1. NEW!! “Why Did So Many People Make So Many Ex Post Bad Decisions? The Causes of the Foreclosure Crisis”  with Christopher L. Foote and Kristopher S. Gerardi.FRB Boston Public Policy Discussion Paper Series, paper no. 12-2, (2012).
2. Do Borrower Rights Improve Borrower Outcomes? Evidence from the Foreclosure Process with Kris Gerardi and Lauren Lambie-Hanson. FRB Boston Public Policy Discussion Paper Series, paper no. 11-9, (2011).
3. A Profile of the Mortgage Crisis in a Low-and-Moderate-Income Community, with Lynn Fisher and Lauren Lambie-Hanson. FRB Boston Public Policy Discussion Paper Series, paper no. 10-6, (2010).
4. Reasonable People Did Disagree: Optimism and Pessimism About the U.S. Housing Market Before the Crash, with Kristopher S. Gerardi and Christopher L. Foote. FRB Boston Public Policy Discussion Paper Series, paper no. 10-5, (2010).
5. $1.25 Trillion is Still Real Money: Some Facts About the Effects of the Federal Reserve’s Mortgage Market Investments with Andreas Fuster. FRB Boston Public Policy Discussion Paper Series, paper no. 10-4 (2010)
6. What explains differences in foreclosure rates? A response to Piskorski, Seru and Vig (2009) with Manuel Adelino and Kris Gerardi
7. Why Don't Lenders Renegotiate More Mortgages? Redefaults, Self-Cures and Securitization with Manuel Adelino and Kris Gerardi.
   
8. Reducing Foreclosures, with Kristopher Gerardi, Chris Foote and Lorenz Goette. Forthcoming in the NBER Macro Annual 2009
9. "The Impact of Deregulation and Financial Innovation on Consumers:  The Case of the Mortgage Market" with Kristopher Gerardi and Harvey Rosen. 2009.  Forthcoming in the Journal of Finance
10. "Making Sense of the Subprime Crisis" with Kristopher S. Gerardi, Andreas Lehnert, and Shane M. Sherland. FRB Boston Public Policy Discussion Papers Series, paper no. 09-1.  Forthcoming in Brookings Papers on Economic Activity.
    
11. “Subprime Mortgages, Foreclosures, and Urban Neighborhoods" with Kristopher Gerardi. The B.E. Journal of Economic Analysis & Policy: Vol. 9 : Iss. 3 (Symposium), Article 12.
12. Just the Facts: An initial analysis of the subprime crisis.  With Chris Foote, Kris Gerardi and Lorenz Goette. 2008.
    Journal of Housing Economics, 17(4):291-305.
13. Negative Equity and Foreclosure: Theory and evidence.  With Chris Foote and Kris Gerardi.  2008.
    Journal of Urban Economics, 64(2):234-245.
14. Subprime Outcomes: Risky Mortgages, Homeownership Experiences, and Foreclosures  With Kris Gerardi and Adam Shapiro. FRB Boston Working Papers Series, paper no. 07-15 (2007).
    

1. Insuring Consumption Using Income Linked Assets With Andreas Fuster.

Internet Appendices

1. Internet Appendix to "Do Borrower Rights Improve Borrower Outcomes?  Evidence from the Foreclosure Process.