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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

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