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Discussion Paper
Growing Pains: Examining Small Business Access to Affordable Credit in Low-Income Areas
This third article examines small businesses’ access to financial services in low- and moderate-income communities.
Discussion Paper
Gender and Credit in 2020: Evidence from the Survey of Household Economics and Decisionmaking
The third notes that, in 2020, women were more likely to have credit card debt, to be denied or approved for less when they applied for credit products, and to put off applying for credit at higher rates than men.
Discussion Paper
Searching for Small Business Credit Online: What Prospective Borrowers Encounter on Fintech Lender Websites
This first article describes what small business owners encounter when searching for financing on the websites of online lenders.
Discussion Paper
At the Fed, Consumers and Communities Matter
This new article series will highlight Federal Reserve research and analysis of the financial conditions and experiences of consumers and communities, including traditionally underserved and economically vulnerable households and neighborhoods. Our goal for this series is not just to share insights, but to provide context for the complex economic and financial issues that affect individuals, communities, and the broader economy—and, in the process, enhance understanding of and enrich the dialogue on issues that touch all of our lives.
Discussion Paper
Delivering Benefits of Faster Payments to the Underserved
This first article examines the implications of faster payments for cash-flow-constrained consumers.
Discussion Paper
Access to Financial Services Matters to Small Businesses
This issue of Consumer & Community Context focuses on small businesses’ access to capital.
Discussion Paper
A Survey of Separately Branded Online-Only Banks and Their Role in the Banking System
This second article explores the emergence of online-only subsidiaries of traditional brick-and-mortar banks.
Discussion Paper
Analyzing Consumer Complaints for Emerging Risks During the Pandemic
This third article presents the results of an analysis of complaints consumers reported to the Consumer Financial Protection Bureau about their experiences with financial institutions.
Discussion Paper
The Initial Impact of COVID-19 on Communities and the Entities Serving Them
This fourth article highlights the results of a survey of organizations providing services to LMI communities during the pandemic.
Discussion Paper
"Rural Brain Drain": Examining Millennial Migration Patterns and Student Loan Debt
This second article considers the relationship between the amount of student loan debt individuals acquire and their decisions to live in rural or urban areas.