Search Results
Working Paper
The asset-correlation parameter in Basel II for mortgages on single-family residences
Calem, Paul S.; Follain, James R.
(2003)
Basel II White Paper
, Paper 5
Working Paper
Prudential Policies and Their Impact on Credit in the United States
Lee, Seung Jung; Calem, Paul S.; Correa, Ricardo
(2016-12-13)
We analyze how two types of recently used prudential policies affected the supply of credit in the United States. First, we test whether the U.S. bank stress tests had any impact on the supply of mortgage credit. We find that the first Comprehensive Capital Analysis and Review (CCAR) stress test in 2011 had a negative effect on the share of jumbo mortgage originations and approval rates at stress-tested banks?banks with worse capital positions were impacted more negatively. Second, we analyze the impact of the 2013 Supervisory Guidance on Leveraged Lending and subsequent 2014 FAQ notice, ...
International Finance Discussion Papers
, Paper 1186
Journal Article
Joint ventures: meeting the competition in banking
Calem, Paul S.
(1988-05)
Business Review
, Issue May
, Pages 13-21
Journal Article
Changes in the distribution of banking offices
Canner, Glenn B.; Calem, Paul S.; Bostic, Raphael W.; Avery, Robert B.
(1997-09)
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
Journal Article
Credit report accuracy and access to credit
Calem, Paul S.; Canner, Glenn B.; Avery, Robert B.
(2004-07)
Data that credit-reporting agencies maintain on consumers' credit-related experiences play a central role in U.S. credit markets. Analysts widely agree that the data enable these markets to function more efficiently and at lower cost than would otherwise be possible. Despite the great benefits of the current system, however, some analysts have raised concerns about the accuracy, timeliness, completeness, and consistency of consumer credit records and about the effects of data problems on the availability and cost of credit. ; In this article, the authors expand on the available research by ...
Federal Reserve Bulletin
, Volume 90
, Issue Sum
, Pages 297-322
Working Paper
Branch banking and the geography of bank pricing
Nakamura, Leonard I.; Calem, Paul S.
(1994)
Working Papers
, Paper 94-19
Working Paper
The impact of branch banking on pricing and service availability: theory and evidence
Nakamura, Leonard I.; Calem, Paul S.
(1993)
Working Papers
, Paper 93-23
Working Paper
Foreclosure delay and consumer credit performance
Lang, William W.; Calem, Paul S.; Jagtiani, Julapa
(2015-07-02)
Supersedes Working Paper 14-8. The deep housing market recession from 2008 through 2010 was characterized by a steep rise in the number of foreclosures and lengthening foreclosure timelines. The average length of time from the onset of delinquency through the end of the foreclosure process also expanded significantly, averaging up to three years in some states. Most individuals undergoing foreclosure were experiencing serious financial stress. However, the extended foreclosure timelines enabled mortgage defaulters to live in their homes without making mortgage payments until the end of the ...
Working Papers
, Paper 15-24
Working Paper
Search, switching costs, and the stickiness of credit card interest rates
Mester, Loretta J.; Calem, Paul S.
(1992)
Working Papers
, Paper 92-24
Working Paper
Financing, commitment and entry deterrence
Berlin, Mitchell; Calem, Paul S.
(1987)
Working Papers
, Paper 87-8
FILTER BY year
FILTER BY Bank
FILTER BY Series
Working Papers 39 items
Business Review 7 items
Federal Reserve Bulletin 5 items
Finance and Economics Discussion Series 4 items
Proceedings 2 items
Basel II White Paper 1 items
Consumer Finance Institute discussion papers 1 items
Economic Commentary 1 items
International Finance Discussion Papers 1 items
Working Papers (Old Series) 1 items
show more (5)
show less
FILTER BY Content Type
FILTER BY Author
Nakamura, Leonard I. 10 items
Avery, Robert B. 7 items
Canner, Glenn B. 7 items
Jagtiani, Julapa 5 items
Bostic, Raphael W. 4 items
Rizzo, John A. 4 items
Brueckner, Jan K. 3 items
Lambie-Hanson, Lauren 3 items
Longhofer, Stanley D. 3 items
Mester, Loretta J. 3 items
Carlino, Gerald A. 2 items
Lang, William W. 2 items
Maingi, Ramain Quinn 2 items
Wang, Jenna 2 items
Abell, David 1 items
Acolin, Arthur 1 items
Berlin, Mitchell 1 items
Cannon, Matthew 1 items
Correa, Ricardo 1 items
Follain, James R. 1 items
Gordy, Michael B. 1 items
Henderson, Chris 1 items
Henderson, Christopher 1 items
Kenney, Jeanna 1 items
LaCour-Little, Michael 1 items
Lee, Seung Jung 1 items
Liles, Jonathan 1 items
Moulton, Janice M. 1 items
Ramasamy, Chellappan 1 items
Rob, Rafael 1 items
Stutzer, Michael J. 1 items
Wachter, Susan M. 1 items
show more (28)
show less
FILTER BY Jel Classification
FILTER BY Keywords
Mortgages 11 items
Credit cards 6 items
Bank loans 5 items
Discrimination in mortgage loans 5 items
Bank deposits 4 items
Branch banks 4 items
Interstate banking 4 items
Bank competition 3 items
Community Reinvestment Act of 1977 3 items
Corporations - Finance 3 items
Foreclosure 3 items
Hospitals - Economic aspects 3 items
Hospitals - Finance 3 items
Risk 3 items
mortgage defaults 3 items
Appraisal 2 items
Bank capital 2 items
Bank mergers 2 items
Banking market 2 items
Consumer credit 2 items
Delaware Valley Mortgage Plan 2 items
Information 2 items
Interest rates 2 items
Medical care 2 items
Money market deposit account 2 items
Mortgage 2 items
Mortgage Default 2 items
Mortgage loans 2 items
NOW accounts 2 items
Philadelphia (Pa.) 2 items
Prices 2 items
Regulation 2 items
Retail trade 2 items
Risk management 2 items
mortgage 2 items
mortgage modification 2 items
mortgage servicing 2 items
Bank stress tests 1 items
Bank supervision 1 items
Banking structure 1 items
Banks and banking 1 items
Banks and banking - Service charges 1 items
Basel capital accord 1 items
CCAR 1 items
Cities and towns 1 items
Competition 1 items
Consolidation and merger of corporations 1 items
Consumer behavior 1 items
Credit 1 items
Credit Card Default 1 items
Credit card Default 1 items
Credit scoring systems 1 items
Debt 1 items
Economies of scale 1 items
Federal Reserve District, 3rd 1 items
Financial services industry 1 items
Foreclosure Delay 1 items
Foreclosure delay 1 items
Fraud 1 items
Game theory 1 items
Global financial crisis 1 items
HELOC 1 items
Home Mortgage Disclosure Act (HMDA) data 1 items
Home equity loans 1 items
Interagency Guidance on Leveraged Lending 1 items
Joint ventures 1 items
Jumbo mortgages 1 items
Leveraged lending 1 items
Loans 1 items
Macroprudential policy 1 items
Manufactures 1 items
Monopolies 1 items
Mortgage default 1 items
Mortgage-backed securities 1 items
Production (Economic theory) 1 items
Productivity 1 items
Regulation Q: Prohibition Against Payment of Interest on Demand Deposits 1 items
Shared National Credit (SNC) data 1 items
Subprime market 1 items
Subprime mortgage 1 items
Syndicated loan market 1 items
Technology 1 items
appraisal 1 items
auto lenders 1 items
auto loans 1 items
bank examinations 1 items
census tract 1 items
consumer banking 1 items
credit access 1 items
credit cards 1 items
default risk 1 items
financial inclusion 1 items
financial literacy 1 items
first-time home buyers 1 items
foreclosures 1 items
homeownership 1 items
household debt 1 items
housing market trends 1 items
information 1 items
longer maturities 1 items
longer-term borrowings 1 items
multilevel modeling 1 items
non-bank activities 1 items
observable characteristics 1 items
origination vintages 1 items
regulation 1 items
student loans 1 items
unbanked 1 items
unemployment 1 items
show more (104)
show less