Caroline Ratcliffe

Senior Economist

Professional experience

Senior Economist, Consumer Financial Protection Bureau
Senior Fellow and Co-Director Opportunity and Ownership Initiative, Urban Institute
Visiting Associate Professor, Georgetown University McCourt School of Public Policy

Education

Ph.D. in Economics, Cornell University
M.A. in Economics, Cornell University
B.A. in Mathematics and Economics, Wheaton College

Publication Date

2019

Citation Information

Gregory Mills, Signe-Mary McKernan, Caroline Ratcliffe, Sara Edelstein, Michael Pergamit, and Breno Braga. "Building Savings for Success: Early Impacts from the Assets for Independence Program Randomized Evaluation." Special issue: Effective Financial Capability Interventions for Economically Vulnerable Individuals and Families, Journal of Consumer Affairs, Volume 53, Issue 3, 2019.

Publication Date

2017

Citation Information

Caroline Ratcliffe, William J. Congdon, and Signe-Mary McKernan. “Prepaid Cards at Tax Time and Beyond: Findings and Lessons from the MyAccountCard Pilot.” Journal of Consumer Affairs, Volume 52, Issue 2, 2017.

Publication Date

2014

Citation Information

Signe-Mary McKernan, Caroline Ratcliffe, Eugene Steuerle, and Sisi Zhang. “Disparities in Wealth Accumulation and Loss from the Great Recession and Beyond.” American Economic Review Papers and Proceedings, Volume 104, Issue 5, 2014.

Publication Date

2013

Citation Information

Signe-Mary McKernan, Caroline Ratcliffe, and Daniel Kuehn. “Prohibitions, Price Caps, and Disclosures: A Look at State Policies and Alternative Financial Product Use.” Journal of Economic Behavior and Organization, Volume 95, 2013.

Publication Date

2011

Citation Information

Signe-Mary McKernan, Ida Rademacher, Caroline Ratcliffe, Kasey Wiedrich, and Megan Gallagher. “Weathering the Storm: Have IDA Homebuyers Fared in the Foreclosure Crisis?” Housing Policy Debate, Volume 21, Issue 4, 2011.