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Journal Article
What you should know about identity theft
Bauer, Paul W. (2002-09)
Identity theft?appropriating someone else?s identity for illicit gain?is the fastest-growing financial crime. It can cause considerable financial losses, and cleaning up a trashed credit history can be time consuming and frustrating. This Economic Commentary examines the identity theft phenomenon?how it works, how lawmakers, regulators, and financial institutions are combating it, and what consumers can do to protect themselves.
Economic Commentary , Issue Sep

Working Paper
Automated Credit Limit Increases and Consumer Welfare
Bord, Vitaly M.; Kovacs, Agnes; Moran, Patrick (2025-09-24)
In the United States, credit card companies frequently use machine learning algorithms to proactively raise credit limits for borrowers. In contrast, an increasing number of countries have begun to prohibit credit limit increases initiated by banks rather than consumers. In this paper, we exploit detailed regulatory micro data to examine the extent to which bank-initiated credit limit increases are directed towards individuals with revolving debt. We then develop a model that captures the costs and benefits of regulating proactive credit limit increases, which we use to quantify their ...
Finance and Economics Discussion Series , Paper 2025-088

Journal Article
Consumer guide to nontraditional mortgages published
anonymous (2006-10-04)
Financial Update , Volume 19 , Issue Q 4

Working Paper
New Evidence on an Old Unanswered Question : Why Some Borrowers Purchase Credit Insurance and Other Debt Protection and Some Do Not
Elliehausen, Gregory E.; Durkin, Thomas A. (2017-12-18)
Credit related insurance and other debt protection are products sold in conjunction with credit that extinguish a consumer?s debt or suspends its periodic payments if events like death, disability, or involuntary unemployment occur. High penetration rates observed in the 1950s and 1960s raised concerns about coercion in the sale of credit insurance. This study presents evidence on credit insurance purchase and debt protection decisions from a new survey. The findings provide little evidence of widespread or systematic coercion in purchases. Instead, findings suggest that risk aversion and ...
Finance and Economics Discussion Series , Paper 2017-122

Journal Article
Phishing and pharming: helping consumers avoid Internet fraud
Hicks, Dawn (2005-10)
The Federal Reserve Bank of Boston?s Consumer Regulation Outreach Group offers advice to Internet users on avoiding scams.
Communities and Banking , Issue Fall , Pages 28-31

Journal Article
Perspective: manufacturers should be liable when computer bugs leave consumers in the lurch
Banisar, David (2002-07-03)
Auto makers are responsible for the safety and reliability of their cars. So why shouldn't software makers be held responsible for buggy computer programs?
Regional Review , Volume 12 , Issue Q 3 , Pages 2-4

Working Paper
Sought or sold? Social embeddedness and consumer decisions in the mortgage market
Reid, Carolina (2010)
This research paper explores how mortgage market channels interacted with localized social networks to shape loan outcomes for historically disadvantaged borrowers. How did borrowers decide on their choice of lender? What loan products were they offered, and how knowledgeable were they about their loan terms? Were loans in lower-income and minority communities ?sold or sought?? To answer these questions, the paper relies on in-depth interviews, local data on mortgage lending and foreclosures, and analysis of the institutions and marketing practices in two communities that represent the two ...
Community Development Working Paper , Paper 2010-09

Journal Article
Revisions to Regulation M official staff commentary effective March 31, 1999
anonymous (1999-05)
Federal Reserve Bulletin , Issue May

Journal Article
Federal banking agencies allow privacy notices under existing Fair Credit Reporting Act
anonymous (2001-05)
Federal Reserve Bulletin , Issue May

Speech
Empowering communities, attracting development capital, and creating opportunities : a speech at the 2005 National Community Reinvestment Coalition Conference, Washington, D.C., March 18, 2005
Greenspan, Alan (2005)
Speech , Paper 80

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