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Third Georgia Tech - Atlanta Fed Household Finance

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Household Finance Conference

March 27 - 28, 2025

The Financial Services Innovation Lab at the Georgia Tech Scheller College of Business and the Federal Reserve Bank of Atlanta are co-organizing the third annual Household Finance Conference on March 27 - 28, 2025. Registration closes Thursday, March 14th at 11:59 p.m. EST.

The two-day conference will feature academic sessions, keynote addresses, and fireside chats to discuss the macroeconomic landscape, various issues impacting household balance sheets, and the challenges and opportunities to increase financial inclusion. The goal of this conference is to bring together academic researchers, regulators, and industry experts to a common platform for discussion on important topics in household finance.

Register for the Conference

 

Conference Schedule and Agenda

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  • Venue: Georgia Tech Alumni House (190 North Avenue NW, Atlanta, GA 30313)

    8:00 – 9:00 a.m.: Check-in and Light Breakfast

    9:00 – 9:15 a.m.: Welcoming Remarks

    Anuj Mehotra
    Dean and Stephen P. Zelnak Jr. Chair, Georgia Institute of Technology

    9:15 – 10:15 a.m.: Session: Session: Small Firms and Entrepreneurship

    Chair: Alex Hsu, Georgia Institute of Technology

    Loan Maturity and Asset Utilization: Evidence from private loan modification among SMEs
    Christopher Eaglin, Duke University

    Discussant: Brian Lee, Emory University

    Beyond FICO: How Cash Flow Data Improves Credit Access for Young Entrepreneurs
    Christopher Hair, Brigham Young University

    Discussant: Nishant Vats, Washington University in St. Louis

    10:15 – 10:35 a.m.: Coffee Break

    10:35 – 11:35 a.m.: Session: Real Estate

    Chair: Manasa Gopal, Georgia Institute of Technology

    Monetary Policy and the Mortgage Market
    Dominik Supera, Columbia University

    Discussant: Paul Willen, Federal Reserve Bank of Boston

    The Winner’s Curse in Housing Markets
    Soon Hyeok Choi, Rochester Institute of Technology

    Discussant: Scott Nelson, University of Chicago

    11:35 a.m. – 12:50 p.m.: Lunch

    12:50 – 2:20 p.m.: Session: Household Investment & Consumption

    Chair: Nikhil Paradkar, University of Georgia

    The Welfare Benefits of Pay-As-You-Go Financing
    Brett Green, Washington University, St. Louis

    Discussant: Joe Hall, Georgia Institute of Technology

    Higher-Order Beliefs and Risky Asset Holdings
    Xiao Yin, University College London

    Discussant: Xindi He, Georgia Institute of Technology

    The Wealth Draw-down of the Fabulously Rich: Insights from Private Family Foundations
    Changhyun Ahn, CUHK

    Discussant: Kunal Sachdeva, University of Michigan

    2:20 – 2:40 p.m.: Break

    2:40 – 3:40 p.m.: Session: Design and Modification of Contracts

    Chair: Manpreet Singh, Georgia Institute of Technology

    Savings-and-Credit Contracts
    Janis Skrastins, Washington University in St.Louis

    Discussant: Chris Hansman, Emory University

    Intergenerational Effects of Debt Relief: Evidence from Bankruptcy Protection
    Qianfan Wu, Indiana University

    Discussant: Martin Kanz, WorldBank

    3:40 – 5:00 p.m.: Walk Towards Georgia Tech Hotel and Conference Center (GT Hotel)

    5:00 – 6:00 p.m.: Fireside Chat (Special Edition of Tech Talks Business) @ GT Hotel

    Mark Begor, CEO, Equifax in conversation with
    Anuj Mehrotra, Dean, Georgia Institute of Technology

    6:00 – 7:30 p.m.: Reception at the Georgia Tech Hotel

  • Venue: Federal Reserve Bank of Atlanta (1000 Peachtree St NE, Atlanta, GA 30309)

    9:00 – 9:45 a.m.: Check-in and Light Breakfast

    9:45 – 10:00 a.m.: Welcoming Remarks

    Paula Tkac, Executive VP and Director of Research, Atlanta Fed

    10:00 – 11:00 a.m.: Young Scholars’ Session

    Chair: Veronika Penciakova, Atlanta Fed

    Regulating Credit: The Impact of Price Regulations and Lender Technologies on Financial Inclusion
    Susan Cherry, Stanford University

    Does Partisanship Affect Household Consumption?
    Yang Yi, University of Rochester

    Screening in Loan Guarantee Programs: Combining Contract Menus with Information Collection
    Yusik Andrew Kim, University of Texas, Austin

    11:00 a.m. – 12:00 p.m.: Keynote

    Jonathan Parker
    Robert C. Merton (1970) Professor of Financial Economics, Massachusetts Institute of Technology

    12:00 – 1:15 p.m.: Lunch

    1:15 – 2:15 p.m.: Session: Inequality

    Chair: Melinda Pitts, Atlanta Fed

    Consumption Wedges: Measuring and Diagnosing Distortions
    Sasha Indarte, University of Pennsylvania

    Discussant: Taha Choukhmane, Massachusetts Institute of Technology

    Poverty Spreads in Deposit Markets
    Arkodipta Sarkar, National University of Singapore

    Discussant: Vladimir Yankov, Federal Reserve Board

    2:15 – 2:30 p.m.: Break

    2:30 – 3:30 p.m.: Session: Monetary Policy and Mortgage Markets

    Chair: Kristopher Gerardi, Federal Reserve Bank of Atlanta

    Financial and Total Wealth Inequality with Declining Interest Rates
    Matteo Leombroni, Boston College

    Discussant: Sharada Sridhar, Georgia Institute of Technology

    The Real Effects of GSE Redistribution: Evidence from Difference-in-Discontinuity Estimates
    You Suk Kim, Federal Reserve Board

    Discussant: Rohan Ganduri, Emory University

    3:30 – 3:45 p.m.: Break

    3:45 – 4:45 p.m.: Policy Panel: The Future Direction of Housing Finance Policy in the U.S.

    Moderator:

    • Raphael Bostic
      President and Chief Executive Officer, Federal Reserve Bank of Atlanta

    Panelist:

    • Ed DeMarco
      President, Housing Policy Council
    • Scott Frame
      Senior Vice President and Deputy Head of Research, Bank Policy Institute
    • Janneke Ratcliffe
      Vice President for Housing Finance, Urban Institute

    4:45 – 5:00 p.m.: Closing Remarks and Announcements

    5:00 – 6:00 p.m.: Reception at the Federal Reserve Bank of Atlanta

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