Search Results
Showing results 1 to 10 of approximately 256.
(refine search)
Report
Student Debt and Default: The Role of For-Profit Colleges
Chakrabarti, Rajashri; Lovenheim, Michael; Armona, Luis
(2017-04-01)
For-profit providers have become an important fixture of U.S. higher education markets. Students who attend for-profit institutions take on more educational debt and are more likely to default on their student loans than those attending similarly selective public schools. Because for-profits tend to serve students from more disadvantaged backgrounds, it is important to isolate the causal effect of for-profit enrollment on student debt and repayment outcomes as well as the educational and labor market mechanisms that drive any such effects. We approach this problem using a novel instrument ...
Staff Reports
, Paper 811
Working Paper
Villains or Scapegoats? The Role of Subprime Borrowers in Driving the U.S. Housing Boom
Gerardi, Kristopher S.; Frame, W. Scott; Conklin, James; Liu, Haoyang
(2020-05-19)
An expansion in mortgage credit to subprime borrowers is widely believed to have been a principal driver of the 2002–2006 U.S. house price boom. By contrast, this paper documents a robust, negative correlation between the growth in the share of purchase mortgages to subprime borrowers and house price appreciation at the county-level during this time. Using two different instrumental variables approaches, we also establish causal evidence that house price appreciation lowered the share of purchase loans to subprime borrowers. Further analysis using micro-level credit bureau data shows that ...
Working Papers
, Paper 2013
Discussion Paper
Exploring the use of anonymized consumer credit information to estimate economic conditions: an application of big data
Wilshusen, Stephanie M.
(2015-11-06)
The emergence of high-frequency administrative data and other big data offers an opportunity for improvements to economic forecasting models. This paper considers the potential advantages and limitations of using information contained in anonymized consumer credit reports for improving estimates of current and future economic conditions for various geographic areas and demographic markets. Aggregate consumer credit information is found to be correlated with macroeconomic variables such as gross domestic product, retail sales, and employment and can serve as leading indicators such that lagged ...
Consumer Finance Institute discussion papers
, Paper 15-5
Working Paper
The credit card debt puzzle: the role of preferences, credit risk, and financial literacy
Gorbachev, Olga; Luengo-Prado, Maria Jose
(2016-07-07)
We use the 1979 National Longitudinal Survey of Youth to revisit what is termed the credit card debt puzzle: why consumers simultaneously co-hold high-interest credit card debt and low-interest assets that could be used to pay down this debt. This dataset contains unique information on intelligence, financial literacy, and preferences, while also providing a complete picture of households? balance sheets. Relative to individuals with no credit card debt but positive liquid assets, individuals in the puzzle group have higher discount rates, slightly lower financial literacy scores, and very ...
Working Papers
, Paper 16-6
Report
How Consumers Get Cash: Evidence from a Diary Survey
Shy, Oz; Greene, Claire
(2020-04-01)
Most research on payment instruments focuses on how consumers pay or spend their money using a wide variety of payment instruments including cash. This report focuses on the inverse of the question of spending, that is, how do consumers obtain cash? Data from the 2017 Diary of Consumer Payment Choice shows that, over a three-day period, about 21 percent of survey respondents get cash via various methods, such as getting cash from a family member or friend, using an ATM, getting cash back at retail, visiting a bank teller, etc. We find that consumers mostly get cash from family and friends, ...
Consumer Payments Research Data Reports
, Paper 2019-1
Working Paper
Strategic Default Among Private Student Loan Debtors: Evidence from Bankruptcy Reform
Darolia, Rajeev; Ritter, Dubravka
(2017-11-02)
Bankruptcy reform in 2005 restricted debtors? ability to discharge private student loan debt. The reform was motivated by the perceived incentive of some borrowers to file bankruptcy under Chapter 7 even if they had, or expected to have, sufficient income to service their debt. Using a national sample of credit bureau files, we examine whether private student loan borrowers distinctly adjusted their Chapter 7 bankruptcy filing behavior in response to the reform. We do not find evidence to indicate that the moral hazard associated with dischargeability appreciably affected the behavior of ...
Working Papers
, Paper 17-38
Working Paper
End of the Line: Behavior of HELOC Borrowers Facing Payment Changes
Johnson, Kathleen W.; Sarama, Robert F.
(2015-07-10)
An important question in the household finance literature is whether a change in required debt payments affects borrower behavior. One challenge in this literature has been identifying whether higher default rates observed after an increase in debt payments stem from the inability of borrowers to pay the higher amount, or the attrition of better borrowers in advance of the payment change. A related question is whether the higher default rate is a result of specific features of the debt product, or the type of borrower who chooses the product. We address both of these questions as they relate ...
Finance and Economics Discussion Series
, Paper 2015-73
Working Paper
Student Loans and Homeownership
Sommer, Kamila; Ringo, Daniel R.; Sherlund, Shane M.; Mezza, Alvaro
(2016-02-12)
We estimate the effect of student loan debt on subsequent homeownership in a uniquely constructed administrative dataset for a nationally representative cohort. We instrument for the amount of individual student debt using changes to the in-state tuition rate at public 4-year colleges in the student's home state. A $1,000 increase in student loan debt lowers the homeownership rate by about 1.5 percentage points for public 4-year college-goers during their mid 20s, equivalent to an average delay of 2.5 months in attaining homeownership. Validity tests suggest that the results are not ...
Finance and Economics Discussion Series
, Paper 2016-10
Working Paper
Important Factors Determining Fintech Loan Default: Evidence from the LendingClub Consumer Platform
Jagtiani, Julapa; Croux, Christophe; Korivi, Tarunsai; Vulanovic, Milos
(2020-04-16)
This study examines key default determinants of fintech loans, using loan-level data from the LendingClub consumer platform during 2007–2018. We identify a robust set of contractual loan characteristics, borrower characteristics, and macroeconomic variables that are important in determining default. We find an important role of alternative data in determining loan default, even after controlling for the obvious risk characteristics and the local economic factors. The results are robust to different empirical approaches. We also find that homeownership and occupation are important factors in ...
Working Papers
, Paper 20-15
Discussion Paper
The Housing Boom and the Decline in Mortgage Rates
Liu, Haoyang; Lucca, David O.; Parker, Dean; Rays-Wahba, Gabriela
(2021-09-07)
During the pandemic, national home values and housing activity soared as mortgage rates declined to historic lows. Under the canonical “user cost” house price model, home values are held to be very sensitive to interest rates, especially at low interest rate levels. A calibration of this model can account for the house price boom with the observed decline in interest rates. But empirically, we find that home values are nowhere near as sensitive to interest rates as the user cost model predicts. This lower sensitivity is also found in prior economic research. Thus, the historical ...
Liberty Street Economics
, Paper 20210907
FILTER BY year
FILTER BY Bank
Federal Reserve Bank of New York 73 items
Federal Reserve Bank of Boston 51 items
Federal Reserve Bank of Philadelphia 50 items
Board of Governors of the Federal Reserve System (U.S.) 41 items
Federal Reserve Bank of Atlanta 13 items
Federal Reserve Bank of St. Louis 6 items
Federal Reserve Bank of Chicago 5 items
Federal Reserve Bank of Cleveland 4 items
Federal Reserve Bank of Minneapolis 4 items
Federal Reserve Bank of Kansas City 3 items
Federal Reserve Bank of Dallas 2 items
Federal Reserve Bank of Richmond 2 items
Federal Reserve Bank of San Francisco 2 items
show more (8)
show less
FILTER BY Series
Working Papers 62 items
Liberty Street Economics 50 items
Finance and Economics Discussion Series 31 items
Research Data Report 21 items
Staff Reports 19 items
Consumer Finance Institute discussion papers 17 items
Federal Reserve Bulletin 9 items
Consumer Payments Research Data Reports 6 items
FRB Atlanta Working Paper 6 items
Review 6 items
Working Paper Series 5 items
Economic Policy Review 3 items
Opportunity and Inclusive Growth Institute Working Papers 3 items
Working Papers (Old Series) 3 items
Chicago Fed Letter 2 items
Current Policy Perspectives 2 items
Public Policy Discussion Paper 2 items
Research Working Paper 2 items
Working Paper 2 items
Economic Review 1 items
International Finance Discussion Papers 1 items
Policy Hub 1 items
Speech 1 items
Staff Report 1 items
show more (19)
show less
FILTER BY Content Type
Working Paper 115 items
Discussion Paper 70 items
Report 49 items
Journal Article 19 items
Newsletter 2 items
Speech 1 items
show more (1)
show less
FILTER BY Author
Van der Klaauw, Wilbert 40 items
Stavins, Joanna 29 items
Haughwout, Andrew F. 28 items
Lee, Donghoon 25 items
Scally, Joelle 23 items
Greene, Claire 19 items
Schuh, Scott 15 items
Mikhed, Vyacheslav 14 items
Chakrabarti, Rajashri 13 items
Foster, Kevin 11 items
Blascak, Nathan 9 items
Hitczenko, Marcin 9 items
Hunt, Robert M. 9 items
Angrisani, Marco 8 items
Ritter, Dubravka 8 items
Brown, Meta 7 items
Mangrum, Daniel 7 items
Vogan, Michael 7 items
Cheney, Julia S. 6 items
Koşar, Gizem 6 items
Shy, Oz 6 items
Thompson, Jeffrey P. 6 items
Volz, Alice Henriques 6 items
Akana, Tom 5 items
Armantier, Olivier 5 items
Bricker, Jesse 5 items
Fulford, Scott L. 5 items
Fuster, Andreas 5 items
Gerardi, Kristopher S. 5 items
Liu, Haoyang 5 items
Moore, Kevin B. 5 items
Avtar, Ruchi 4 items
Dettling, Lisa J. 4 items
Hsu, Joanne W. 4 items
Kudlyak, Marianna 4 items
Lu, Jessica 4 items
Nober, William 4 items
Pomerantz, Rachel 4 items
Santucci, Lawrence 4 items
Scholnick, Barry 4 items
Willen, Paul S. 4 items
Zafar, Basit 4 items
Agarwal, Sumit 3 items
Bleemer, Zachary 3 items
Chatterji-Len, Kasey 3 items
Ding, Lei 3 items
Durkin, Thomas A. 3 items
Elliehausen, Gregory E. 3 items
Johnson, Kathleen W. 3 items
Kim, You Suk 3 items
Li, Geng 3 items
Li, Wenli 3 items
Mezza, Alvaro 3 items
Parker, Dean 3 items
Pinkovskiy, Maxim L. 3 items
Sabelhaus, John Edward 3 items
Toh, Ying Lei 3 items
Topa, Giorgio 3 items
Wilshusen, Stephanie M. 3 items
Yannelis, Constantine 3 items
Argys, Laura 2 items
Avery, Robert B. 2 items
Bhutta, Neil 2 items
Calem, Paul S. 2 items
Canner, Glenn B. 2 items
Coibion, Olivier 2 items
Conklin, James 2 items
Darolia, Rajeev 2 items
Dynan, Karen E. 2 items
Fang, Hanming 2 items
Frame, W. Scott 2 items
Friedson, Andrew 2 items
Gallagher, Justin 2 items
Garratt, Rod 2 items
Ghent, Andra C. 2 items
Goldman, Leo 2 items
Goldsmith-Pinkham, Paul 2 items
Goodman, Sarena 2 items
Gorodnichenko, Yuriy 2 items
Guttman-Kenney, Benedict 2 items
Hartley, Daniel 2 items
Herkenhoff, Kyle F. 2 items
Hong, Suting 2 items
Hu, Luojia 2 items
Huang, Xing 2 items
Hwang, Jackelyn 2 items
Kennickell, Arthur B. 2 items
Laufer, Steven 2 items
Lee, Michael Junho 2 items
Liberman, Andres 2 items
Merry, Ellen A. 2 items
Mondragon, John 2 items
Ohanian, Lee E. 2 items
Pence, Karen M. 2 items
Pitts, M. Melinda 2 items
Plosser, Matthew 2 items
Ringo, Daniel R. 2 items
Santucci, Larry 2 items
Serfes, Konstantinos 2 items
Shaton, Maya 2 items
Smith, Kyle 2 items
Sommer, Kamila 2 items
Townsend, Robert M. 2 items
Vickery, James 2 items
Vine, Daniel J. 2 items
Zhang, Xiaohan 2 items
Abel, Joshua 1 items
Aizcorbe, Ana M. 1 items
Albanesi, Stefania 1 items
Amromin, Gene 1 items
An, Xudong 1 items
Armona, Luis 1 items
Arslan, Yavuz 1 items
Bagnall, John 1 items
Barca, Alaina 1 items
Barrot, Jean-Noël 1 items
Bartscher, Alina K. 1 items
Bilal, Adrien 1 items
Bilbiie, Florin 1 items
Blair, Jacqueline 1 items
Blickle, Kristian S. 1 items
Borella, Margherita 1 items
Bounie, David 1 items
Bracha, Anat 1 items
Braxton, John Carter 1 items
Bucks, Brian K. 1 items
Canals-Cerda, Jose J. 1 items
Chan, Sewin 1 items
Chien, YiLi 1 items
Cohen, Ruth 1 items
Cole, Shawn 1 items
Collins, J. Michael 1 items
Connolly, Sean 1 items
Cordell, Lawrence R. 1 items
Croushore, Dean 1 items
Croux, Christophe 1 items
Dam, David 1 items
De Nardi, Mariacristina 1 items
Degerli, Ahmet 1 items
Devlin-Foltz, Sebastian 1 items
Dharmasankar, Sharada 1 items
DiMaggio, Marco 1 items
Divringi, Eileen 1 items
Dobbie, Will 1 items
Dobridge, Christine L. 1 items
Dokko, Jane 1 items
Dokko, Jane K. 1 items
Eggertsson, Gauti B. 1 items
Elvery, Joel 1 items
Engelman, Katherine 1 items
Feiveson, Laura J. 1 items
Fessler, Pirmin 1 items
Foote, Christopher L. 1 items
Fos, Vyacheslav 1 items
Fox, Lynn 1 items
Friedline, Terri 1 items
Garriga, Carlos 1 items
Gautam, Akshat 1 items
George, Taz 1 items
Gine, Xavier 1 items
Goodman, Sarena F. 1 items
Gorbachev, Olga 1 items
Goss, Jacob 1 items
Grigsby, John 1 items
Grundl, Serafin J. 1 items
Hannon, Simona 1 items
Hansen, Lars Peter 1 items
Hayashi, Andrew 1 items
Hayashi, Fumiko 1 items
Hayes, Jessica 1 items
Helppie-McFall, Brooke 1 items
Herbst-Murphy, Susan 1 items
Hertzberg, Andrew 1 items
Higgins, Matthew 1 items
Hoffmann, Joy 1 items
Hughes, Robert 1 items
Huynh, Kim P. 1 items
Isen, Adam 1 items
Jacobs, Lindsay 1 items
Jagtiani, Julapa 1 items
Jambulapati, Vikram 1 items
Johnson, Paul 1 items
Kabaş, Gazi 1 items
Kaplan, Greg 1 items
Kartashova, Katya 1 items
Ke, Wei 1 items
Kelliher, Jimmy 1 items
Kermani, Amir 1 items
Klitgaard, Thomas 1 items
Knotek, Edward S. 1 items
Koijen, Ralph S. J. 1 items
Korivi, Tarunsai 1 items
Kosse, Anneke 1 items
Kovrijnykh, Natalia 1 items
Kuhn, Moritz 1 items
Kurz, Christopher J. 1 items
Larrimore, Jeff 1 items
Lee, Seung Jung 1 items
Linnemann, Theo 1 items
Liskovich, Inessa 1 items
Livshits, Igor 1 items
Llanes, Elizabeth 1 items
Loewenstein, Lara 1 items
Looney, Adam 1 items
Loualiche, Erik 1 items
Lovenheim, Michael 1 items
Lucca, David O. 1 items
Luengo-Prado, Maria Jose 1 items
Mahoney, Neale 1 items
Mann, Alexis 1 items
McAndrews, James J. 1 items
McCartney, W. Ben 1 items
McCully, Brett 1 items
Meghir, Costas 1 items
Meier, Stephan 1 items
Melcangi, Davide 1 items
Meschede, Tatjana 1 items
Miller, Jr., Thomas W. 1 items
Morgan, Donald P. 1 items
Murdock, William 1 items
Nakajima, Makoto 1 items
Nakamura, Leonard I. 1 items
Newberger, Robin G. 1 items
Nie, Jun 1 items
Noeth, Bryan J. 1 items
Nosal, Jaromir B. 1 items
O'Brien, Shaun 1 items
O'Dell, Mark 1 items
Oswald, Florian 1 items
Paciorek, Andrew D. 1 items
Paravisini, Daniel 1 items
Pilossoph, Laura 1 items
Posenau, Kelly E. 1 items
Prescott, Brian 1 items
Primiceri, Giorgio E. 1 items
Ramcharan, Rodney 1 items
Rays-Wahba, Gabriela 1 items
Rodriguez, Belicia 1 items
Rohlin, Shawn M. 1 items
Roman, Raluca 1 items
Rossi-Hansberg, Esteban 1 items
Samphantharak, Krislert 1 items
Santos, João A. C. 1 items
Sarama, Robert F. 1 items
Sauvagnat, Julien 1 items
Scharlemann, Tess C. 1 items
Schirmer, Will 1 items
Schlagenhauf, Don E. 1 items
Schmidt, Tobias 1 items
Schnabl, Philipp 1 items
Schularick, Moritz 1 items
Schultz, Leigh-Ann 1 items
Schweitzer, Mark E. 1 items
Shah, Avni 1 items
Shapiro, Thomas M. 1 items
Sherlund, Shane M. 1 items
Shore, Stephen H. 1 items
Simonov, Andrei 1 items
Skandalis, Daphne 1 items
Song, Jae 1 items
Stebunovs, Viktors 1 items
Steins, Ulrike I. 1 items
Stix, Helmut 1 items
Strair, Katherine 1 items
Suarez, Gustavo A. 1 items
Tambalotti, Andrea 1 items
Tang, Sharon 1 items
Taylor, Joanna 1 items
Tello-Trillo, D. Sebastian 1 items
Telyukova, Irina A. 1 items
Thomas, Logan 1 items
Tobacman, Jeremy 1 items
Topalova, Petia 1 items
Tracy, Joseph 1 items
Urban, Carly 1 items
Van Nieuwerburgh, Stijn 1 items
Vulanovic, Milos 1 items
Wallace, Jacob 1 items
Wang, Crystal 1 items
Wardrip, Keith 1 items
Wen, Jaya 1 items
Whitaker, Stephan 1 items
Wu, Huijia 1 items
Yogo, Motohiro 1 items
Yu, Edison 1 items
Zetlin-Jones, Ariel 1 items
Zhang, Calvin 1 items
Zhang, David Hao 1 items
Zhang, Hanbing 1 items
Zhou, Xiaoqing 1 items
del Valle, Alejandro 1 items
http://fedora:8080/fcrepo/rest/objects/authors/ 1 items
show more (287)
show less
FILTER BY Jel Classification
D12 62 items
G21 46 items
E21 26 items
D18 22 items
E42 21 items
D31 17 items
D91 13 items
G28 11 items
R31 11 items
I22 10 items
G11 9 items
E4 8 items
G02 8 items
G51 8 items
K35 8 items
Q12 8 items
D15 7 items
R21 7 items
R23 7 items
D63 6 items
E41 6 items
G23 6 items
G33 6 items
G50 6 items
D10 5 items
E24 5 items
G20 5 items
I18 5 items
J15 5 items
Q54 5 items
D82 4 items
E27 4 items
E52 4 items
G01 4 items
G22 4 items
I13 4 items
J24 4 items
J32 4 items
D53 3 items
D71 3 items
D86 3 items
D9 3 items
E51 3 items
G10 3 items
G18 3 items
G2 3 items
G5 3 items
H52 3 items
H55 3 items
H81 3 items
H84 3 items
I23 3 items
J11 3 items
J6 3 items
R10 3 items
R11 3 items
C53 2 items
C55 2 items
D81 2 items
E2 2 items
E32 2 items
E58 2 items
G12 2 items
G32 2 items
G38 2 items
H31 2 items
H75 2 items
I14 2 items
I31 2 items
J0 2 items
J01 2 items
J61 2 items
K12 2 items
A20 1 items
C68 1 items
C8 1 items
C81 1 items
C82 1 items
C93 1 items
D03 1 items
D1 1 items
D11 1 items
D19 1 items
D24 1 items
D3 1 items
D52 1 items
D61 1 items
D80 1 items
D83 1 items
E03 1 items
E20 1 items
E22 1 items
E30 1 items
E37 1 items
E43 1 items
E44 1 items
E5 1 items
E50 1 items
E6 1 items
E60 1 items
E65 1 items
F0 1 items
F6 1 items
G0 1 items
G1 1 items
G29 1 items
G41 1 items
G52 1 items
G53 1 items
H00 1 items
H20 1 items
H23 1 items
H51 1 items
H63 1 items
H8 1 items
I1 1 items
I12 1 items
I20 1 items
I24 1 items
I32 1 items
J10 1 items
J12 1 items
J14 1 items
J18 1 items
J20 1 items
J22 1 items
J26 1 items
J31 1 items
J38 1 items
J62 1 items
J65 1 items
K10 1 items
L81 1 items
L85 1 items
M37 1 items
O16 1 items
O35 1 items
Q50 1 items
R13 1 items
R20 1 items
R3 1 items
R30 1 items
show more (138)
show less
FILTER BY Keywords
credit cards 34 items
COVID-19 21 items
household finances 21 items
student loans 19 items
mortgages 14 items
consumer credit 14 items
cash 13 items
Credit scores 12 items
consumer credit panel 11 items
consumption 11 items
inequality 11 items
mortgage 11 items
Household Finance 11 items
electronic payments 10 items
consumer payments 10 items
debit cards 10 items
Diary of Consumer Payment Choice 9 items
payment preferences 9 items
debt 9 items
homeownership 9 items
checking accounts 8 items
checks 8 items
pandemic 8 items
prepaid cards 8 items
default 8 items
housing 8 items
CCP 7 items
student debt 7 items
bankruptcy 7 items
delinquency 7 items
forbearance 7 items
saving 7 items
unbanked 7 items
identity theft 7 items
Survey of Consumer Payment Choice 6 items
consumer finance 6 items
fraud alert 6 items
credit card debt 5 items
race 5 items
Consumer behavior 5 items
Households 5 items
income 5 items
survey design 5 items
Consumer protection 5 items
Credit Constraints 5 items
Consumer Credit Panel (CCP) 4 items
diversity 4 items
foreclosures 4 items
house prices 4 items
poststratification estimates 4 items
raking 4 items
sample selection 4 items
survey cleaning 4 items
Credit supply 4 items
Data breach 4 items
Insurance 4 items
auto loans 4 items
household debt 4 items
human capital 4 items
CUNY 3 items
Lifecycle 3 items
consumer debts 3 items
financial distress 3 items
heterogeneity 3 items
monetary policy 3 items
money demand 3 items
payments 3 items
pensions 3 items
tuition 3 items
Credit report 3 items
Fair and Accurate Credit Transactions Act (FACTA) 3 items
consumer surveys 3 items
credit freeze 3 items
credit limits 3 items
credit performance 3 items
credit reports 3 items
financial inclusion 3 items
health insurance 3 items
inattention 3 items
payment behavior 3 items
payment choice 3 items
stress testing 3 items
Bank Lending 3 items
Financial Literacy 3 items
CARD Act 2 items
CARES 2 items
CARES Act 2 items
Credit Card Accountability Responsibility and Disclosure Act 2 items
Equifax data breach 2 items
Financial contracts 2 items
Gentrification 2 items
Great Recession 2 items
Intergenerational Mobility 2 items
Liquidity 2 items
Mortgages and credit 2 items
Motor vehicles 2 items
Payday loans 2 items
Refinancing 2 items
Residential mobility 2 items
Savings 2 items
Social Security 2 items
auto 2 items
cards 2 items
check 2 items
climate change 2 items
consumer preferences 2 items
credit invisibles 2 items
creditworthiness 2 items
currency denominations 2 items
debit card 2 items
expectations 2 items
financial assets 2 items
holdup 2 items
home price 2 items
housing boom 2 items
interest rates 2 items
leverage 2 items
limited attention 2 items
liquid assets 2 items
liquidity constraints 2 items
marginal propensity to consume 2 items
measurement 2 items
merchant steering 2 items
mortgage forbearance 2 items
precaution 2 items
privacy 2 items
risk-based pricing 2 items
rotating savings and credit association (ROSCA) 2 items
social comparisons among peers 2 items
spending 2 items
subprime 2 items
survey 2 items
underserved 2 items
unemployment 2 items
Access to Credit 2 items
Adjustable-Rate Mortgage 2 items
Adverse Selection 2 items
Bankruptcy Reform 2 items
Big data 2 items
Consumer credit information 2 items
Deleveraging 2 items
Fintech 2 items
Forecasting 2 items
Home equity 2 items
Household Spending 2 items
Household Wealth 2 items
Household formation 2 items
Life Cycle 2 items
Loan Modification 2 items
Loan default 2 items
Migration 2 items
Natural Disaster 2 items
Natural disasters 2 items
$1 bill 1 items
$100 bill 1 items
ATMs 1 items
Administrative data 1 items
Advertising 1 items
Affordable Care Act 1 items
Aging 1 items
Annuities 1 items
Assortative matching 1 items
Attention 1 items
Auto sales 1 items
Automatic Modification with a Cushion 1 items
Automatic modification mortgages with cushions 1 items
Affordable Care Act 1 items
BAPCPA 1 items
Balance sheets 1 items
Bank Regulation 1 items
Bank funding 1 items
Banking and Finance 1 items
Banking crises 1 items
Behavioral consumer finance 1 items
Canada 1 items
Committed relationships 1 items
Community Reinvestment Act 1 items
Confidence 1 items
Consumer Lending 1 items
Consumer bankruptcy 1 items
Consumer debt 1 items
Consumers 1 items
Consumption (Economics) 1 items
Consumption smoothing 1 items
Coronavirus 1 items
Credit Health 1 items
Credit History 1 items
Credit demand and supply 1 items
Credit insurance 1 items
Credit limit increases 1 items
Credit limit policy 1 items
Credit scoring systems 1 items
Credit-to-GDP gap 1 items
Crisis management 1 items
Cross-country analysis 1 items
Currency crises 1 items
Debt Dilution 1 items
Debt repayment 1 items
Displacement 1 items
Early warning system 1 items
Education 1 items
Education - Economic aspects 1 items
Entry barriers 1 items
Equifax 1 items
Essential workers 1 items
Euro area 1 items
Experimental Economics 1 items
Federal Reserve System 1 items
Filing costs 1 items
Finance, Personal 1 items
Financial Capability 1 items
Financial Regulation 1 items
Financial crises 1 items
Financial management 1 items
Financial vulnerabilities 1 items
Generations 1 items
HARP 1 items
HELOC 1 items
Health 1 items
Home Mortgage Disclosure Act 1 items
Home equity lines of credit 1 items
Household behavior 1 items
Household income 1 items
Households - Economic aspects 1 items
Income Inequality 1 items
India 1 items
Inflation 1 items
Inflation Expectations 1 items
Information 1 items
Information Aggregation 1 items
Information Display 1 items
Interest Rate Cap 1 items
Internal migration 1 items
Intra-household allocation 1 items
Japan 1 items
Labor 1 items
Labor Supply 1 items
Life insurance 1 items
Loan Maturity 1 items
MPOWER 1 items
Macroprudential policy 1 items
Medicaid 1 items
Microeconomics 1 items
Millennials 1 items
Mistakes 1 items
Moral hazard. 1 items
Mortgage Default 1 items
Mortgage rate 1 items
Mortgage refinancing 1 items
Myopic Loss Aversion 1 items
Neighborhoods 1 items
New York (City) 1 items
Nowcasting 1 items
Online lending markets 1 items
P2P 1 items
P2P/marketplace lending 1 items
Peer Effects 1 items
Personal finance 1 items
Portfolio allocation 1 items
Portfolio choice 1 items
Predatory lending 1 items
Racial Wealth Gap 1 items
Real-time data 1 items
Residential Real Estate 1 items
Revolving balance 1 items
Rising tuition 1 items
Risk Score 1 items
Risk Scores 1 items
Risky assets 1 items
Salience 1 items
Saving and investment 1 items
Screening 1 items
Social Capital 1 items
Social insurance 1 items
Socioeconomic Status 1 items
Stock market participation 1 items
Survey data 1 items
Survey of Consumer Expectations 1 items
Survey of Consumer Expectations (SCE) 1 items
Target 1 items
Travel Costs 1 items
Trust 1 items
Trustworthiness 1 items
U.S. 1 items
U.S. consumer check use 1 items
U.S. currency in circulation 1 items
Unemployment insurance 1 items
Wealth 1 items
Wealth concentration 1 items
Wealth distribution 1 items
Wealth measurement 1 items
account graduation 1 items
asset inequality 1 items
auto debt 1 items
auto loan 1 items
bank account fees 1 items
benefits 1 items
bill payments 1 items
buffer stock 1 items
cash and debit discount 1 items
cash flows 1 items
cash-out refinancing 1 items
central bank digital currencies 1 items
choice of payment cards 1 items
collections 1 items
college 1 items
commuting zones 1 items
consumer expectations 1 items
consumer expenditures 1 items
consumer spending 1 items
consumption spending 1 items
contactless 1 items
credit 1 items
credit access 1 items
credit bureau data 1 items
credit card fees 1 items
credit card puzzle 1 items
credit card surcharge 1 items
credit card utilization 1 items
credit demand 1 items
credit expansion 1 items
credit risks 1 items
crowdfunding 1 items
data 1 items
debt service ratio 1 items
decreasers 1 items
default rate 1 items
diaries 1 items
diary survey 1 items
digital payments 1 items
disaster insurance 1 items
discounts 1 items
economic development 1 items
economic hardship 1 items
emergency savings 1 items
employment 1 items
employment growth 1 items
end of draw 1 items
extended fraud alert 1 items
externalities 1 items
fees by demographics 1 items
field experiment 1 items
financial decisionmaking 1 items
financial fragility 1 items
financial health 1 items
financial innovations 1 items
financial risk 1 items
financial statements 1 items
financial technology 1 items
first-time home buyers 1 items
fiscal policy 1 items
flood maps 1 items
for-profit 1 items
for-profit schools 1 items
foreclosure 1 items
gamification 1 items
government saving 1 items
harmonization 1 items
home prices 1 items
household consumption 1 items
household information 1 items
household portfolios 1 items
housing activity 1 items
housing finance 1 items
income expectations 1 items
increasers 1 items
inheritance 1 items
insolvency 1 items
intergenerational credit 1 items
intertemporal consumption 1 items
lasso selection methods 1 items
lending practices 1 items
life-cycle savings patterns 1 items
lifecycle models 1 items
lifetime earnings 1 items
local labor market conditions 1 items
low income 1 items
low- and moderate-income neighborhoods 1 items
machine learning 1 items
market structure 1 items
medicare 1 items
merchant category 1 items
merit aid 1 items
minimum wages 1 items
mobile payments 1 items
mobility 1 items
monetary policy transmission 1 items
money 1 items
moratorium 1 items
mortality 1 items
mortgage defaults 1 items
mortgage markets 1 items
mortgage servicing 1 items
multi-homing 1 items
negative equity 1 items
nonbanks 1 items
online community 1 items
panel 1 items
paper checks 1 items
participation inequality 1 items
paycheck 1 items
payment card security 1 items
payment card use 1 items
payment cards 1 items
payment changes 1 items
payment deferral 1 items
payment systems 1 items
peer-to-peer lending 1 items
pension 1 items
personal bankruptcy 1 items
personal checks 1 items
personal loans 1 items
personal saving 1 items
point-of-sale payments 1 items
portfolio composition 1 items
postsecondary education 1 items
precautionary motives 1 items
show more (495)
show less