Julia Fonseca
Policy
Impact
International Monetary Fund
World Economic Outlook, Chapter 2: Feeling the Pinch? (April 2024)
​
Global Financial Stability Report, Chapter 1: Soft Landing or Abrupt Awakening? (October 2023)
U.S. Congressional Research Service
U.S. Department of the Treasury
Podcasts
The Indicator from Planet Money (NPR)
All Things Considered (NPR)
How a home mortgage "lock in" impacts the entire housing market (August 2023)​
Research Reverb (Gies College of Business)
Why erasing small medical debts didn't improve financial health (February 2026)​
Featured
Research
and
Commentary
The New York Times
DealBook Newsletter: A Trade War Wrinkle in the Housing Market (June 2025)
​
The Housing Market Was Supposed to Recover This Year. What Happened? (June 2025)
​
​​U.S. Mortgage Rates Drop Sharply, With 30-Year at 6.47% (August 2024)
​
New Home Construction Slows as Mortgage Rates Remain High (June 2024)
​
A Huge Number of Homeowners Have Mortgage Rates Too Good to Give Up (April 2024)
ABC News
Will borrowers see lower rates? What the Fed's interest rate cut means for you (December 2025)
​
Here's why mortgage rates dropped to their lowest level in more than a year (August 2024)
​
Biden proposes relief for homebuyers. Here's what to know. (March 2024)
​
Mortgage rates are plummeting. Should homebuyers jump into the market? (January 2024)
Vox
If Interest Rates Go Down, Do Home Prices Go Down? Not Quite (September 2024)
Crain's Chicago Business
Op-Eds and
Columns
MarketWatch
Here’s the key that could unlock the U.S. housing market for buyers and sellers (with Lu Liu; May 2024)​
VoxEU / VoxDev
The real effects of banking the poor: Evidence from Brazil (with Adrien Matray; December 2021)
​
Impact of access to banks on development: Evidence from Brazil (with Adrien Matray; April 2022)