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Photo of Gregory Elliehausen

Gregory Elliehausen

Principal Economist Consumer Finance Section Research and Statistics
202-452-2326
gregory.elliehausen@frb.gov

Education

  • Ph.D., Finance, Pennsylvania State University, 1984
  • B.S., Economics, Pennsylvania State University, 1974
  • Principal Economist

    Board of Governors of the Federal Reserve System

    2015 - present
  • Senior Economist

    Board of Governors of the Federal Reserve System

    2012 - 2015
  • Economist

    Board of Governors of the Federal Reserve System

    2008 - 2012
  • Associate Research Professor

    George Washington University

    2006 - 2009
  • Senior Research Scholar

    Georgetown University

    1998 - 2005
  • Economist

    Board of Governors of the Federal Reserve System

    1981 - 1998
  • A New Look at the Effects of the Interest Rate Ceiling in Arkansas
    Gregory Elliehausen, Simona M. Hannon, and Thomas W. Miller Jr.
    Finance and Economics Discussion Series (2021)
    https://doi.org/10.17016/FEDS.2021.045
  • Do Consumers Need More Protection From Small-Dollar Lenders? Historical Evidence and a Roadmap for Future Research
    J. Brandon Bolen, Gregory Elliehausen, and Thomas W. Miller Jr.
    Economic Inquiry (2020)
    https://doi.org/10.1111/ecin.12894
  • The Cost Structure of Consumer Finance Companies and Its Implications for Interest Rates: Evidence from the Federal Reserve Board's 2015 Survey of Finance Companies
    Lisa Chen and Gregory Elliehausen
    FEDS Notes (2020)
    https://doi.org/10.17016/2380-7172.2610
  • Behavioral Economics, Financial Literacy, and Consumers' Financial Decisions
    Gregory Elliehausen
    Oxford Handbook of Banking (2019)
    https://doi.org/10.1093/oxfordhb/9780198824633.013.26
  • The Credit Card Act and Consumer Finance Company Lending
    Gregory Elliehausen and Simona M. Hannon
    Journal of Financial Intermediation (2018)
    https://doi.org/10.1016/j.jfi.2018.01.007
    See also » FRB Working Paper (2017)
  • New Evidence on an Old Unanswered Question: The Decision to Purchase Credit Insurance and Other Debt Protection Products
    Thomas A. Durkin and Gregory Elliehausen
    Journal of Insurance Regulation (2018)
    See also » FRB Working Paper (2017)
  • Survey of Finance Companies, 2015
    Lisa Chen, Gregory Elliehausen, and Mark Wicks
    Federal Reserve Bulletin (2018)
    https://doi.org/10.17016/bulletin.2018.104-3
  • The Effect of State Bans of Payday Lending on Consumer Credit Delinquencies
    Chintal A. Desai and Gregory Elliehausen
    Quarterly Review of Economics and Finance (2017)
    https://doi.org/10.1016/j.qref.2016.07.004
  • Consumer Lending
    Thomas A. Durkin and Gregory Elliehausen
    Oxford Handbook of Banking (2015)
    https://doi.org/10.1093/oxfordhb/9780199688500.013.0013
  • Consumer Credit
    Thomas A. Durkin and Gregory Elliehausen
    Oxford Handbook of Banking (2015)
  • Consumer Credit and the American Economy
    Thomas A. Durkin, Gregory Elliehausen, Michael E. Staten, and Todd J. Zywicki
    Financial Management Association Survey and Synthesis Series (2014)
  • An Assessment of Behavioral Law and Economics Contentions and What We Know Empirically About Credit Card Use by Consumers
    Thomas A. Durkin, Gregory Elliehausen, and Todd J. Zywicki.
    Supreme Court Economic Review (2014)
    https://doi.org/10.1086/682014
  • The Economic Effects of Legal Restrictions on High-Cost Mortgages
    Jevgenijs Steinbuks and Gregory Elliehausen
    Journal of Real Estate Finance and Economics (2014)
    https://doi.org/10.1007/s11146-013-9413-4
  • Consumer Credit and the American Economy
    Thomas A. Durkin, Gregory Elliehausen, Michael E. Staten, and Todd Zywicki
    Consumer Credit and the American Economy (2014)
  • On the County-Level Credit Outcome Beta
    Chintal A. Desai, Gregory Elliehausen, and Edward C. Lawrence
    Journal of Financial Services Research (2014)
    https://doi.org/10.1007/s10693-012-0157-8
  • Review of No Slack: The Financial Lives of Low-Income American
    Gregory Elliehausen
    Journal of Economic Literature (2013)
    https://doi.org/10.1257/jel.51.2.544
  • Effects of Bankruptcy Exemptions and Foreclosure Laws on Mortgage Default and Foreclosure Rates
    Chintal A. Desai, Gregory Elliehausen, and Jevgenijs Steinbuks
    Journal of Real Estate Finance and Economics (2013)
    https://doi.org/10.1007/s11146-012-9366-z
  • County-Level Bankruptcy Beta and Its Impact on the Supply of Revolving Credit
    Gregory Elliehausen and Edward C. Lawrence
    Investment Management and Financial Innovations (2013)
  • Consumer Experiences with Credit Cards
    Glenn B. Canner and Gregory Elliehausen
    Federal Reserve Bulletin (2013)
    https://doi.org/10.17016/bulletin.2013.99-5
  • Consumers and Debt Protection Products: Results of a New Consumer Survey
    Thomas A. Durkin and Gregory Elliehausen
    Federal Reserve Bulletin (2012)
    https://doi.org/10.17016/bulletin.2012.98-9
  • Consumer Lending
    Thomas A. Durkin and Gregory Elliehausen
    Oxford Handbook of Banking (2012)
    https://doi.org/10.1093/oxfordhb/9780199640935.013.0022
  • Truth in Lending: Theory, History, and a Way Forward
    Thomas A. Durkin and Gregory Elliehausen
    Oxford University Press (2011)
  • Mortgage Contract Choice in Subprime Mortgage Markets
    Gregory E. Elliehausen and Min Hwang
    Finance and Economics Discussion Series (2010)
    https://doi.org/10.17016/FEDS.2010.53
  • Implications of Behavioral Research for the use and Regulation of Consumer Credit Products
    Gregory E. Elliehausen
    Finance and Economics Discussion Series (2010)
    https://doi.org/10.17016/FEDS.2010.25
  • The Impact of Credit Counseling on Subsequent Borrower Behavior
    Gregory Elliehausen, E. Christopher Lundquist, and Michael E. Staten
    Journal of Consumer Affairs (2007)
    https://doi.org/10.1111/j.1745-6606.2006.00066.x
  • Regulation of Subprime Mortgage Products: An Analysis of North Carolina's Predatory Lending Law
    Gregory Elliehausen and Michael E. Staten
    Journal of Real Estate Finance and Economics (2004)
    https://doi.org/10.1023/B:REAL.0000044021.07237.42
  • Monitoring the Household Sector with Aggregate Credit Bureau Data
    John M. Barron, Gregory Elliehausen, and Michael E. Staten
    Business Economics (2000)
  • The Cost of Banking Regulation: A Review of the Evidence
    Gregory Elliehausen
    Staff Studies (1998)
  • The Cost Structure of the Consumer Finance Industry
    Thomas A. Durkin and Gregory E. Elliehausen
    Journal of Financial Services Research (1998)
    https://doi.org/10.1023/A:1007906527814
  • The Cost of Implementing Consumer Financial Regulations: An Analysis of Experience with the Truth in Savings Act
    Gregory Elliehausen and Barbara R. Lowrey
    Staff Studies (1997)
  • The Demand for Trade Credit: An Investigation of Motives for Trade Credit Use by Small Businesses
    Gregory E. Elliehausen and John D. Wolken
    Staff Studies (1993)
  • The Demand for Trade Credit: An Investigation of Motives for Trade Credit Use by Small Business
    Gregory E. Elliehausen and John D. Wolken
    Federal Reserve Bulletin (1993)
  • Small Business Clustering of Financial Services and the Definition of Banking Markets for Antitrust Analysis
    Gregory E. Elliehausen and John D. Wolken
    Antitrust Bulletin (1992)
    https://doi.org/10.1177/0003603X9203700308
  • Banking Markets and the Use of Financial Services by Households
    Gregory E. Elliehausen and John D. Wolken
    Federal Reserve Bulletin (1992)
  • Consumer Credit
    Gregory Elliehausen
    New Palgrave Dictionary of Money and Finance (1992)
  • The Issue of Market Transparency: Truth-in-Lending Disclosure Requirements as Consumer Protections in the United States
    Thomas A. Durkin and Gregory E. Elliehausen
    Enhancing Consumer Choice (1991)
  • Banking Markets and the use of Financial Services by Small and Medium-Sized Businesses
    Gregory E. Elliehausen and John D. Wolken
    Staff Studies (1990)
  • Discrimination in Consumer Lending
    Gregory E. Elliehausen and Edward C. Lawrence
    Review of Economics and Statistics (1990)
    https://doi.org/10.2307/2109753
  • Banking Markets and the Use of Financial Services by Small and Medium-Sized Businesses
    Gregory E. Elliehausen and John D. Wolken
    Federal Reserve Bulletin (1990)
  • Market Definition and Product Segmentation for Household Credit
    Gregory E. Elliehausen and John D. Wolken
    Journal of Financial Services Research (1990)
    https://doi.org/10.1007/BF00365551
  • Discrimination in Consumer Lending
    Gregory E. Elliehausen and Edward C. Lawrence
    Finance and Economics Discussion Series (1989)
  • The National Survey of Small Business Finances: Description and Preliminary Evaluation
    Brenda G. Cox, Gregory E. Elliehausen, and John D. Wolken
    Finance and Economics Discussion Series (1989)
  • Theory and Evidence of the Impact of Equal Credit Opportunity: An Agnostic Review of the Literature
    Gregory E. Elliehausen and Thomas A. Durkin
    Journal of Financial Services Research (1989)
    https://doi.org/10.1007/BF00351648
  • Scale Economies in Compliance Costs for Federal Consumer Credit Regulations
    Gregory E. Elliehausen and Robert D. Kurtz
    Journal of Financial Services Research (1988)
    https://doi.org/10.1007/BF00116385
  • Measuring Wealth with Survey Data: An Evaluation of the 1983 Survey of Consumer Finances
    Robert B. Avery, Gregory E. Elliehausen, and Arthur B. Kennickell
    Review of Income and Wealth (1988)
    https://doi.org/10.1111/j.1475-4991.1988.tb00575.x
  • Measuring wealth with survey data: an evaluation of the 1983 Survey of Consumer Finances
    Robert B. Avery, Gregory E. Elliehausen, and Arthur B. Kennickell
    Research Papers in Banking and Financial Economics (1987)
  • Changes in Consumer Installment Debt: Evidence Form the 1983 and 1986 Surveys of Consumer Finances
    Robert B. Avery, Gregory E. Elliehausen, and Arthur B. Kennickell
    Federal Reserve Bulletin (1987)
  • Pensions and Social Security in Household Portfolios: Evidence from the 1983 Survey of Consumer Finances
    Robert B. Avery, Gregory E. Elliehausen, and Thomas A. Gustafson
    Savings and capital formation: The policy options (1986)
  • Financial Characteristics of High-Income Families
    Robert B. Avery and Gregory E. Elliehausen
    Federal Reserve Bulletin (1986)
  • Pensions and Social Security in Household Portfolios: Evidence from the 1983 Survey of Consumer Finances
    Robert B. Avery, Gregory E. Elliehausen, and Thomas A. Gustafson
    Research Papers in Banking and Financial Economics (1985)
  • Scale Economies in Compliance Costs for Consumer Credit Regulations: The Truth in Lending and Equal Credit Opportunity Laws
    Gregory E. Elliehausen and Robert D. Kurtz
    Staff Studies (1985)
  • Survey of Consumer Finances, 1983
    Robert B. Avery, Gregory E. Elliehausen, and Glenn B. Canner
    Federal Reserve Bulletin (1984)
  • The Impact of Federal Interest Rate Regulations on the Small Saver: Further Evidence
    Edward C. Lawrence and Gregory E. Elliehausen
    Journal of Finance (1981)
    https://doi.org/10.1111/j.1540-6261.1981.tb00652.x
Last update: March 14, 2022