disclosure Act Data
    Neil Bhutta and Daniel R. Ringo
    Federal Reserve Bulletin (2014)
    https://doi.org/10.17016/bulletin.2014.100-6
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Last Update: November 18, 2024