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Journal Article
Never never
Burke, William (1979)
FRBSF Economic Letter

Working Paper
Implications of Student Loan COVID-19 Pandemic Relief Measures for Families with Children
Isen, Adam; Goodman, Sarena; Mezza, Alvaro; Hannon, Simona (2023-05-05)
The initial years of the COVID-19 pandemic and the resulting economic fallout likely posed particular financial strain on U.S. households with children, who faced income disruptions from widespread jobs and hours cuts in addition to new childcare and instruction demands. One common expense for many such households is their student loan payment. The Coronavirus Aid, Relief, and Economic Security (CARES) Act included provisions to curb the impacts of these payments, which have been extended several times. These measures were not targeted and thus applied independent of need. This chapter ...
Finance and Economics Discussion Series , Paper 2023-025

Working Paper
Credit, bankruptcy, and aggregate fluctuations
Nakajima, Makoto; Rios-Rull, Jose-Victor (2014-10-20)
We ask two questions related to how access to credit affects the nature of business cycles. First, does the standard theory of unsecured credit account for the high volatility and procyclicality of credit and the high volatility and countercyclicality of bankruptcy filings found in U.S. data? Yes, it does, but only if we explicitly model recessions as displaying countercyclical earnings risk (i.e., rather than having all households fare slightly worse than normal during recessions, we ensure that more households than normal fare very poorly). Second, does access to credit smooth aggregate ...
Working Papers , Paper 14-31

Journal Article
Federal and state laws on consumer financial services: the doctrine of preemption
Silver, Rugenia (1983-11)
Federal Reserve Bulletin , Issue Nov

Speech
New perspectives on consumer behavior in credit and payments markets
Harker, Patrick T. (2015-10-02)
Welcome Remarks Before the Eighth Biennial Research Conference Co-organized by the Research Department and Payment Cards Center
Speech , Paper 111

Journal Article
Preliminary findings of the 1958 survey of consumer finances
anonymous (1958-03)
Federal Reserve Bulletin , Issue Mar

Journal Article
Will that be cash, check or debtor's hell?
Wirtz, Ronald A. (2000-10)
Fedgazette , Volume 12 , Issue Oct , Pages 6

Journal Article
Recent developments in consumer credit and payments
anonymous (2006-01)
The Federal Reserve Bank of Philadelphia?s Research Department and Payment Cards Center held a conference September 29-30, 2005 - the fourth in a series of conferences exploring new academic research on the topic of consumer credit and payments. Seven research papers covered topics such as the design of consumer bankruptcy law, predatory lending, consumers? choice of borrowing terms and indebtedness, the function of credit reporting agencies, and pricing in credit card and ATM networks. ; Also issued as Payment Cards Center Discussion Paper No. 06-02
Business Review , Issue Q1 , Pages 35-43

Working Paper
An Overview of Personal Loans in the U.S.
Flagg, Jessica N.; Hannon, Simona (2023-08-30)
Personal loans used for a variety of purposes, such as debt consolidation, medical bills, vacations, or the payment of a large ticket item, reached $356 billion or about 10 percent of nonrevolving consumer credit at the end of 2022. Although depository institutions such as banks, thrifts, and credit unions dominate the personal loan market, finance companies, institutions that typically lend to nonprime consumers, hold nearly a fourth of these loans. This paper provides an overview of this nascent but relatively understudied sector of the United States credit market.
Finance and Economics Discussion Series , Paper 2023-057

Journal Article
A summary of the conference on consumer transactions and credit
anonymous (2001-07)
In March of this year, the Federal Reserve Bank of Philadelphia and the Wharton School of the University of Pennsylvania, in association with the Journal of Financial Intermediation, sponsored a conference on research issues involving consumer transactions and credit. This article offers a summary of the papers presented at the conference. ; Also issued as Payment Cards Center Discussion Paper No 01-05
Business Review , Issue Q3 , Pages 5-9

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