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Meet the Researchers

Photo of Lisa J. Dettling

Lisa J. Dettling

Principal Economist Fiscal Analysis Section Research and Statistics
lisa.j.dettling@frb.gov

Education

  • Ph.D., Economics, University of Maryland, 2013
  • B.S., Economics and Mathematics, The Ohio State University, 2007
Current Research Topics
  • Household formation, Social policy, Household finance
  • Principal Economist, Fiscal Analysis Section

    Board of Governors of the Federal Reserve System

    2021 - present
  • Principal Economist, Microeconomic Surveys Section

    Board of Governors of the Federal Reserve System

    2019 - 2021
  • Senior Economist, Microeconomic Surveys Section

    Board of Governors of the Federal Reserve System

    2016 - 2019
  • Economist, Microeconomic Surveys Section

    Board of Governors of the Federal Reserve System

    2013 - 2016
  • Did the Modern Mortgage Set the Stage for the U.S. Baby Boom?
    Lisa J. Dettling and Melissa Schettini Kearney
    NBER Working Paper Series (2025)
    https://doi.org/10.3386/w33446
  • Saving and Wealth Accumulation among Student Loan Borrowers: Implications for Retirement Preparedness
    Lisa J. Dettling, Sarena F. Goodman, and Sarah J. Reber
    Real-World Shocks and Retirement System Resiliency (2024)
    https://doi.org/10.1093/oso/9780198894131.003.0007
    See also » FRB Working Paper (2022)
  • Monetary Policy and Birth Rates: The Effect of Mortgage Rate Pass-Through on Fertility
    Fergus Cumming and Lisa Dettling
    Review of Economic Studies (2024)
    https://doi.org/10.1093/restud/rdad034
    See also » FRB Working Paper (2020)
  • Taking It to the Limit: Effects of Increased Student Loan Availability on Attainment, Earnings, and Financial Well-Being
    Sandra E. Black, Jeffrey T. Denning, Lisa J. Dettling, Sarena Goodman, and Lesley J. Turner
    American Economic Review (2023)
    https://doi.org/10.1257/aer.20210926
  • The smart money is in cash? Financial literacy and liquid savings among U.S. families
    Neil Bhutta, Jacqueline Blair, and Lisa Dettling
    Journal of Accounting and Public Policy (2023)
    https://doi.org/10.1016/j.jaccpubpol.2022.107000
    See also » FRB Working Paper (2021)
  • The Cyclicality of Births and Babies’ Health, Revisited: Evidence from Unemployment Insurance
    Lisa J. Dettling and Melissa Schettini Kearney
    NBER Working Paper Series (2023)
    https://doi.org/10.3386/w30937
  • Minimum Wages and Consumer Credit: Effects on Access and Borrowing
    Lisa J. Dettling and Joanne W. Hsu
    Review of Financial Studies (2021)
    https://doi.org/10.1093/rfs/hhaa091
    See also » FRB Working Paper (2017)
  • Why is the Default Rate So Low? How Economic Conditions and Public Policies Have Shaped Mortgage and Auto Delinquencies During the COVID-19 Pandemic
    Lisa J. Dettling and Lauren Lambie-Hanson
    FEDS Notes (2021)
    https://doi.org/10.17016/2380-7172.2854
  • Stress Testing Household Debt
    Neil Bhutta, Jesse Bricker, Lisa Dettling, Jimmy Kelliher, and Steven Laufer
    Journal of Credit Risk (2020)
    https://doi.org/10.21314/JCR.2020.268
    See also » FRB Working Paper (2019)
  • COVID-19, the CARES Act, and Families' Financial Security
    Neil Bhutta, Jacqueline Blair, Lisa Dettling, and Kevin Moore
    National Tax Journal (2020)
    https://doi.org/10.17310/ntj.2020.3.02
  • Money in the Bank? Assessing Families' Liquid Savings using the Survey of Consumer Finances
    Neil Bhutta and Lisa Dettling
    FEDS Notes (2018)
    https://doi.org/10.17016/2380-7172.2275
  • A Wealthless Recovery? Asset Ownership and the Uneven Recovery from the Great Recession
    Lisa J. Dettling, Joanne W. Hsu, and Elizabeth Llanes
    FEDS Notes (2018)
    https://doi.org/10.17016/2380-7172.2249
  • Returning to the Nest: Debt and Parental Co-Residence Among Young Adults
    Lisa J. Dettling and Joanne W. Hsu
    Labour Economics (2018)
    https://doi.org/10.1016/j.labeco.2017.12.006
    See also » FRB Working Paper (2014)
  • Every Little Bit Counts: The Impact of High-Speed Internet on the Transition to College
    Lisa J. Dettling, Sarena Goodman, and Jonathan Smith
    Review of Economics and Statistics (2018)
    https://doi.org/10.1162/REST_a_00712
    See also » FRB Working Paper (2015)
  • Playing Catch-up: Youth Today Are Not Building Wealth The Way Their Parents Did
    Lisa Dettling and Joanne W. Hsu
    Finance and Development (2017)
  • Broadband in the Labor Market: The Impact of Residential High-Speed Internet on Married Women's Labor Force Participation
    Lisa J. Dettling
    Industrial and Labor Relations Review (2017)
    https://doi.org/10.1177/0019793916644721
    See also » FRB Working Paper (2015)
  • Effects of Entering Adulthood During a Recession
    Lisa J. Dettling
    (2016)
    https://doi.org/10.15185/izawol.242
  • Why Boomerang? Debt, Access to Credit, and Parental Co-residence among Young Adults
    Lisa J. Dettling and Joanne W. Hsu
    FEDS Notes (2015)
    https://doi.org/10.17016/2380-7172.1621
  • Comparing Micro and Macro Sources for Household Accounts in the United States: Evidence from the Survey of Consumer Finances
    Lisa J. Dettling, Sebastian J. Devlin-Foltz, Jacob Krimmel, Sarah J. Pack, and Jeffrey P. Thompson
    Finance and Economics Discussion Series (2015)
    https://doi.org/10.17016/FEDS.2015.086
  • The State of Young Adults' Balance Sheets: Evidence from the Survey of Consumer Finances
    Lisa J. Dettling and Joanne W. Hsu
    Federal Reserve Bank of St. Louis Review (2014)
    https://doi.org/10.20955/r.96.305-330
  • House Prices and Birth Rates: The Impact of the Real Estate Market on the Decision to Have a Baby
    Lisa J. Dettling and Melissa Schettini Kearney
    Journal of Public Economics (2014)
    https://doi.org/10.1016/j.jpubeco.2013.09.009
Last Update: March 24, 2025