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Journal Article
Recent developments in the credit card market and the financial obligations ratio
Johnson, Kathleen W. (2005-10)
This article argues that three important developments in the credit card market over the period account for most of the rise in credit card payments relative to income and played a strong role in the rise of the total financial obligations ratio (FOR). First, improvements in credit scoring technology and the advent of risk based pricing of credit card debt have increased the share of households particularly lower income households with a credit card. Second, in the 1990s, credit card interest rates began to vary with changes in broader market interest rates, which in turn led to an especially ...
Federal Reserve Bulletin , Volume 91 , Issue Aut

Journal Article
Recent financial behavior of households
Luckett, Charles A. (1980-06)
Federal Reserve Bulletin , Issue Jun , Pages 437-443

Speech
Address to the New College class of 2010
Dudley, William (2010)
Remarks at the New College of Florida 44th Annual Commencement, Sarasota, Florida.
Speech , Paper 23

Journal Article
Survey of consumer finances, 1983: a second report
Canner, Glenn B.; Elliehausen, Gregory E.; Gustafson, Thomas A.; Avery, Robert B. (1984-12)
Federal Reserve Bulletin , Issue Dec

Speech
The outlook, policy choices and our mandate
Dudley, William (2010)
Remarks at the at the Society of American Business Editors and Writers Fall Conference, City University of New York, Graduate School of Journalism, New York City.
Speech , Paper 30

Working Paper
Precautionary savings motives and tax efficiency of household portfolios: an empirical analysis
Amromin, Gene (2005)
Tax efficiency is the dominant consideration in theoretical portfolio models that allow for both taxable and tax-deferred accounts (TDAs). Investors are advised to locate higher-tax assets in their tax-deferred accounts, which in the Unites States commonly translates into "holding bonds inside TDAs and holding equities outside." Yet, observed portfolio allocations are not tax efficient. This paper empirically evaluates the predictions of a recent model designed to bridge the existing gap by explicitly incorporating uninsurable labor income risk and limited accessibility of TDA assets in ...
Finance and Economics Discussion Series , Paper 2005-01

Journal Article
Household wealth: has it recovered?
Gavin, William T. (2013)
Adjusting for inflation, population growth, and a risk-free real interest rate shows there is still a substantial gap between the peak of household wealth in 2007 and the level today.
Economic Synopses

Journal Article
Home equity and household income
Sengupta, Rajdeep; Noeth, Bryan J. (2012)
During 1995-2007, home equity increased more than gross income for high-, low- and middle-income groups.
Economic Synopses

Working Paper
Intermediated quantities and returns
Piguillem, Facundo; Prescott, Edward C.; Mehra, Rajnish (2007)
There is a large amount of intermediated borrowing and lending between households. Some of it is intergenerational, but most is between older households. The average difference in borrowing and lending rates is over 2 percent. In this paper, we develop a model economy that displays these facts and matches not only the returns on assets but also their quantities. The heterogeneity giving rise to borrowing and lending and differences in equity holdings depends on differences in the strength of the bequest motive. In equilibrium, the lenders are annuity holders and the borrowers are those who ...
Working Papers , Paper 655

Speech
Regional and national economic conditions
Dudley, William (2012)
Remarks before the Morris County Chamber of Commerce, Florham Park, New Jersey.
Speech , Paper 87

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