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

Recently, I’ve been working on projects related to student loans, housing markets, and wireless phone services.


Working Papers:

Crowd-out or Affordability? The Lifeline Expansion’s Effect on Wireless Service Spending” This version: June, 2017.

Oversight and Competition with Heterogeneous Service Providers: The Federal Lifeline Program” This version: October, 2015.

Work in Progress:

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


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.