I’m an Economist in the Office of Research at the Consumer Financial Protection Bureau. Contact: tsc154@gmail.com

My research looks at how firms respond to government programs and regulations, and the implications for consumer well-being. Recently, I’ve been working on projects related to student loans, housing markets, and wireless phone services.


Crowd-out or Affordability? The Lifeline Expansion’s Effect on Wireless Service Spending,” Journal of Policy Analysis and Management. Vol. 37, Issue 2, (2018).


Data Point: Final Student Loan Payments and Broader Household Borrowing” (with Nicholas Tremper), Bureau of Consumer Financial Protection Data Point Series No. 18-2, (2018).

Working Papers:

Oversight and Competition with Heterogeneous Service Providers: The Federal Lifeline Program” This version: April, 2018.

Work in Progress:

“Changing the Footprint of GSE Loan Guarantees: Estimating Effects on Mortgage Pricing and Availability” (with Alexei Alexandrov and Sergei Koulayev)

“Student Loan Prepayment and Risk Pooling” (with Natalie Bachas and Christa Gibbs)

Note: These projects are the result of the author’s independent research and do not necessarily represent the views of the Consumer Financial Protection Bureau or the United States.