| Year of Publication | Title | Author(s) |
| 2005 | Do consumers choose the right credit contracts? | Agarwal, Sumit; Chomsisengphet, Souphala; Liu, Chunlin; Souleles, Nicholas S. |
| 2007 | The reaction of consumer spending and debt to tax rebates: Evidence from consumer credit data | Agarwal, Sumit; Liu, Chunlin; Souleles, Nicholas S. |
| 2008 | The choice between arm's-length and relationship debt: Evidence from eLoans | Agarwal, Sumit; Hauswald, Robert |
| 2008 | The spending and debt response to minimum wage hikes | Aaronson, Daniel; Agarwal, Sumit; French, Eric |
| 2008 | Does it pay to read your junk mail? Evidence of the effect of advertising on home equity credit choices | Agarwal, Sumit; Ambrose, Brent W. |
| 2009 | Benefits of relationship banking: Evidence from consumer credit markets | Agarwal, Sumit; Chomsisengphet, Souphala; Liu, Chunlin; Souleles, Nicholas S. |
| 2009 | Perverse incentives at the banks? Evidence from a natural experiment | Agarwal, Sumit; Wang, Faye H. |
| 2009 | Do financial counseling mandates improve mortgage choice and performance? Evidence from a legislative experiment | Agarwal, Sumit; Amromin, Gene; Ben-David, Itzhak; Chomsisengphet, Souphala; Evanoff, Douglas D. |
| 2010 | Market-Based loss mitigation practices for troubled mortgages following the financial crisis | Agarwal, Sumit; Amromin, Gene; Ben-David, Itzhak; Chomsisengphet, Souphala; Evanoff, Douglas D. |
| 2010 | Why do banks reward their customers to use their credit cards? | Agarwal, Sumit; Chakravorti, Sujit; Lunn, Anna |
| 2010 | Cognitive abilities and household financial decision making | Agarwal, Sumit; Mazumder, Bhash |
| 2011 | The role of securitization in mortgage renegotiation | Agarwal, Sumit; Amromin, Gene; Ben-David, Itzhak; Chomsisengphet, Souphala; Evanoff, Douglas D. |
| 2012 | Spending responses to state sales tax holidays | Agarwal, Sumit; McGranahan, Leslie |
| 2013 | Policy intervention in debt renegotiation: Evidence from the Home Affordable Modification Program | Agarwal, Sumit; Amromin, Gene; Ben-David, Itzhak; Chomsisengphet, Souphala; Piskorski, Tomasz; Seru, Amit |
| 2013 | Rushing into American dream? House prices, timing of homeownership, and adjustment of consumer credit | Agarwal, Sumit; Hu, Luojia; Huang, Xing |
| 2013 | Why do borrowers make mortgage refinancing mistakes? | Agarwal, Sumit; Rosen, Richard J.; Yao, Vincent |
| 2015 | Do Banks Pass Through Credit Expansions? The Marginal Profitability of Consumer Lending During the Great Recession | Agarwal, Sumit; Chomsisengphet, Souphala; Mahoney, Neale; Ströbel, Johannes |
| 2016 | Salience of Debt and Homebuyers' Credit Decisions | Agarwal, Sumit; Karapetyan, Artashes |
| 2016 | Superstition, Conspicuous Spending, and Housing Markets: Evidence from Singapore | Agarwal, Sumit; He, Jia; Liu, Haoming; Png, Ivan P. L.; Sing, Tien Foo; Wong, Wei-Kang |
| 2022 | Do as Essay, Not as I Do? How Inflated List Prices of Unsold Essayer Homes Affect the Price Discovery Process | Agarwal, Sumit; Seiler, Michael J.; Siebert, Ralph |
