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Author:Avery, Robert B. 

Discussion Paper
Pensions and social security in household portfolios: evidence from the 1983 Survey of Consumer Finances

Research Papers in Banking and Financial Economics , Paper 81

Journal Article
Survey of consumer finances, 1983

Federal Reserve Bulletin , Issue Sep

Working Paper
Loan commitments and bank risk exposure

Finance and Economics Discussion Series , Paper 65

Journal Article
CRA special lending programs

The Community Reinvestment Act (CRA) of 1977 encourages federally insured banking institutions to help meet the credit needs of their communities, including those of lower-income areas, in a manner consistent with their safe and sound operation. In responding to the CRA, many banking institutions have sought to expand lending to lower-income populations through special lending programs that seek out and assist such borrowers in a variety of ways. These programs, many of which include third parties such as government agencies and nonprofit groups, are often an important element of an ...
Federal Reserve Bulletin , Volume 86 , Issue Nov , Pages 711-731

The CRA within a changing financial landscape


Journal Article
Changes in the distribution of banking offices

The past twenty years have been marked by major structural and regulatory changes in the banking industry. This article explores the relationships between these changes and the distribution of "brick and mortar" banking offices between 1975 and 1995. The analysis explores how population shifts, deregulation, and mergers, acquisitions, and failures may have influenced changes in the number and location of banking offices. Special attention is given to changes in banking office distributions across neighborhoods grouped by the median income of their residents and their central city, suburban, ...
Federal Reserve Bulletin , Volume 83 , Issue Sep

Discussion Paper
An analysis of risk-based deposit insurance for commercial banks

Research Papers in Banking and Financial Economics , Paper 79

Discussion Paper
Measuring wealth with survey data: an evaluation of the 1983 Survey of Consumer Finances

Research Papers in Banking and Financial Economics , Paper 99

Conference Paper
Access to credit for minority-owned businesses

Proceedings , Paper 759

Journal Article
Information dynamics and CRA strategy

A look at how the quantity and source of information flowing to lenders can affect their credit decisions, and an argument that lenders should take advantage of the CRA provisions that allow them to address their obligations through joint-lending programs and qualified investments.
Economic Commentary , Issue Feb


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