{"id":8,"date":"2017-06-05T19:33:40","date_gmt":"2017-06-05T19:33:40","guid":{"rendered":"http:\/\/mitmgmtfaculty.mit.edu\/cpalmer\/homepage\/"},"modified":"2026-03-23T18:13:21","modified_gmt":"2026-03-23T18:13:21","slug":"homepage","status":"publish","type":"page","link":"https:\/\/mitmgmtfaculty.mit.edu\/cpalmer\/","title":{"rendered":"Homepage"},"content":{"rendered":"<div id=\"pl-8\"  class=\"panel-layout\" ><div id=\"pg-8-0\"  class=\"panel-grid panel-no-style\" ><div id=\"pgc-8-0-0\"  class=\"panel-grid-cell\" ><div id=\"panel-8-0-0-0\" class=\"so-panel widget widget_mit-pf-jumbotron widget_mit_pf_jumbotron panel-first-child\" data-index=\"0\" ><div class=\"jumbotron-contained\" data-set=\"jumbotron\"><div class=\"hidden jumbotron\">    <div class=\"jumbotron--header\" style=\"background-image:url(https:\/\/mitmgmtfaculty.mit.edu\/cpalmer\/wp-content\/themes\/mitfaculty2021\/assets\/images\/jumbotron_bg_red.jpg);\">        <div class=\"container\"><div class=\"row\">            <div class=\"col-12 col-md-8\">                <div class=\"jumbotron--content\">                <h1>Christopher J. Palmer<\/h1>                <\/div><!-- .jumbotron--content -->            <\/div><!-- .col -->            <div class=\"col-12 jumbotron--facultyimage\">            <div class=\"faculty-image\">                <img decoding=\"async\" class=\"img-responsive img-portfolio img-hover\" src=\"http:\/\/mitsloan.mit.edu\/shared\/ods\/images\/?ID=76077\" alt=\"Christopher J. Palmer, Associate Professor of Finance at at MIT Sloan School of Management\">            <\/div><!-- .faculty-image -->        <\/div><\/div><!-- .container -->    <\/div><!-- jumbotron--header --><\/div><!-- .row -->    <div class=\"header-bio\" data-set=\"header-bio\">        <div class=\"bio\">    <div class=\"jumbotron--bio\">            <div class=\"teasertext\">Christopher Palmer is the Eastman Kodak Associate Professor of Management and an Associate Professor of Finance.<\/div>\t\t\t<a href=\"http:\/\/mitmgmtfaculty.mit.edu\/cpalmer\/about\/\"   class=\"btn btn-default btn-link\">More About Christopher<\/a>    <\/div><!-- jumbotron--bio --><\/div><\/div><\/div><div class=\"d-none jumbotron bg-cover\" style=\"background-image:url(https:\/\/mitmgmtfaculty.mit.edu\/cpalmer\/wp-content\/themes\/mitfaculty2021\/assets\/images\/jumbotron_bg_red.jpg);\">\t<div class=\"container\">\t\t<div class=\"col-lg-8 col-md-8 col-sm-8 col-xs-12 no-padding-left\">\t\t<h1>Christopher J. Palmer<\/h1>\t\t\t<div class=\"teasertext\">Christopher Palmer is the Eastman Kodak Associate Professor of Management and an Associate Professor of Finance.<\/div>\t\t\t<a href=\"http:\/\/mitmgmtfaculty.mit.edu\/cpalmer\/about\/\"   class=\"btn btn-default\">More About Christopher<\/a>\t\t<\/div><!-- .col-lg-8 -->\t\t<div class=\"col-lg-4 col-md-4 col-sm-4 col-xs-12 no-padding-left\">\t\t\t<div class=\"faculty-image\">\t\t\t\t<a href=\"http:\/\/mitmgmtfaculty.mit.edu\/cpalmer\/about\/\"    ><img decoding=\"async\" class=\"img-responsive img-portfolio img-hover\" src=\"http:\/\/mitsloan.mit.edu\/shared\/ods\/images\/?ID=76077\" alt=\"Christopher J. Palmer, Associate Professor of Finance at at MIT Sloan School of Management\"><\/a>\t\t\t<\/div><!-- .faculty-image -->\t\t<\/div><!-- .col-lg-4 -->\t<\/div><!-- .container --><\/div><\/div><\/div><div id=\"panel-8-0-0-1\" class=\"so-panel widget widget_mit-pf-research widget_mit_pf_research panel-last-child\" data-index=\"1\" ><h2 class=\"widget-title\">Recent Working Papers<\/h2><div class=\"textwidget\"><ul>\n<li><a href=\"http:\/\/mit.edu\/cjpalmer\/www\/Palmer-IVHazard.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">An IV Hazard Model of Loan Default with an Application to Subprime Mortgage Cohorts<\/a><br \/>\nForthcoming, <em>Journal of Finance<\/em><br \/>\n<a href=\"https:\/\/github.com\/palmercj\/ivhazard\" target=\"_blank\" rel=\"noopener noreferrer\">Code<\/a>. <a href=\"https:\/\/www.wsj.com\/articles\/student-loan-market-could-use-some-market-discipline-1442431882\" target=\"_blank\" rel=\"noopener noreferrer\">WSJ<\/a>.<br \/>\nNBER Working Paper #32000<br \/>\n(replaces \"Why Did So Many Subprime Borrowers Default During the Crisis: Loose Credit or Plummeting Prices?\")<\/li>\n<li><a href=\"http:\/\/mit.edu\/cjpalmer\/www\/BDKMP-LastMile.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">The Last Mile of Monetary Policy: Inattention, Reminders, and the Refinancing Channel<\/a><br \/>\nwith Shane Byrne, Kenneth Devine, Michael King, and Yvonne McCarthy<br \/>\nForthcoming, <em>Journal of Finance<\/em><br \/>\n<a href=\"http:\/\/mit.edu\/cjpalmer\/www\/BDKMP-LastMile-slides.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Slides<\/a>.<br \/>\nNBER Working Paper #31043<\/li>\n<li><a href=\"http:\/\/mit.edu\/cjpalmer\/www\/AIIP-Bankruptcy-Bias.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Racial Disparities and Bias in Consumer Bankruptcy<\/a><br \/>\nwith Bronson Argyle, Sasha Indarte, and Benjamin Iverson<br \/>\nRevise and Resubmit,\u00a0<em>Journal of Finance<\/em><br \/>\n<a href=\"https:\/\/mit.edu\/cjpalmer\/www\/AIIP-Race-Imputation-Code-Readme.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Race Imputation Code Readme<\/a>. <a href=\"https:\/\/mit.edu\/cjpalmer\/www\/AIIP-Race-Imputation-Code.zip\">Race Imputation Code (828 MB)<\/a>. <a href=\"https:\/\/sashaindarte.github.io\/research\/AIIP_bk_bias_slides_public.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Slides<\/a>. <a href=\"https:\/\/mitsloan.mit.edu\/ideas-made-to-matter\/black-bankruptcy-filers-more-likely-to-be-denied-debt-relief\">MIT Ideas Made to Matter<\/a>. <a href=\"https:\/\/knowledge.wharton.upenn.edu\/podcast\/knowledge-at-wharton-podcast\/how-bankruptcy-bias-contributes-to-the-racial-wealth-gap\/\" target=\"_blank\" rel=\"noopener noreferrer\">Knowledge at Wharton<\/a>. <a href=\"https:\/\/www.nber.org\/digest\/202506\/racial-disparities-outcomes-bankruptcy-filings\">NBER Digest<\/a>.<br \/>\nNBER Working Paper #33575<\/li>\n<li><a href=\"https:\/\/web.mit.edu\/cjpalmer\/www\/AIKNP-Retail-Deposits.pdf\">The Dynamics of Retail Deposit Balances<\/a><br \/>\nwith Bronson Argyle, Benjamin Iverson, Jason Kotter, and Taylor Nadauld<br \/>\nRevise and Resubmit,\u00a0<em>Journal of Financial Economics<\/em><br \/>\nNBER Working Paper #34742<\/li>\n<li><a href=\"http:\/\/mit.edu\/cjpalmer\/www\/AINP-Shadow-Debt.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Personal Bankruptcy and the Accumulation of Shadow Debt<\/a><br \/>\nwith Bronson Argyle, Benjamin Iverson, and Taylor Nadauld<br \/>\n<a href=\"http:\/\/mit.edu\/cjpalmer\/www\/AINP-Shadow-Debt-slides.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Slides<\/a>. <a href=\"https:\/\/www.marketwatch.com\/story\/bankruptcy-filings-fell-in-2021-but-will-post-covid-shadow-debt-spell-trouble-for-americans-11623781507\" target=\"_blank\" rel=\"noopener noreferrer\">MarketWatch<\/a>.<br \/>\nNBER Working Paper #28901<\/li>\n<li><a href=\"https:\/\/web.mit.edu\/cjpalmer\/www\/CP-Financing-Retirement.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">The Effect of Increasing Retirement Saving on Consumption, Balance Sheets, and Welfare<\/a><br \/>\nwith Taha Choukhmane<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Christopher J. Palmer Christopher Palmer is the Eastman Kodak Associate Professor of Management and an Associate Professor of Finance. More About Christopher Christopher J. Palmer Christopher Palmer is the Eastman Kodak Associate Professor of Management and an Associate Professor of Finance. More About Christopher Recent Working Papers An IV Hazard Model of Loan Default with [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"class_list":["post-8","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.0 (Yoast SEO v25.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>MIT Sloan Faculty: Christopher J. 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