Journal Article
Underwriting on subprime mortgages: what really happened?
Noeth, Bryan J.; Sengupta, Rajdeep (2010-01)
How did poor underwriting bring about the collapse of the subprime mortgage market? More importantly, how would subprime mortgages perform if underwriting standards did not deteriorate?
Central Banker , Issue Win

Periodic Essay
The Demographics of Wealth - How Age, Education and Race Separate Thrivers from Strugglers in Today's Economy. Essay No. 1: Race, Ethnicity and Wealth
Boshara, Ray; Noeth, Bryan J.; Emmons, William R. (2015)
This first essay in the "Demographics of Wealth" series examines the connection between race or ethnicity and wealth accumulation over the past quarter-century. As with subsequent essays, this one is the result of an analysis of data collected between 1989 and 2013 through the Federal Reserve's Survey of Consumer Finances. More than 40,000 heads of households were interviewed over those years.
Demographics of Wealth , Issue 1 , Pages 1-24

Periodic Essay
The Demographics of Wealth - How Age, Education and Race Separate Thrivers from Strugglers in Today's Economy. Essay No. 3: Age, Birth Year and Wealth
Boshara, Ray; Noeth, Bryan J.; Emmons, William R. (2016)
Although there may be downsides to old age, those 62 and older can take heart in knowing that the odds are in favor of their being wealthier than younger people. And the gap has widened considerably over the past quarter-century?in favor of old people. That said, being old isn?t what it used to be. Baby boomers, who are now retiring in droves, are likely to be less well-off than their ?old? counterparts in the two previous generations. And it looks as if members of the next two generations ? Generation X and Generation Y (the millennials) ? might also end up less wealthy than the generation ...
Demographics of Wealth , Issue 3 , Pages 1-28

Periodic Essay
The Demographics of Wealth - How Age, Education and Race Separate Thrivers from Strugglers in Today's Economy. Essay No. 2: The Role of Education
Boshara, Ray; Noeth, Bryan J.; Emmons, William R. (2015)
New research by the Center for Household Financial Stability shows that there's a strong correlation between education and money. More of the former often leads to more of the latter. However, correlation is not causation?there is no guarantee that more education will lead to more wealth. Many other factors might be in play, such as natural ability, family environment, inheritances and even health. It's entirely possible that what's learned in the classroom has much less influence on lifetime earnings and wealth accumulation than most people believe. In fact, your ability, family background, ...
Demographics of Wealth , Issue 2 , Pages 1-28

Journal Article
Some closure on foreclosures?
Noeth, Bryan J.; Sengupta, Rajdeep (2011)
Contrary to popular perception, the foreclosure process can be very costly for a lender?it remains a puzzle as to why such large numbers of mortgages in default enter into foreclosure in the first place.
Economic Synopses

Journal Article
Changes in the mortgage market since the crisis
Noeth, Bryan J.; Sengupta, Rajdeep (2011)
It appears that mortgage origination and securitization is currently ?in limbo?: Private securitization has all but disappeared and is being absorbed by government- sponsored enterprises
Economic Synopses

Journal Article
Home equity and household income
Noeth, Bryan J.; Sengupta, Rajdeep (2012)
During 1995-2007, home equity increased more than gross income for high-, low- and middle-income groups.
Economic Synopses

Periodic Essay
Still digging out: real net worth per household has rebounded 63 percent since hitting bottom in early 2009
Noeth, Bryan J.; Emmons, William R. (2013)
Short essays related to research on understanding and strengthening the balance sheets of American households.
In the Balance , Issue 4

Periodic Essay
Shifting fortunes: wealth trends in the Federal Reserve’s survey of consumer finances
Noeth, Bryan J.; Emmons, William R. (2012)
Short essays related to research on understanding and strengthening the balance sheets of American households.
In the Balance , Issue 1

Periodic Essay
Hispanic population's share of wealth likely to increase by 2025
Noeth, Bryan J.; Emmons, William R. (2014)
In the Balance , Issue 8 , Pages 1-4