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Journal Article
After the refinancing boom: will consumers scale back their spending?
Peach, Richard; Al-Haschimi, Alex; McConnell, Margaret M. (2003-12)
Concerns are rising that the recent surge in home equity withdrawal has left consumers in a weakened financial position that will, over time, prompt a retrenchment in spending. However, a look at household assets and liabilities suggests that consumers have used the withdrawn funds to restructure their balance sheets and reduce their debt service burden. As a result, households may be in a better position to spend in the years ahead.
Current Issues in Economics and Finance , Volume 9 , Issue Dec

Working Paper
Vehicle ownership, vehicle acquisitions and the growth of auto leasing: evidence from consumer surveys
Starr-McCluer, Martha; Aizcorbe, Ana M. (1996)
This paper documents the basic features of data on motor vehicles from the Federal Reserve Board's Survey of Consumer Finances and the Bureau of Labor Statistics' Consumer Expenditure Survey. Despite some methodological differences between the two surveys, we find that they yield strikingly similar pictures of households' vehicle holdings. The survey data are also quite consistent with population estimates of vehicle stocks obtained from other sources. Finally, we document the growth of auto leasing by consumers, and find little evidence for the commonly-held view that liquidity constraints ...
Finance and Economics Discussion Series , Paper 96-35

Journal Article
Cash me out
Jossi, Frank (2003-09)
Record numbers seek debt relief through bankruptcy
Fedgazette , Volume 15 , Issue Sep , Pages 13-16

Journal Article
A (mild) defense of luxury
Twichell, James B. (2001-10-04)
Regional Review , Volume 11 , Issue Q 4 , Pages 12 - 23

Journal Article
The changing fortunes of American families in the 1980s
Bradbury, Katharine L. (1990-07)
After the recessions of 1980 and 1981-82, family income in the United States expanded through most of the 1980s. The decade brought gains in living standards to most families, but these gains were not distributed evenly; the rich grew richer but the poor grew poorer. This article examines shifts in the sources of family income and family work patterns between 1979 and 1988 in order to address the question: Why were the periods income gains so unevenly distributed? ; The first section describes the changes that occurred in the distribution of family income in the 1980s, and discusses some ...
New England Economic Review , Issue Jul , Pages 25-40

Journal Article
As household asset values rise, should we still worry about the saving rate?
Emmons, William R. (2006-07)
Although some data show that household wealth is rising, we shouldn't be complacent about the flip side of the coin-that personal saving is in a nosedive.
The Regional Economist , Issue Jul , Pages 10-11

Journal Article
1956 survey of consumer finances: consumer indebtedness
Johnson, Alfred P. (1956-07)
Federal Reserve Bulletin , Issue Jul

Journal Article
Effect of consumer characteristics on the use of payment instruments
Stavins, Joanna (2002-07-03)
Predictions about a cashless and checkless society have been made for many years, but retail payments transactions made with electronic payment instruments still constitute only a small fraction of all payments made in the United States. This is the case despite differences in cost and despite marketing and educational campaigns conducted by the Federal Reserve and other institutions. One of the reasons the cost differences have little effect is that the differences in cost among payment instruments typically are not evident to consumers, who are charged the same amount regardless of how they ...
New England Economic Review , Issue Q 3 , Pages 19-31

Working Paper
The choice at the checkout: quantifying demand across payment instruments
Kiser, Elizabeth K.; Borzekowski, Ron (2006)
Dramatic changes have occurred in the U.S. payment system over the past two decades, most notably an explosion in electronic card-based payments. Not surprisingly, this shift has been accompanied by a series of policy debates, all of which hinge critically on understanding consumer behavior at the point of sale. Using a new nationally representative survey, we transform consumers' responses to open-ended questions on reasons for using debit cards to estimate a characteristics-based discrete-choice demand model that includes debit cards, cash, checks, and credit cards. Market shares computed ...
Finance and Economics Discussion Series , Paper 2006-17

Journal Article
Recent changes in U. S. family finances: results from the 1998 Survey of Consumer Finances
Surette, Brian J.; Starr-McCluer, Martha; Kennickell, Arthur B. (2000-01)
Using data from the Federal Reserve Board's two most recent Surveys of Consumer Finances, this article provides a detailed picture of changes in the financial condition of U.S. families between 1995 and 1998. The financial situation of families changed notably in the three-year period. While income continued a moderate upward trend, net worth grew strongly, and the increase in net worth was broadly shared by different demographic groups. A booming stock market accounts for a substantial part of the rise in net worth, but the data also suggest that improvements in financial circumstances ...
Federal Reserve Bulletin , Issue Jan

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