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Author:Gabriel, Stuart A. 

Working Paper
A Crisis of Missed Opportunities? Foreclosure Costs and Mortgage Modification During the Great Recession

We investigate the impact of Great Recession policies in California that substantially increased lender pecuniary and time costs of foreclosure. We estimate that the California Foreclosure Prevention Laws (CFPLs) prevented 250,000 California foreclosures (a 20% reduction) and created $300 billion in housing wealth. The CFPLs boosted mortgage modifications and reduced borrower transitions into default. They also mitigated foreclosure externalities via increased maintenance spending on homes that entered foreclosure. The CFPLs had minimal adverse side effects on the availability of mortgage ...
Finance and Economics Discussion Series , Paper 2020-053

Working Paper
Regional labor markets, cost-of-living differentials, and migration

Working Paper Series / Economic Activity Section , Paper 91

Conference Paper
Mortgage discrimination and FHA loan performance

Proceedings , Paper 456

Working Paper
Credit rationing and the demand for owner-occupied housing

Working Paper Series / Economic Activity Section , Paper 79

Working Paper
Regional house-price dispersion and interregional migration

Working Paper Series / Economic Activity Section , Paper 122

Journal Article
Housing and mortgage markets: the post-1982 expansion

Federal Reserve Bulletin , Issue Dec

Conference Paper
Regional house price dispersion and interregional migration

Proceedings , Issue Nov

Working Paper
More Than Shelter: The Effects of Rental Eviction Moratoria on Household Well-Being

We investigate the impact of 2020 COVID-19 rental eviction moratoria on household well-being. Analysis of new panel data indicates that eviction moratoria reduced evictions filings and resulted in redirection of scarce household financial resources to immediate consumption needs, notably including food and grocery spending. We also find that eviction moratoria reduced household food insecurity and mental stress, with larger effects evidenced among African American households. Findings suggest broad salutary effects of eviction moratoria during a period of widespread virus and economic ...
Working Papers , Paper 22-10

Journal Article
Crises in the thrift industry and the cost of mortgage credit

FRBSF Economic Letter

Working Paper
Forecasting housing construction: lessons and puzzles from recent years

Working Paper Series / Economic Activity Section , Paper 69


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