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3. Mortgage refinancing, consumer spending, and competition: evidence from the home affordable refinance program;Agarwal;Rev. Econ. Stud.,2022
4. The age of reason: financial decisions over the life cycle and implications for regulation;Agarwal;Brook. Paper. Econ. Activ.,2009
5. Banking competition and shrouded attributes: evidence from the US mortgage market;Agarwal;Available at SSRN 2900287,2019