Sumit Agarwal is William G. Droms Term Professor of Finance at the McDonough School of Business and a Professor of Economics (courtesy appointment) at Georgetown University. Previously, he was the Vice-Dean of Research and the Low Tuck Kwong Professor at the School of Business and a Professor in the departments of Economics, Finance and Real Estate at the National University of Singapore. He is also a Research Associate at Research Associate, Institute of Real Estate Studies, Center for Quantitative Finance, Center for Behavioural Economics, and Risk Management Institute. Before that he was a senior financial economist in the research department at the Federal Reserve Bank of Chicago and prior to joining the Chicago Fed, he was a senior vice president and credit risk management executive in the Small Business Risk Solutions Group of Bank of America.Sumit’s research interests include issues relating to financial institutions, household finance, behavioral finance, international finance, real estate markets and capital markets. He has published over fifty research articles in journals like the American Economic Review, Quarterly Journal of Economics, Journal of Political Economy, Journal of Financial Economics, Review of Financial Studies, Review of Economics and Statistics , Management Science, Journal of Financial Intermediation, Journal of Money, Credit, and Banking among others. Additionally, he has co-edited a collected volume on Household Credit Usage: Personal Debt and Mortgages. He writes regular op-ed’s in the Straits Times and is featured on various media outlets like the BBC, CNBC, and Fox on issues relating to finance, banking, and real estate markets. Sumit’s research is widely cited in leading newspapers and magazines like the Wall Street Journal, The New York Times, The Economist, and the U.S Presidents Report to Congress. He also runs a blog on household financial decision making called Smart Finance.