What Do Stimulus Payments Mean for Consumer Credit Markets? - with Mikheil Dvalishvili (CUNY Graduate Center) 

Switching Costs for Bank-Dependent Borrowers and the Bank Lending Channel of Monetary Policy - with Yuan Yuan  (Freddie Mac) - R&R Southern Economic Journal

What do a Million Observations on Banks Say About Federal Credit Policy? - with Christopher Goings (Haverford College and Freddie Mac)