Skip to main content


Bureau, Office or Division
Consumer Protection
Email Address

Selected Publications

  • "Economics at the FTC: The Google-DoubleClick Merger, Resale Price Maintenance, Mortgage Disclosures, and Credit Scoring in Auto Insurance," with M. Baye, D. Holt, P. Ippolito, J. Lacko, J. Leary, J. Pappalardo, P. Pautler, M. Vita, Review of Industrial Organization, 2008.
  • "Credit-Based Insurance Scores: Impacts on Consumers of Automobile Insurance," 2007.
  • "A Monthly Struggle for Self-Control? Hyperbolic Discounting, Mental Accounting, and the Fall in Consumption Expenditures between Paydays," with D. Huffman, Institute for the Study of Labor - IZA Discussion Paper, 2004.
  • "Fiscal Decentralization and Governance: A Cross-Country Analysis," with L. de Mello, G. T. Abed and S. Gupta (eds.), Governance, Corruption & Economic Performance, International Monetary Fund, 2002.

Selected Presentations

  • "Credit-Based Insurance Scores," Symposium on Credit Scoring and Credit Reporting - Suffolk Law School. Boston, MA (2012)


University of California, Berkeley
PhD Economics

Fields of Interest

  • Econometrics
  • Consumer Credit
  • Insurance Markets
  • Household Finance
  • Risk Modeling

Professional Experience

Federal Trade Commission

Join us at the FTC!

View our open positions