Sumit Agarwal

With B. Ambrose (eds.), 2007,  Household Credit Usage: Personal Debt and Mortgages, New York: Palgrave-Macmillan Publishing, October.

With B. Ambrose, H. Huang and Y. Yildirim, "The Term Structure of Lease Rates with Endogenous Default Triggers and Tenant Capital Structure: Theory and Evidence," Journal of Financial and Quantitative Analysis, forthcoming.

With I. Chiu, C. Liu and G. Rhee,"The Brokerage Firm Effect in Herding: Evidence from Indonesia," Journal of Financial Research, forthcoming.

With R. Hauswald, 2010, "Distance and Private Information in Lending," Review of Financial Studies, Vol. 23, No. 7, pp. 2757-2788.

With S. Chomsisengphet and C. Liu, 2010, "The Importance of Adverse Selection in the Credit Card Market: Evidence from Randomized Trials of Credit Card Solicitations" Journal of Money, Credit and Banking, Vol. 42, No. 4, pp. 743-754.

With G. Amromin, I. Ben-David, S. Chomsisengphet and D. Evanoff, 2010, "Learning to Cope: Voluntary Financial Education and Loan Performance during a Housing Crisis" American Economic Review – Papers and Proceeding, Vol. 100, No. 2, pp. 495-500.

With J. Driscoll, X. Gabaix and D. Laibson, 2009, "The Age of Reason: Financial Decisions over the Life Cycle and Implications for Regulation" Brookings Papers on Economic Activity, Vol. Fall, pp. 51-117; also National Bureau of Economic Research, working paper, No. 1319.

With P. Skiba and J. Tobacman), 2009. "Payday Loans and Credit Cards: New Liquidity and Credit Scoring Puzzles?," American Economic Review – Papers and Proceeding, Vol. 99, No. 2, pp. 412-417; also National Bureau of Economic Research, working paper, No. 14659.

With S. Chomsisengphet, 2009, "Bankruptcy Exemption Laws and the Market for Mortgages" Cityscape, Vol. 11. No. 1, pp. 101-112.

With S. Faircloth, C. Liu and G. Rhee, 2009, "Why Do Foreign Investors Underperform Domestic Investors in Trading Activities? Evidence from Indonesia," Journal of Financial Markets, Vol. 12, pp. 32-53.

With C. Liu and G. Rhee, 2008, "Investor Demand for Initial Public Offerings and Aftermarket Performance of These Firms: Evidence from the Hong Kong Stock Market," Journal of International Financial Markets, Institutions and Money, Vol. 18, pp. 176-190.

With S. Chomsisengphet, S. and L. Mielnicki, 2008, "Do Forbearance Plans Help Mitigate Credit Card Losses?," Journal of Family and Economic Issues, Vol. 29, No. 2, pp. 191-209.

With C. Liu and N. Souleles), 2007, "Reaction of Consumer Spending and Debt to Tax Rebates — Evidence from Consumer Credit Data," Journal of Political Economy, Vol. 115, No. 6, pp. 986-1019; also National Bureau of Economic Research, working paper, No. 13694.

With S. Chomsisengphet, C. Liu and G. Rhee, 2007, "Earnings Management Behavior under Different Economic Environments: Evidence from Japanese Banks," International Review of Economics and Finance, Vol. 16, No. 3, pp. 429-443.

With C. Liu and G. Rhee, 2007, "Where Does Price Discovery Occur for Stocks Traded in Multiple Markets? Evidence from Hong Kong and London," Journal of International Money and Finance, Vol. 26, pp. 46-63.

2007, "The Impact of Homeowners’ Housing Wealth Misestimation on Consumption and Saving Decisions," Real Estate Economics, Vol. 35, No. 2, pp. 135-154.

With B. Ambrose, S. Chomsisengphet and C. Liu, 2006, "An Empirical Analysis of Home Equity Loan and Line Performance," Journal of Financial Intermediation, Vol. 15, No. 4, pp. 444-469.

With B. Ambrose and C. Liu, 2006, "Credit Quality and Credit Commitment," Journal of Money, Credit and Banking, Vol. 38, No. 1, pp. 1-22. Publications & Forthcoming Papers

2010, "Consumer Behavior in Financial Markets: Financial Crisis and Policy Implication," ISB Insight, Summer, pp. 16-19.

With G. Amromin, I. Ben-David, S. Chomsisengphet and D. Evanoff, 2010, "Financial Counseling, Financial Literacy and Household Decision Making"  in Financial Literacy: Implications for Retirement Security and the Financial Marketplace, O. Mitchell and A. Lusardi (eds.), London and New York: Oxford University Press.

With J. Driscoll, X. Gabaix and D. Laibson, 2010, "What Is the Age of Reason?," Center for Retirement Research - Issue in Brief, Vol. 10-12, pp. 1-8.

With S. Chomsisengphet and C. Liu, 2007, "Determinants of Small Business Default,"  in The Analytics of Risk Model Validation, G. Christodoulakis and S. Satchell (eds.), New York: Palgrave-Macmillan Publishing, December, pp. 1-12.

With B. Ambrose and S. Chomsisengphet, 2007, "Information Asymmetry and the Automobile Loan Market," in Household Credit Usage: Personal Debt and Mortgages, S. Agarwal and B. Ambrose (eds.), New York: Palgrave-Macmillan Publishing, October,  pp. 93-116.

Additional publications may be found on the author's CV (see above).