William Gamber

Senior Economist
Division of Research and Statistics, Federal Reserve Board of Governors


The views expressed here are my own and do not necessarily represent the views of the Federal Reserve Board of Governors, the Federal Reserve System, or the Federal Open Market Committee.


Working Papers

Household Consumption Does Not Respond Directly to Interest Rates: Evidence From 10 Macroeconomic Shocks

with Edmund Crawley — Updated May 2026

Firm Dynamics, Inflation, and the Transmission of Monetary Policy

Updated May 2026


Refereed Publications

The Importance of Entry in the Business Cycle: What are the Roles of Markups, Adjustment Costs, and Heterogeneity?

Journal of Political Economy: Macroeconomics, September 2023

Stuck at Home: Housing Demand during the COVID-19 Pandemic

with James Graham and Anirudh Yadav — Journal of Housing Economics, March 2023


FEDS Notes

Debt Payments and Spending: Evidence from the 2023 Student Loan Payment Restart

with Aditya Aladangady, Edmund Crawley, Patrick Moran, and Jose Nino — September 2025

Wealth Heterogeneity and Consumer Spending

with Samara Beach and Patrick Moran — August 2025

Winners and Losers from Recent Asset Price Changes

with Edmund Crawley — May 2023