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Author:Paciorek, Andrew D. 

Discussion Paper
Where Are The Construction Workers?

The labor market for construction workers suffered a massive shock in the wake of the housing bust, as demand for new homes dried up and firms rapidly shed workers.
FEDS Notes , Paper 2015-02-26-2

Working Paper
The Effects of Mortgage Credit Availability : Evidence from Minimum Credit Score Lending Rules

Since the housing bust and financial crisis, mortgage lenders have introduced progressively higher minimum thresholds for acceptable credit scores. Using loan-level data, we document the introduction of these thresholds, as well as their effects on the distribution of newly originated mortgages. We then use the timing and nonlinearity of these supply-side changes to credibly identify their short- and medium-run effects on various individual outcomes. Using a large panel of consumer credit data, we show that the credit score thresholds have very large negative effects on borrowing in the short ...
Finance and Economics Discussion Series , Paper 2016-098

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