Session 1: Household Borrowing (Non-Mortgage)

Johannes Stroebel — Introduction

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Johannes Stroebel — Regulating Consumer Financial Products: Evidence from Credit Cards

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Theresa Kuchler — Sticking to Your Plan: The Role of Present Bias for Credit Card Debt Paydown

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Scott Nelson — Private Information and Price Regulation in the U.S. Credit Card Market

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Michaela Pagel — Repaying Consumer Debt and Increasing Savings After Retirement

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Christopher Palmer — Real Effects of Search Frictions in Consumer Credit Markets

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Neale Mahoney — Do Banks Pass Through Credit Expansions to Consumers who Want to Borrow?

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Session 2: Peer Effects in Household Finance

Theresa Kuchler — Introduction

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Theresa Kuchler — Peer Effects in Product Adoption

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Theresa Kuchler and Johannes Stroebel — Measuring Social Connectedness

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Johannes Stroebel — The Economic Effects of Social Networks: Evidence from the Housing Market

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Jordan Nickerson — Teachers Teaching Teachers: The Role of Workplace Peer Effects on Financial Decisions

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Ankit Kalda — Peer Financial Distress and Individual Leverage

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Florian Ederer — Understanding Mechanisms Underlying Peer Effects: Evidence from a Field Experiment on Financial Decisions

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Emily Breza — Social Networks, Reputation, and Commitment: Evidence from a Savings Monitors Field Experiment

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Session 3: Determinants & Effects of Household Expectations

Theresa Kuchler — Introduction

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Theresa Kuchler — Personal Experiences and Expectations about Aggregate Outcomes

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Johannes Stroebel — Five Facts about Beliefs and Portfolios

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Yueran Ma — Overreaction and Working Memory

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Ricardo Perez-Truglia — Betting on the House: Subjective Expectations and Market Choices

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Camelia Kuhnen — Expectations: From neuroscience to household finance and macroeconomics

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Michael Weber — Exposure to Grocery Prices and Inflation Expectations

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Session 4: Mortgage Borrowing and Default

Johannes Stroebel — Introduction

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Johannes Stroebel — Asymmetric Information about Collateral Values

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Theresa Kuchler — House Price Beliefs and Mortgage Leverage Choice

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Arpit Gupta — Selection, Leverage, and Default in the Mortgage Market

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Claudia Robles Garcia — Competition and Incentives in Mortgage Markets: The Role of Brokers

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Pascal Noel — Why do Borrowers Default on Mortgages? A New Method for Causal Attribution

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Anthony De Fusco — Regulating Household Leverage

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Matteo Benetton — Leverage Regulation and Market Structure: A Structural Model of the UK Mortgage Market

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Session 5: Climate Finance

Johannes Stroebel — Introduction

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Johannes Stroebel — Hedging Climate Change Risk

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Paul Goldsmith-Pinkham — Sea Level Rise and Municipal Bond Yields

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Zacharias Sautner — Firm-level Climate Change Exposure

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Matteo Maggiori — Very Long-Run Discount Rates

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Stefano Giglio — Climate Change and Long-Run Discount Rates: Evidence from Real Estate

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Nancy Wallace — Mortgage Markets with Climate-Change Risk: Evidence from Wildfires in California

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Amine Ouazad and Matthew Kahn — Mortgage Finance in the Face of Rising Climate Risk

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