Karen Pence : Citation Profile

Federal Reserve Board (Board of Governors of the Federal Reserve System)

13

H index

16

i10 index

1224

Citations

RESEARCH PRODUCTION:

19

Articles

21

Papers

1

Chapters

RESEARCH ACTIVITY:

   23 years (1999 - 2022). See details.
   Cites by year: 53
   Journals where Karen Pence has often published
   Relations with other researchers
   Recent citing documents: 52.    Total self citations: 12 (0.97 %)

MORE DETAILS IN:
ABOUT THIS REPORT:

   Permalink: http://citec.repec.org/ppe919
   Updated: 2025-12-20    RAS profile: 2024-10-08    
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Relations with other researchers

Works with:

Authors registered in RePEc who have co-authored more than one work in the last five years with Karen Pence.

Is cited by:

Mathä, Thomas (25)

Porpiglia, Alessandro (24)

Ziegelmeyer, Michael (24)

Drehmann, Mathias (15)

Ramadorai, Tarun (15)

Gerardi, Kristopher (15)

Campbell, John (15)

Juselius, John (15)

Willen, Paul (14)

Amromin, Gene (13)

Vickery, James (13)

Cites to:

Laibson, David (11)

Fuster, Andreas (9)

Browning, Martin (9)

Willen, Paul (9)

Vickery, James (9)

Gale, William (8)

Attanasio, Orazio (8)

Poterba, James (8)

Venti, Steven (7)

Gabaix, Xavier (7)

Starr, Martha (6)

Main data

Where Karen Pence has published?

Journals with more than one article published# docs
Review of Income and Wealth2
Journal of Money, Credit and Banking2
Brookings Papers on Economic Activity2
The B.E. Journal of Economic Analysis & Policy2

Working Papers Series with more than one paper published# docs
Finance and Economics Discussion Series / Board of Governors of the Federal Reserve System (U.S.)14
FEDS Notes / Board of Governors of the Federal Reserve System (U.S.)3
NBER Working Papers / National Bureau of Economic Research, Inc2

Recent works citing Karen Pence (2025 and 2024)

YearTitle of citing document
2024The Fairness of Credit Scoring Models. (2024). Hurlin, Christophe ; Saurin, S'Ebastien. In: Papers. RePEc:arx:papers:2205.10200.

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2024Testing Business Cycle Theories: Evidence from the Great Recession. (2024). Li, BO. In: Papers. RePEc:arx:papers:2403.04104.

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2024Household Leverage Cycle Around the Great Recession. (2024). Li, BO. In: Papers. RePEc:arx:papers:2407.01539.

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2024Communism and patricide: Collectivization and domestic violence in 1960s China. (2024). Peng, Yaohui ; Chen, Shuo ; Wang, Danli. In: Economic History Review. RePEc:bla:ehsrev:v:77:y:2024:i:2:p:703-727.

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2024Why Transform Y? The Pitfalls of Transformed Regressions with a Mass at Zero. (2024). Norton, Edward ; Mullahy, John. In: Oxford Bulletin of Economics and Statistics. RePEc:bla:obuest:v:86:y:2024:i:2:p:417-447.

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2024Misreporting of second liens in portfolio mortgages and privately securitized mortgages. (2024). Zhu, Shuang ; Yavas, Abdullah. In: Real Estate Economics. RePEc:bla:reesec:v:52:y:2024:i:1:p:73-109.

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2024Labor-saving innovations and capital structure. (2024). Wan, Chi ; Wang, Yan ; Qiu, Jiaping. In: Journal of Corporate Finance. RePEc:eee:corfin:v:84:y:2024:i:c:s0929119923001591.

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2024The impact of monetary policy shocks on net worth and consumption across races in the United States. (2024). Gomez-Fernandez, Nerea ; Albert, Juan-Francisco. In: Economic Systems. RePEc:eee:ecosys:v:48:y:2024:i:1:s0939362523001176.

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2025Recourse and (strategic) mortgage defaults: Evidence from changes in housing market laws. (2025). Vlahu, Razvan ; Andrieș, Alin Marius ; Copaciu, Anca ; Popa, Radu. In: European Economic Review. RePEc:eee:eecrev:v:173:y:2025:i:c:s0014292125000042.

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2025Military experience and mortgage stress. (2025). Hu, Mingzhi ; Su, Yinxin. In: International Review of Financial Analysis. RePEc:eee:finana:v:104:y:2025:i:pa:s1057521925003242.

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2024Spillover effects of financial deregulation: The unintended consequences of the OCC preemption rule on mortgage lending practices. (2024). Wang, Xiangrui ; Sam, Abdoul G ; Wu, DI. In: International Review of Financial Analysis. RePEc:eee:finana:v:95:y:2024:i:pc:s1057521924003946.

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2025Effects of inflation and macroprudential policies on bank risk: Evidence from emerging economies. (2025). Peng, Gangdong ; Qin, Xueming ; Zhao, Mengxiang. In: International Review of Financial Analysis. RePEc:eee:finana:v:97:y:2025:i:c:s1057521924007737.

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2024Comparative dynamics of housing finance: A cross-country analysis. (2024). Rim, Jongseok. In: Journal of International Financial Markets, Institutions and Money. RePEc:eee:intfin:v:94:y:2024:i:c:s1042443124000763.

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2024Learning from peers: Evidence from disclosure of consumer complaints. (2024). Dou, Yiwei ; Hung, Mingyi ; Wang, Lynn Linghuan ; She, Guoman. In: Journal of Accounting and Economics. RePEc:eee:jaecon:v:77:y:2024:i:2:s0165410123000447.

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2024The impact of mortgage broker use on borrower confusion and preferences. (2024). Thorp, Susan ; Chung, Sol ; Liu, Junhao ; Agnew, Julie ; Bateman, Hazel ; Eckert, Christine. In: Journal of Economic Behavior & Organization. RePEc:eee:jeborg:v:224:y:2024:i:c:p:229-247.

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2024Intermediation frictions in debt relief: Evidence from CARES Act forbearance. (2024). Kim, You Suk ; Scharlemann, Tess ; Vickery, James ; Lee, Donghoon. In: Journal of Financial Economics. RePEc:eee:jfinec:v:158:y:2024:i:c:s0304405x24000965.

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2025Can everyone tap into the housing piggy bank? Racial disparities in access to home equity. (2025). Lambie-Hanson, Lauren ; Gerardi, Kristopher ; Conklin, James N. In: Journal of Financial Economics. RePEc:eee:jfinec:v:168:y:2025:i:c:s0304405x25000467.

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2025Fintech entry, lending market competition, and welfare. (2025). Vives, Xavier ; Ye, Zhiqiang. In: Journal of Financial Economics. RePEc:eee:jfinec:v:168:y:2025:i:c:s0304405x25000480.

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2025Do intermediaries improve GSE lending? Evidence from proprietary GSE data. (2025). Bosshardt, Joshua ; Kakhbod, Ali ; Kermani, Amir. In: Journal of Financial Economics. RePEc:eee:jfinec:v:170:y:2025:i:c:s0304405x2500090x.

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2024Financial intermediation services and competition analyses: Review and paths forward for improvement. (2024). , Arnoud ; Berger, Allen N. In: Journal of Financial Intermediation. RePEc:eee:jfinin:v:57:y:2024:i:c:s1042957324000019.

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2024Borrower-based measures, house prices and household debt. (2024). Caloia, Francesco G. In: Journal of International Money and Finance. RePEc:eee:jimfin:v:143:y:2024:i:c:s026156062400038x.

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2024The long-term effects of war on foreign direct investment and economic development: evidence from Vietnam. (2024). Tran, Tuyen ; Nguyen, Cuong ; van Vu, Huong. In: Journal of Urban Economics. RePEc:eee:juecon:v:143:y:2024:i:c:s0094119024000500.

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2024JUE 2007–2023: Rising impact. (2024). Strange, William C ; Rosenthal, Stuart S. In: Journal of Urban Economics. RePEc:eee:juecon:v:144:y:2024:i:c:s0094119024000834.

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2024Local minimum wage laws, boundary discontinuity methods, and policy spillovers. (2024). Vigdor, Jacob ; Long, Mark ; Plotnick, Robert ; Wiles, Emma ; Jardim, Ekaterina. In: Journal of Public Economics. RePEc:eee:pubeco:v:234:y:2024:i:c:s0047272724000677.

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2024Racial capitalism and firearm violence: Developing a theoretical framework for firearm violence research examining structural racism. (2024). Pollack, Keshia M ; Buggs, Shani A ; Dean, Lorraine T ; Esposito, Michael H ; Whittaker, Shannon ; Uzzi, Mudia. In: Social Science & Medicine. RePEc:eee:socmed:v:358:y:2024:i:c:s0277953624007093.

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2024Driving A-loan: Automobile debt, neighborhood race, and the COVID-19 pandemic. (2024). Speroni, Samuel ; Wasserman, Jacob L ; Siddiq, Fariba ; Blumenberg, Evelyn. In: Transport Policy. RePEc:eee:trapol:v:155:y:2024:i:c:p:321-330.

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2024Disentangling policy and structural effects on car-ownership for car-owning and carless US households during and after the COVID-19 pandemic. (2024). Thakuriah, Piyushimita. In: Transport Policy. RePEc:eee:trapol:v:157:y:2024:i:c:p:20-33.

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2024Government Litigation Risk and the Decline in Low-Income Mortgage Lending. (2024). Gerardi, Kristopher ; Frame, W ; Zhao, Lawrence ; Xu, Billy ; Mayer, Erik J. In: FRB Atlanta Working Paper. RePEc:fip:fedawp:99032.

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2024The Evolution of Student Debt 2019–2022: Evidence from the Survey of Consumer Finances. (2024). Phelan, Thomas ; Moschini, Emily. In: Economic Commentary. RePEc:fip:fedcec:98388.

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2024Dynastic Home Equity. (2022). Kudlyak, Marianna ; Benetton, Matteo ; Mondragon, John. In: Working Paper Series. RePEc:fip:fedfwp:94494.

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2024International Banking and Nonbank Financial Intermediation: Global Liquidity, Regulation, and Implications. (2024). Goldberg, Linda ; Buch, Claudia. In: Staff Reports. RePEc:fip:fednsr:97968.

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2025Precision Without Labels: Detecting Cross-Applicants in Mortgage Data Using Unsupervised Learning. (2025). Freyaldenhoven, Simon ; Shin, Minchul ; Elzayn, Hadi. In: Working Papers. RePEc:fip:fedpwp:101559.

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2025Who Provides Credit in Times of Crisis? Evidence from the Auto Loan Market. (2025). Lee, Brian Jonghwan ; Canals-Cerda, Jose J. In: Working Papers. RePEc:fip:fedpwp:99505.

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2024Individual Borrower Motivations Surrounding Mortgage Forbearance Take-up and Exit. (2024). Weiner, Scott ; Seiler, Michael ; Doerner, William ; Contat, Justin. In: FHFA Staff Working Papers. RePEc:hfa:wpaper:24-11.

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2025Riding the Housing Wave: Home Equity Withdrawal and Consumer Debt Composition. (2025). Zhang, Xin ; Li, Jieying ; Grodecka-Messi, Anna. In: Working Paper Series. RePEc:hhs:rbnkwp:0452.

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2024The Effect of Regulatory Oversight on Nonbank Mortgage Subsidiaries. (2024). Rose, Morgan ; Brastow, Raymond ; Balla, Eliana ; Edgel, Daniel. In: The Journal of Real Estate Finance and Economics. RePEc:kap:jrefec:v:68:y:2024:i:3:d:10.1007_s11146-022-09906-z.

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2024Imputing Borrower Heterogeneity and Dynamics in Mortgage Default Models. (2024). Dombrowski, Timothy ; Pace, Kelley R ; Wang, Junbo. In: The Journal of Real Estate Finance and Economics. RePEc:kap:jrefec:v:68:y:2024:i:3:d:10.1007_s11146-022-09934-9.

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2025Governmental Restrictions and Real Estate Investor Risk Perception. (2025). Schfers, Wolfgang ; Freybote, Julia ; Kaiser, Carina. In: The Journal of Real Estate Finance and Economics. RePEc:kap:jrefec:v:70:y:2025:i:4:d:10.1007_s11146-023-09947-y.

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2024The influence and mechanism of female-headed households on household debt risk: empirical evidence from China. (2024). Guo, Yingzhu ; Wu, Yan ; Tan, Benyan. In: Palgrave Communications. RePEc:pal:palcom:v:11:y:2024:i:1:d:10.1057_s41599-024-03029-x.

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2024Impacts of Climate Change and Agricultural Diversification on Agricultural Production Value of Thai Farm Households. (2024). McCarl, Bruce ; Jithitikulchai, Theepakorn ; Attavanich, Witsanu ; Tanpraphan, Spol ; Svavasu, Nattanun ; Prommawin, Benjapon ; Saengavut, Voravee. In: PIER Discussion Papers. RePEc:pui:dpaper:184.

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2024Impacts of climate change and agricultural diversification on agricultural production value of Thai farm households. (2024). Jithitikulchai, Theepakorn ; Attavanich, Witsanu ; Tanpraphan, Spol ; Svavasu, Nattanun ; McCarl, Bruce A ; Prommawin, Benjapon ; Saengavut, Voravee. In: Climatic Change. RePEc:spr:climat:v:177:y:2024:i:7:d:10.1007_s10584-024-03732-3.

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2024Unraveling wage inequality: tangible and intangible assets, globalization and labor market regulations. (2024). Foster-McGregor, Neil ; Gravina, Antonio Francesco. In: Empirical Economics. RePEc:spr:empeco:v:67:y:2024:i:4:d:10.1007_s00181-024-02587-y.

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2024Time series analysis and probabilistic model of the financial costs of major disasters in the USA. (2024). Shukla, Charchit ; MacKenzie, Cameron A. In: Environment Systems and Decisions. RePEc:spr:envsyd:v:44:y:2024:i:1:d:10.1007_s10669-023-09912-3.

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2024The Valuation at Origination of Mortgages with Full Prepayment and Default Risks. (2024). Dong, Yinghui ; Wang, Pin ; Zhou, Congjin. In: Methodology and Computing in Applied Probability. RePEc:spr:metcap:v:26:y:2024:i:2:d:10.1007_s11009-024-10081-2.

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2024Dreaming for unveiling housing inequality: mortgage lending disparities within the heartland of America. (2024). Kim, Inhwa. In: SN Business & Economics. RePEc:spr:snbeco:v:4:y:2024:i:10:d:10.1007_s43546-024-00722-6.

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2024Raising Household Leverage: Evidence from Co-Financed Mortgages. (2024). Dal Borgo, Mariela ; Colonnello, Stefano. In: Working Papers. RePEc:ven:wpaper:2024:01.

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2025Assessing Workplace Social, Emotional, and Behavioral Skills in Africa : The ESTEEM Framework. (2025). McDaniel, Dawn ; Koroknay-Palicz, Tricia ; Rouanet, Lea Marie ; Das, Smita ; Delavallade, Clara ; Marsh, Vic. In: Policy Research Working Paper Series. RePEc:wbk:wbrwps:11128.

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2024Family‐level responses to the introduction of Tax‐Free Savings Accounts. (2024). Lavecchia, Adam. In: Canadian Journal of Economics/Revue canadienne d'économique. RePEc:wly:canjec:v:57:y:2024:i:1:p:108-139.

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2024Secured Loans and Risky Assets in a Monetary Economy. (2024). Chu, Yuchi ; Li, Yiting. In: Journal of Money, Credit and Banking. RePEc:wly:jmoncb:v:56:y:2024:i:2-3:p:395-427.

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2024Higher economic growth in poor countries, lower migration flows to the OECD – Revisiting the migration hump with panel data. (2024). Benek, David ; Schneiderheinze, Claas. In: Open Access Publications from Kiel Institute for the World Economy. RePEc:zbw:ifwkie:301403.

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2024Regulating zombie mortgages. (2024). Nguyen, Huyen ; Lee, Jonathan. In: IWH Discussion Papers. RePEc:zbw:iwhdps:298000.

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2024Deposit competition and mortgage securitization. (2024). Nguyen, Huyen ; McGowan, Danny. In: IWH Discussion Papers. RePEc:zbw:iwhdps:62021.

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Works by Karen Pence:

YearTitleTypeCited
2009The Rise in Mortgage Defaults In: Journal of Economic Perspectives.
[Full Text][Citation analysis]		article301
2008The rise in mortgage defaults.(2008) In: Finance and Economics Discussion Series.
[Full Text][Citation analysis]
This paper has nother version. Agregated cites: 301		paper
2022Nonbanks and Mortgage Securitization In: Annual Review of Financial Economics.
[Full Text][Citation analysis]		article3
2006Are Successive Generations Getting Wealthier, and If So, Why? In: Brookings Papers on Economic Activity.
[Full Text][Citation analysis]		article33
2018Liquidity Crises in the Mortgage Market In: Brookings Papers on Economic Activity.
[Full Text][Citation analysis]		article27
2018Liquidity Crises in the Mortgage Market.(2018) In: Finance and Economics Discussion Series.
[Full Text][Citation analysis]
This paper has nother version. Agregated cites: 27		paper
2022Liquidity in the mortgage market: How does the COVID‐19 crisis compare with the global financial crisis? In: Real Estate Economics.
[Full Text][Citation analysis]		article6
2022Liquidity in the Mortgage Market: How does the COVID-19 Crisis Compare with the Global Financial Crisis?.(2022) In: Finance and Economics Discussion Series.
[Full Text][Citation analysis]
This paper has nother version. Agregated cites: 6		paper
1999HOUSEHOLD SAVING IN THE 90s: EVIDENCE FROM CROSS‐SECTION WEALTH SURVEYS In: Review of Income and Wealth.
[Full Text][Citation analysis]		article0
1999Household Saving in the 90s: Evidence from Cross-Section Wealth Surveys. In: Review of Income and Wealth.
[Citation analysis]		article11
2006The Role of Wealth Transformations: An Application to Estimating the Effect of Tax Incentives on Saving In: The B.E. Journal of Economic Analysis & Policy.
[Full Text][Citation analysis]		article216
2006The Role of Wealth Transformations: An Application to Estimating the Effect of Tax Incentives on Saving.(2006) In: The B.E. Journal of Economic Analysis & Policy.
[Full Text][Citation analysis]
This paper has nother version. Agregated cites: 216		article
1999Household Saving in the 90s: Evidence from Cross-Section Wealth Surveys: Technical Paper 1999-3 In: Working Papers.
[Full Text][Citation analysis]		paper13
2008Do borrowers know their mortgage terms? In: Journal of Urban Economics.
[Full Text][Citation analysis]		article122
2011Securitization markets and central banking: An evaluation of the term asset-backed securities loan facility In: Journal of Monetary Economics.
[Full Text][Citation analysis]		article51
2011Securitization markets and central banking: an evaluation of the term asset-backed securities loan facility.(2011) In: Finance and Economics Discussion Series.
[Full Text][Citation analysis]
This paper has nother version. Agregated cites: 51		paper
2002Nature or nurture: why do 401(k) participants save differently than other workers? In: Finance and Economics Discussion Series.
[Full Text][Citation analysis]		paper10
2002Nature or Nurture: Why Do 401(K) Participants Save Differently Than Other Workers?.(2002) In: National Tax Journal.
[Full Text][Citation analysis]
This paper has nother version. Agregated cites: 10		article
2002401(k)s and household saving: new evidence from the Survey of Consumer Finances In: Finance and Economics Discussion Series.
[Full Text][Citation analysis]		paper9
2003Foreclosing on opportunity: state laws and mortgage credit In: Finance and Economics Discussion Series.
[Full Text][Citation analysis]		paper168
2006Foreclosing on Opportunity: State Laws and Mortgage Credit.(2006) In: The Review of Economics and Statistics.
[Full Text][Citation analysis]
This paper has nother version. Agregated cites: 168		article
2006Do homeowners know their house values and mortgage terms? In: Finance and Economics Discussion Series.
[Full Text][Citation analysis]		paper19
2008Subprime mortgages: what, where, and to whom? In: Finance and Economics Discussion Series.
[Full Text][Citation analysis]		paper116
2008Subprime Mortgages: What, Where, and to Whom?.(2008) In: NBER Working Papers.
[Full Text][Citation analysis]
This paper has nother version. Agregated cites: 116		paper
2014Auto Sales and Credit Supply In: Finance and Economics Discussion Series.
[Full Text][Citation analysis]		paper0
2015How Much Are Car Purchases Driven by Home Equity Withdrawal? In: Finance and Economics Discussion Series.
[Full Text][Citation analysis]		paper7
2019How Much Are Car Purchases Driven by Home Equity Withdrawal?.(2019) In: Journal of Money, Credit and Banking.
[Full Text][Citation analysis]
This paper has nother version. Agregated cites: 7		article
2015Wealth, Pensions, Debt, and Savings: Considerations for a Panel Survey In: Finance and Economics Discussion Series.
[Full Text][Citation analysis]		paper5
2015Wealth, pensions, debt, and savings: Considerations for a panel survey.(2015) In: Journal of Economic and Social Measurement.
[Citation analysis]
This paper has nother version. Agregated cites: 5		article
2020Technological Innovation and Discrimination in Household Finance In: Finance and Economics Discussion Series.
[Full Text][Citation analysis]		paper12
2020Technological Innovation and Discrimination in Household Finance.(2020) In: NBER Working Papers.
[Full Text][Citation analysis]
This paper has nother version. Agregated cites: 12		paper
2021Technological Innovation and Discrimination in Household Finance.(2021) In: Springer Books.
[Citation analysis]
This paper has nother version. Agregated cites: 12		chapter
2022Crisis Liquidity Facilities with Nonbank Counterparties: Lessons from the Term Asset-Backed Securities Loan Facility In: Finance and Economics Discussion Series.
[Full Text][Citation analysis]		paper0
2015How Much Student Debt is Out There? In: FEDS Notes.
[Full Text][Citation analysis]		paper7
2019The Distributional Financial Accounts In: FEDS Notes.
[Full Text][Citation analysis]		paper2
2021Improving the Measurement of Racial and Ethnic Disparities in the Survey of Consumer Finances In: FEDS Notes.
[Full Text][Citation analysis]		paper1
2003Recent changes to a measure of U.S. household debt service In: Federal Reserve Bulletin.
[Full Text][Citation analysis]		article29
2006Are Successive Generations Getting Wealthier, and If So, Why?Evidence from the 1990s In: MPRA Paper.
[Full Text][Citation analysis]		paper35
2018Preface In: The ANNALS of the American Academy of Political and Social Science.
[Full Text][Citation analysis]		article0
2007Do youth nonmarital childbearing choices reflect income and relationship expectations? In: Journal of Population Economics.
[Full Text][Citation analysis]		article20
2015Discussion of Brown, Stein, and Zafar In: Journal of Money, Credit and Banking.
[Full Text][Citation analysis]		article1

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