Professional Experience

• • Economist

    Board of Governors of the Federal Reserve System

  • 2008 - present

Publications

• Bhutta, Neil (2012). "GSE Activity and Mortgage Supply in Lower-Income and Minority Neighborhoods: The Effect of the Affordable Housing Goals," Journal of Real Estate Finance and Economics, vol. 45, no. 1, pp. 238-261.
• Bhutta, Neil (Forthcoming). "The Community Reinvestment Act and Mortgage Lending to Lower Income Borrowers and Neighborhoods," The Journal of Law and Economics.
• Bhutta, Neil (2012). "Mortgage Debt and Household Deleveraging: Accounting for the Decline in Mortgage Debt using Consumer Credit Record Data," Finance and Economics Discussion Series 2012-14. Board of Governors of the Federal Reserve System (U.S.).
• Bhutta, Neil, Jane Dokko, and Hui Shan (2010). "The Depth of Negative Equity and Mortgage Default Decisions," Finance and Economics Discussion Series 2010-35. Board of Governors of the Federal Reserve System (U.S.).
• Avery, Robert B., Neil Bhutta, Kenneth P. Brevoort, and Glenn B. Canner (2011). "The Mortgage Market in 2010: Highlights from the Data Reported Under the Home Mortgage Disclosure Act," Federal Reserve Bulletin, vol. 97, pp. 1-82.
• Avery, Robert B., Neil Bhutta, Kenneth P. Brevoort, and Glenn Canner (2010). "The 2009 HMDA Data: The Mortgage Market in a Time of Low Interest Rates and Economic Distress," Federal Reserve Bulletin, vol. 96, pp. A39-A77.
• Bhutta, Neil, and Glenn B. Canner (2009). "Did the CRA Cause the Mortgage Market Meltdown," Community Dividend Mar issue. The Federal Reserve Bank of Minneapolis.

Presentations

• conference

  September 2012

  FDIC Consumer Research Symposium

  Do Payday Loans Affect Creditworthiness

• conference

  July, 2012

  NBER Summer Institutes, Household Finance

  Do Payday Loans Affect Creditworthiness

• conference

  May, 2012

  American Law and Economics Association Annual Meeting

  The Effect of Access to Payday Loans on Financial Health

• seminar

  February, 2012

  NYU Law School

  Consumer Ruthlessness and Mortgage Default

• conference

  November, 2010

  Conference on Empirical Legal Studies

  Consumer Ruthlessness and Mortgage Default

• seminar

  June, 2010

  Freddie Mac

  GSE Activity and Mortgage Supply: The Effect of the Affordable Housing Goals

• seminar

  November, 2008

  University of California, Berkeley

  The Community Reinvestment Act and Mortgage Lending to Lower-Income Borrowers

Other Activities