_Finalist at the 2022 ECB Young Economist Prize_
**Presented at**: Boston University, Collegio Carlo Alberto, Universidad Carlos III de Madrid, IE University, Federal Reserve Board, European Central Bank, Central Bank of Italy, Central Bank of Denmark, Central Bank of the Netherlands, Central Bank of Lithuania, 2021 European Winter Meeting of the Econometric Society, Theories and Methods in Macroeconomics, Philadelphia FED Mortgage Market Research Conference, 47th Simposio of the Spanish Economic Association, Financial Stability Policies in a Changing Lending Landscape Conference