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Journal Article
In for a Dollar: Discount Stores Engage in a High-Price Bidding War
Romero, Jessica Sackett (2014-04)
Regional News
Econ Focus , Issue 2Q , Pages 3-4

Briefing
Medical Spending in Old Age
Jones, John Bailey; Romero, Jessica Sackett (2017-05)
Older Americans' health care spending is relevant to many policy questions. Recent research shows that spending varies considerably with income, as do funding sources for that spending. Overall, the government pays more for lower-income individuals than higher-income individuals, but Medicaid is not just a program for the young and the poor. It provides substantial benefits to older adults with higher incomes as well.
Richmond Fed Economic Brief , Issue May

Journal Article
Water Wars
Romero, Jessica Sackett (2013-10)
Fighting over water rights is as American as apple pie
Econ Focus , Issue 4Q , Pages 38-41

Briefing
The Persistence of Financial Distress
Romero, Jessica Sackett; Athreya, Kartik B. (2019-03)
Household financial distress is pervasive. Is this pattern driven by a small share of individuals experiencing persistent distress, by the majority facing more occasional distress, or something in between? Recent research indicates that over a lifetime, financial distress is unlikely for most but very persistent for some. Models that account for the uncertain evolution of consumers' earnings over time and the availability of formal consumer bankruptcy cannot explain ? by themselves ? this pattern, but a model that also allows for informal default and variation in consumers' willingness to ...
Richmond Fed Economic Brief , Issue March

Briefing
Microenterprise and the small-dollar loan market
Zeuli, Kimberly; Romero, Jessica Sackett; Hoy, Tammie (2012-05)
"Small business" is a designation that includes businesses of many different sizes with varying financial needs and access to credit. Microenterprises ? businesses with fewer than five employees ? are served primarily by the small-dollar loan market, which ranges from payday lending to microloans offered by nonprofit organizations and, to a lesser extent, loans from traditional financial institutions. This Economic Brief explores the need for and challenges facing the small-dollar loan market in the United States.
Richmond Fed Economic Brief , Issue May

Journal Article
Upfront: Regional news at a glance
Romero, Jessica Sackett; Rhodes, Karl; Nash, Betty Joyce; Johnsen, Rebecca (2011-04)
Econ Focus , Volume 15 , Issue 2Q , Pages 2-5

Journal Article
Are CEOs Overpaid?
Romero, Jessica Sackett (2018-10)
Feature article on: Are CEOs Overpaid? Incentives for chief executives have important economic implications
Econ Focus , Issue 4Q , Pages 14-17

Journal Article
Goodbye, Globalization?
Romero, Jessica Sackett (2015-10)
Why trade growth has slowed down ? and what it might mean for the global economy
Econ Focus , Issue 4Q , Pages 20-23

Briefing
Loan-Delinquency Projections for COVID-19
Gordon, Grey; Jones, John Bailey; Romero, Jessica Sackett (2020-04)
The authors forecast the effects of COVID-19 on loan-delinquency rates under three scenarios for unemployment and house-price movements. Absent policy interventions, the model predicts peak loan-delinquency rates of 2.8 percent in the favorable scenario, 8.1 percent in the severe scenario, and 3.9 percent in the baseline scenario. The greatest reductions in delinquency are achieved through home mortgage forbearance and student loan forbearance, with fiscal transfers playing a smaller role.
Richmond Fed Economic Brief , Issue 20-05 , Pages 4

Briefing
How Risky Are Young Borrowers?
Romero, Jessica Sackett; Ghent, Andra C.; Debbaut, Peter; Kudlyak, Marianna (2013-12)
Young borrowers are conventionally considered the most prone to making financial mistakes. This has spurred efforts to limit their access to credit, particularly via credit cards. Recent research suggests, however, that young borrowers are actually among the least likely to experience a serious credit card default. One reason why people obtain credit cards early in life may be to build a strong credit history.
Richmond Fed Economic Brief , Issue Dec

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