Contact Information
202-452-2715
wendy.m.edelberg@frb.gov

Fields of Interest
Consumption
Consumer Finance
Real Estate

Education
Ph.D., Economics, University of Chicago, 2003
M.B.A., Econometrics & Finance, University of Chicago, Graduate School of Business, 1997
B.A., Economics, Columbia University, 1993

Professional Experience
Board of Governors of the Federal Reserve System, 2003-present

Selected Publications

• Racial Dispersion in Consumer Credit Interest Rates , Finance and Economics Discussion Series 2007-28. Washington: Board of Governors of the Federal Reserve System, 2007.
• ''Risk-based Pricing of Interest Rates for Consumer Loans,'' Journal of Monetary Economics, vol. 53 (November 2006), pp. 2283-2298.
• Testing for Adverse Selection and Moral Hazard in Consumer Loan Markets, Finance and Economics Discussion Series 2004-9. Washington: Board of Governors of the Federal Reserve System, 2004.
• Risk-based Pricing of Interest Rates in Household Loan Markets, Finance and Economics Discussion Series 2003-62. Washington: Board of Governors of the Federal Reserve System, 2003.
• ''Understanding the Effects of a Shock to Government Purchases'' (with Martin Eichenbaum and Jonas D. M. Fisher), Review of Economic Dynamics, vol. 2 (January 1999), pp. 166-206.