Economist studying consumer finance, small business lending, rental housing, and discrimination All opinions are my own and do not necessarily represent my employer.https://bsky.app/profile/bhwitzen.bsky.socialhttps://bsky.app/profile/bhwitzen.bsky.social/post/3mpmxznhosk27 https://open.spotify.com/track/1wRsnPMuPmSZVzKsfBnjIZ?si=qychVWWbSYaNfbwwXaUX9A02 Jul 2026 02:23 +0000at://did:plc:nqdp66xy2iwtgu77dk5iryui/app.bsky.feed.post/3mpmxznhosk27https://bsky.app/profile/bhwitzen.bsky.social/post/3moccddxycs2wLet's go Canes!!!15 Jun 2026 03:03 +0000at://did:plc:nqdp66xy2iwtgu77dk5iryui/app.bsky.feed.post/3moccddxycs2whttps://bsky.app/profile/bhwitzen.bsky.social/post/3mo5bko7cl22n🇺🇸🇺🇸🇺🇸13 Jun 2026 03:06 +0000at://did:plc:nqdp66xy2iwtgu77dk5iryui/app.bsky.feed.post/3mo5bko7cl22nhttps://bsky.app/profile/bhwitzen.bsky.social/post/3mfhj3znkic22Statues of Connor Hellebuyck everywhere. My goodness 🇺🇸22 Feb 2026 16:01 +0000at://did:plc:nqdp66xy2iwtgu77dk5iryui/app.bsky.feed.post/3mfhj3znkic22https://bsky.app/profile/bhwitzen.bsky.social/post/3m4jseecc6c2vThis Axios piece cites my report from January on Rental Housing delinquencies using payment data https://www.axios.com/2025/10/28/snap-benefits-food-stamps-shutdown01 Nov 2025 01:05 +0000at://did:plc:nqdp66xy2iwtgu77dk5iryui/app.bsky.feed.post/3m4jseecc6c2vhttps://bsky.app/profile/bhwitzen.bsky.social/post/3lwxhfb7gak2cAs someone who's been to Cracker Barrel a ton and whose mom would make him chicken and dumplin's for his birthday, I've never felt so qualified to comment on something in my life. And even I don't care22 Aug 2025 02:55 +0000at://did:plc:nqdp66xy2iwtgu77dk5iryui/app.bsky.feed.post/3lwxhfb7gak2chttps://bsky.app/profile/bhwitzen.bsky.social/post/3ljbqddq7t22a🇺🇦01 Mar 2025 01:09 +0000at://did:plc:nqdp66xy2iwtgu77dk5iryui/app.bsky.feed.post/3ljbqddq7t22ahttps://bsky.app/profile/bhwitzen.bsky.social/post/3lgt6m76q7c2vCheck out this short report examining payment delinquencies in new rental housing payment data https://www.consumerfinance.gov/data-research/research-reports/behind-on-rent-examining-rental-housing-delinquencies-in-new-payment-data/28 Jan 2025 19:24 +0000at://did:plc:nqdp66xy2iwtgu77dk5iryui/app.bsky.feed.post/3lgt6m76q7c2vhttps://bsky.app/profile/bhwitzen.bsky.social/post/3leu2xrodlc2nCheck out our short report on self-identified business owners in the CFPB Making Ends Meet survey. We find business owners are much more likely to report having income that varies month-to-month and experiencing a drop in income in the previous 12 months https://www.consumerfinance.gov/data-research/research-reports/the-financial-security-of-small-business-owners-evidence-from-the-making-ends-meet-survey/03 Jan 2025 17:01 +0000at://did:plc:nqdp66xy2iwtgu77dk5iryui/app.bsky.feed.post/3leu2xrodlc2nhttps://bsky.app/profile/bhwitzen.bsky.social/post/3le6bkbip322tMerry Christmas and Happy Hanukkah!26 Dec 2024 01:00 +0000at://did:plc:nqdp66xy2iwtgu77dk5iryui/app.bsky.feed.post/3le6bkbip322thttps://bsky.app/profile/bhwitzen.bsky.social/post/3l5xqn27mxt2rWorking paper on search frictions in the small business lending market. I provide evidence that costly search leads borrowers to accept higher interest rates on loans and lines of credit. https://papers.ssrn.com/sol3/papers.cfm?abstract_id=481175208 Oct 2024 02:11 +0000at://did:plc:nqdp66xy2iwtgu77dk5iryui/app.bsky.feed.post/3l5xqn27mxt2rhttps://bsky.app/profile/bhwitzen.bsky.social/post/3khovjsohgy2nWorking paper! https://papers.ssrn.com/sol3/papers.cfm?abstract_id=463688329 Dec 2023 14:30 +0000at://did:plc:nqdp66xy2iwtgu77dk5iryui/app.bsky.feed.post/3khovjsohgy2n