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NBER WORKING PAPER SERIES MORTGAGE REFINANCING, CONSUMER SPENDING, AND COMPETITION: EVIDENCE FROM THE HOME AFFORDABLE REFINANCING PROGRAM (2015)

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by Sumit Agarwal , Gene Amromin , Souphala Chomsisengphet , Tomasz Piskorski , Amit Seru , Arvind Krishnamurthy , Chris Mayer , Emi Nakamura , Stijn Van Nieuwerburgh , Tano Santos , Sumit Agarwal , Gene Amromin , Souphala Chomsisengphet , Tomasz Piskorski , Amit Seru