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Meet the Researchers

Photo of Kamila Sommer

Kamila Sommer

Chief Consumer Finance Section Research and Statistics
202-452-2909
[email protected]

Education

  • Ph.D., Economics, Georgetown University, 2010
  • M.A., Economics, Georgetown University, 2006
  • B.S., Mathematics, Virginia Union University, 2004
Current Research Topics
  • Housing, student loans, other consumer credit
  • Section Chief, Consumer Finance

    Board of Governors of the Federal Reserve System

    2021 - present
  • Group Manager, Flow of Funds

    Board of Governors of the Federal Reserve System

    2018 - 2021
  • Principal Economist, Real Estate Finance

    Board of Governors of the Federal Reserve System

    2017 - 2018
  • Senior Economist, Real Estate Finance

    Board of Governors of the Federal Reserve System

    2014 - 2017
  • Economist, Real Estate Finance

    Board of Governors of the Federal Reserve System

    2012 - 2014
  • Economist

    Fannie Mae

    2010 - 2012
  • 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)
  • The Effects of Credit Score Migration on Subprime Auto Loan and Credit Card Delinquencies
    John C. Driscoll, Jessica N. Flagg, Bradley Katcher, and Kamila Sommer
    FEDS Notes (2024)
    https://doi.org/10.17016/2380-7172.3419
  • The Distributional Financial Accounts of the United States
    Michael Batty, Jesse Bricker, Joseph Briggs, Sarah Friedman, Danielle Nemschoff, Eric Nielsen, Kamila Sommer, and Alice Henriques Volz
    National Bureau of Economic Research Studies in Income and Wealth (2022)
  • Measuring Aggregate Housing Wealth: New Insights from Machine Learning
    Joshua H. Gallin, Raven Molloy, Eric Nielsen, Paul Smith, and Kamila Sommer
    Journal of Housing Economics (2021)
    https://doi.org/10.1016/j.jhe.2020.101734
    See also » FRB Working Paper (2018)
  • Updating the Distributional Financial Accounts
    Michael Batty, Jesse Bricker, Ella Deeken, Sarah Friedman, Eric Nielsen, Kamila Sommer, Sarah Reber, and Alice Volz
    FEDS Notes (2020)
    https://doi.org/10.17016/2380-7172.2810
  • Student Debt Overhang: Imprint on Homeownership and the Economy
    Kamila Sommer
    Business Economics (2020)
    https://doi.org/10.1057/s11369-020-00181-5
  • 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)
  • A Historical Welfare Analysis of Social Security: Whom Did the Program Benefit?
    William B. Peterman and Kamila Sommer
    Quantitative Economics (2019)
    https://doi.org/10.3982/QE657
    See also » FRB Working Paper (2015)
  • Introducing the Distributional Financial Accounts of the United States
    Michael Batty, Jesse Bricker, Joseph Briggs, Elizabeth Holmquist, Susan McIntosh, Kevin Moore, Eric Nielsen, Sarah Reber, Molly Shatto, Kamila Sommer, Tom Sweeney, and Alice Henriques Volz
    Finance and Economics Discussion Series (2019)
    https://doi.org/10.17016/FEDS.2019.017
  • How Well did Social Security Mitigate the Effects of the Great Recession?
    William B. Peterman and Kamila Sommer
    International Economic Review (2019)
    https://doi.org/10.1111/iere.12392
  • Can Student Loan Debt Explain Low Homeownership Rates for Young Adults?
    Alvaro Mezza, Daniel Ringo, and Kamila Sommer
    Consumer & Community Context (2019)
  • A New Measure of Housing Wealth in the Financial Accounts of the United States
    Hannah Hall, Eric Nielsen, and Kamila Sommer
    FEDS Notes (2018)
    https://doi.org/10.17016/2380-7172.2261
  • Student Loan Debt and Aggregate Consumption Growth
    Laura Feiveson, Alvaro Mezza, and Kamila Sommer
    FEDS Notes (2018)
    https://doi.org/10.17016/2380-7172.2127
  • Implications of US Tax Policy for House Prices, Rents, and Homeownership
    Kamila Sommer and Paul Sullivan
    American Economic Review (2018)
    https://doi.org/10.1257/aer.20141751
  • Fertility Choice in a Life Cycle Model with Idiosyncratic Uninsurable Earnings Risk
    Kamila Sommer
    Journal of Monetary Economics (2016)
    https://doi.org/10.1016/j.jmoneco.2016.08.002
    See also » FRB Working Paper (2014)
  • A Trillion Dollar Question: What Predicts Student Loan Delinquencies?
    Alvaro Mezza and Kamila Sommer
    Journal of Student Financial Aid (2016)
    See also » FRB Working Paper (2015)
  • A Trillion Dollar Question: What Predicts Student Loan Delinquency Risk?
    Alvaro Mezza and Kamila Sommer
    FEDS Notes (2015)
    https://doi.org/10.17016/2380-7172.1647
    See also » FRB Working Paper (2015)
  • Student Loans and Homeownership Trends
    Alvaro Mezza, Kamila Sommer, and Shane M. Sherlund
    FEDS Notes (2014)
    https://doi.org/10.17016/2380-7172.0031
  • The Equilibrium Effect of Fundamentals on House Prices and Rents
    Kamila Sommer, Paul Sullivan, and Randal Verbrugge
    Journal of Monetary Economics (2013)
    https://doi.org/10.1016/j.jmoneco.2013.04.017
  • Essays in Quantitative Macroeconomics
    Kamila Sommer
    Georgetown University (2010)
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Last Update: November 18, 2024