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Richard J. Rosen

Vice President and Research Advisor

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Richard J. Rosen is a vice president and research advisor in the economic research department at the Federal Reserve Bank of Chicago. He leads the Chicago Fed’s Insurance Initiative which conducts research on insurance and provides expertise on the insurance industry within the Federal Reserve System. Rosen also conducts research on issues relating to financial intermediation, bank regulation, mergers and real estate and housing.

Rosen's research is published in numerous leading academic journals. Published articles of his research have appeared in the Journal of Finance, the Journal of Financial Economics, the Journal of Business, the Journal of Money, Credit and Banking and the Rand Journal.

Prior to coming to the Chicago Fed, Rosen taught in the finance departments at the Kelley School of Business at Indiana University, the Wharton School at the University of Pennsylvania and the School of Business at Georgetown University. He has also worked at the Board of Governors of the Federal Reserve System.

Rosen received a B.A. in mathematics from Swarthmore College and a Ph.D. in economics from Princeton University.

Chicago Fed Letter
Alejandro H. Drexler, Andrew Granato, Richard J. Rosen | 2019 | No. 409 Download
Zain Mohey-Deen, Richard J. Rosen | 2018 | No. 397 Download
Alejandro H. Drexler, Thanases Plestis, Richard J. Rosen | 2017 | No. 384 Download
Alejandro H. Drexler, Zain Mohey-Deen, Richard J. Rosen | 2017 | No. 373 Download
Kyal Berends, Robert McMenamin, Anna Paulson, Richard J. Rosen | 2014 | No. 318 | January Download
Robert McMenamin, Anna Paulson, Thanases Plestis, Richard J. Rosen | 2013 | No. 309 | April Download
Robert McMenamin, Zain Mohey-Deen, Anna Paulson, Richard J. Rosen | 2012 | No. 302 | September Download
Richard J. Rosen | 2008 | No. 257 | December Download
Richard J. Rosen | 2007 | No. 244 | November Download
Richard J. Rosen | 2005 | No. 216 | July Download
Economic Perspectives
Kyal Berends, Robert McMenamin, Thanases Plestis, Richard J. Rosen | 2013 | Vol. 37 | 2nd Quarter Download
Cabray L. Haines, Richard J. Rosen | 2007 | Vol. 31 Download
Richard J. Rosen | 2005 | Vol. 29 | No. -3 | August | 3rd Quarter Download
Working Papers
Anna Paulson, Richard J. Rosen | 2016 | No. 2016-04 Download
Daniel Hartley, Anna Paulson, Richard J. Rosen | 2016 | No. 2016-02 Download
Sumit Agarwal, Richard J. Rosen, Vincent Yao | 2013 | No. 2013-02 | May Download
Santiago Carbó-Valverde, Francisco Rodríguez Fernández, Richard J. Rosen | 2011 | No. 2011-14 | November Download
Richard J. Rosen | 2008 | No. 2008-16 | August Download
Gary Gorton, Matthias Kahl, Richard J. Rosen | 2006 | No. 2006-14 Download
Craig H. Furfine , Richard J. Rosen | 2006 | No. 2006-09 Download
Richard J. Rosen, Scott B. Smart, Chad J. Zutter | 2005 | No. 2005-17 Download
Richard J. Rosen | 2003 | No. 2003-19 Download
Allen N. Berger, Richard J. Rosen, Gregory F. Udell | 2001 | No. 2001-10 Download

Books and Chapters in Books

With Anna Paulson, Thanases Plesti, Robert McMenamin, and Zain Mohey-Deen, 2014, "Assessing the Vulnerability of the U.S. Life Insurance Industry," in Modernizing Insurance Regulation, Vol. 1, John H. Biggs and Matthew P. Richardson (eds.), Hoboken, NJ: John Wiley & Sons, Inc., pp. 61-84.

Journal Articles

With Santiago Carbo-Valverde and Francisco Rodriguez-Fernandez, 2017, “Are Covered Bonds a Substitute for Mortgage-Backed Securities?,” Journal of Economic Policy Reform, Vol. 20, No. 3, pp. 238-253.
With Anna Paulson, 2016, “The Life Insurance Industry and Systemic Risk: A Bond Market Perspective,” Annual Review of Financial Economics, Vol. 8, pp. 155-174.

With Sumit Agarwal and Vincent Yao,2016, “Why Do Borrowers Make Refinancing Mistakes?,” Management Science, Vol. 62, No. 12, pp. 3494–3509.

With Lamont Black, 2016, “Monetary Policy, Loan Maturity and Credit Availability,” International Journal of Central Banking, Vol. 12, No. 1, pp. 199-230.


Too Much Right Can Make a Wrong: Setting the Stage for the Recent Financial Crisis

Presentation to Charter Financial Analysts Society

Los Angeles, CA | September 9, 2014

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