Photo of Daniel R. Ringo

Daniel R. Ringo

Education

  • Ph.D., Economics, University of Rochester, 2014
Current Research Topics
  • Home Ownership and Unemployment
  • Access to Credit
  • Principal Economist

    Board of Governors of the Federal Reserve System

    2021 - present
  • Economist

    Board of Governors of the Federal Reserve System

    2014 - 2020
  • Bhutta, Neil, and Daniel Ringo (forthcoming). "The Effect of Interest Rates on Home Buying: Evidence From a Shock to Mortgage Insurance Premiums," Journal of Monetary Economics.
  • Ringo, Daniel R. (forthcoming). "Home Ownership as a Labor Market Friction," Real Estate Economics.
  • Ringo, Daniel (2020). ""Revitalize or Stabilize": Does Community Development Financing Work?," Finance and Economics Discussion Series 2020-029. Board of Governors of the Federal Reserve System (U.S.).
  • Mezza, Alvaro A., Daniel R. Ringo, Shane M. Sherlund, and Kamila Sommer (2020). "Student Loans and Homeownership," Journal of Labor Economics, vol. 38, no. 1, pp. 215-260.
  • Anenberg, Elliot, and Daniel Ringo (2019). "The Propagation of Demand Shocks Through Housing Markets," Finance and Economics Discussion Series 2019-084. Board of Governors of the Federal Reserve System (U.S.).
  • Mezza, Alvaro, Daniel Ringo, and Kamila Sommer (2019). "Can Student Loan Debt Explain Low Homeownership Rates for Young Adults?" Consumer & Community Context, vol. 1, no. 1, pp. 2-6.
  • Ringo, Daniel (2019). "Parental Credit Constraints and Child College Attendance," Education Finance and Policy, vol. 14, no. 4, pp. 548-571.
  • Bhutta, Neil, Steven Laufer, and Daniel R. Ringo (2017). "Are Rising Home Values Restraining Homebuying for Lower-Income Families?" FEDS Notes 2017-09-28. Board of Governors of the Federal Reserve System (U.S.).
  • Bhutta, Neil, Steven Laufer, and Daniel R. Ringo (2017). "The Decline in Lending to Lower-Income Borrowers by the Biggest Banks," FEDS Notes 2017-09-28. Board of Governors of the Federal Reserve System (U.S.).
  • Bhutta, Neil, and Daniel Ringo (2017). "The Effect of Interest Rates on Home Buying: Evidence from a Discontinuity in Mortgage Insurance Premiums," Finance and Economics Discussion Series 2017-086. Board of Governors of the Federal Reserve System (U.S.).
  • Mezza, Alvaro A., Daniel R. Ringo, Shane M. Sherlund, and Kamila Sommer (2016). "Student Loans and Homeownership," Finance and Economics Discussion Series 2016-010r. Board of Governors of the Federal Reserve System (U.S.).
  • Bhutta, Neil, Steven Laufer, and Daniel R. Ringo (2017). "Residential Mortgage Lending in 2016: Evidence from the Home Mortgage Disclosure Act Data," Federal Reserve Bulletin, vol. 103, no. 6. Board of Governors of the Federal Reserve System (U.S.).
  • Bhutta, Neil, and Daniel Ringo (2016). "Changing FHA Mortgage Insurance Premiums and the Effects on Lending," FEDS Notes 2016-09-29. Board of Governors of the Federal Reserve System (U.S.).
  • Bhutta, Neil, and Daniel Ringo (2016). "Credit Availability and the Decline in Mortgage Lending to Minorities after the Housing Boom," FEDS Notes 2016-09-29. Board of Governors of the Federal Reserve System (U.S.).
  • Bhutta, Neil, and Daniel R. Ringo (2016). "Residential Mortgage Lending from 2004 to 2015: Evidence from the Home Mortgage Disclosure Act Data," Federal Reserve Bulletin, vol. 102, no. 6. Board of Governors of the Federal Reserve System (U.S.).
  • Bhutta, Neil, and Daniel R. Ringo (2015). "Effects of the Ability to Repay and Qualified Mortgage Rules on the Mortgage Market," FEDS Notes 2015-12-29. Board of Governors of the Federal Reserve System (U.S.).
  • Bhutta, Neil, and Daniel R. Ringo (2015). "Assessing the Community Reinvestment Act's Role in the Financial Crisis," FEDS Notes 2015-05-26. Board of Governors of the Federal Reserve System (U.S.).
  • Bhutta, Neil, Jack Popper, and Daniel R. Ringo (2015). "The 2014 Home Mortgage Disclosure Act Data," Federal Reserve Bulletin, vol. 101, no. 4, pp. 1-43.
  • Bhutta, Neil, and Daniel R. Ringo (2014). "The 2013 Home Mortgage Disclosure Act Data," Federal Reserve Bulletin, vol. 100, no. 6 (November).
Last update: January 19, 2021