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Series:Federal Reserve Bulletin  Bank:Board of Governors of the Federal Reserve System (U.S.) 

Journal Article
Improving the measurement of cross-border securities holdings: the Treasury International Capital SLT

In the wake of the financial crisis, growing interest in improving the measurement of cross-border securities positions and flows spurred the introduction of a new Treasury International Capital (TIC) reporting form, the TIC Security Long Term (SLT). This article reviews the existing structure of TIC cross-border position and flow data, the benefits that the new SLT can provide, and the incoming information from the first two reporting months of SLT data, September and December 2011. While some patterns and characteristics of the SLT data will become clear only after more data have ...
Federal Reserve Bulletin , Volume 98 , Issue May , Pages 1-28

Journal Article
The mortgage market in 2011: highlights from the data reported under the Home Mortgage Disclosure Act

This article presents a number of key findings from a review of the data that mortgage lending institutions reported for 2011 under the Home Mortgage Disclosure Act (HMDA). The article documents home-lending activity reflected in the HMDA data and places the 2011 activity in historical context. It also examines changes in mortgage market concentration in recent years and in the credit scores of recent homebuyers. In addition, the article reviews patterns of lending across different racial or ethnic and income groups and across areas that differ in terms of housing market distress. Finally, it ...
Federal Reserve Bulletin , Volume 98 , Issue Sept

Journal Article
Changes in U.S. family finances from 2007 to 2010: evidence from the Survey of Consumer Finances

The Federal Reserve Board's Survey of Consumer Finances for 2010 provides insights into changes in family income and net worth since the 2007 survey. The survey shows that, over the 2007?10 period, the median value of real (inflation-adjusted) family income before taxes fell 7.7 percent, while mean income fell more sharply, an 11.1 percent decline. Both median and mean net worth decreased even more dramatically than income over this period, though the relative movements in the median and the mean are reversed; the median fell 38.8 percent, and the mean fell 14.7 percent. This article reviews ...
Federal Reserve Bulletin , Volume 98 , Issue June

Journal Article
Amendments effective July 2, 1992

Federal Reserve Bulletin , Issue Sep

Journal Article
1948 survey of consumer finances: part IV consumer saving and the allocation of disposable income

Federal Reserve Bulletin , Issue Aug , Pages 914-932

Journal Article
Statement to Congress, March 27, 2000 (general revenue transfers for Social Security and Medicare)

Federal Reserve Bulletin , Issue May , Pages 318-320

Journal Article
Credit report accuracy and access to credit

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 , Issue Sum , Pages 297-322

Journal Article
Mortgage market conditions and borrower outcomes: evidence from the 2012 HMDA data and matched HMDA–credit record data

This article describes mortgage lending activity in 2012 based on newly available data reported under the Home Mortgage Disclosure Act of 1975 (HMDA). In addition, we present the results of a first look at a new data set composed of HMDA records matched to borrowers' credit records. The matched data provide an opportunity to explore aspects of home lending that the HMDA data alone cannot address. In particular, we are able to compare borrowers? credit characteristics (for example, credit scores) at loan origination, and subsequent payment performance, by various HMDA attributes such as ...
Federal Reserve Bulletin , Issue Sept

Journal Article
Proposed amendments published to Regulation DD

Federal Reserve Bulletin , Issue Sum , Pages 331-332

Journal Article
Consumer goods developments

Federal Reserve Bulletin , Issue Nov




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