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Keywords:Consumer credit 

Journal Article
Policy update : Interest rate on loans to soldiers capped

Econ Focus , Volume 11 , Issue Spr , Pages 8

Journal Article
Federal Reserve : Information, please?

Econ Focus , Volume 8 , Issue Spr , Pages 2-4

Journal Article
Estimating household debt service payments

Quarterly Review , Volume 11 , Issue Sum

Journal Article
Converging household debt ratios of four industrial countries

Quarterly Review , Volume 12 , Issue Win

Journal Article
Credit card balances-debt or convenience use?

Quarterly Review , Volume 10 , Issue Win , Pages 38-40

Report
Effects of household creditworthiness on mortgage refinancings

Using a unique loan level data set that links individual household credit ratings with property and loan characteristics, we test the extent to which homeowners' equity and credit ratings affect the likelihood that mortgage loans will be refinanced as interest rates fall. The logit model estimates strongly support the importance of both the equity and credit ratings affect the likelihood that mortgage loans will be refinanced as interest rates fall. The logit model estimates strongly support the importance of both the equity and credit variable. These results are interesting both from the ...
Research Paper , Paper 9622

Report
The channel of monetary transmission to demand: evidence from the market for automobile credit

In response to tight money, both consumer loans and consumption fall. In this paper, I ask whether there is any causality running from loans to consumption by focusing on hw the composition of automobile finance between bank and nonbank sources of credit changes in response to unanticipated innovations in monetary policy. The results indicate that contractionary monetary policy reduces the supply of bank consumer loans, which in turn produces a decline in real consumption. The evidence is therefore supportive of a credit channel theory of monetary transmission to aggregate consumption. ...
Research Paper , Paper 9625

Report
Does the household balance sheet affect durable goods expenditures?

Research Paper , Paper 9329

Report
Personal bankruptcy and credit market competition

The effect of credit market competition on borrower default is theoretically ambiguous, because the quantity of credit supplied may rise or fall following an increase in competition. We investigate empirically the relationship between credit market competition, lending to households, and personal bankruptcy rates in the United States. We exploit the exogenous variation in market contestability brought on by banking deregulation at the state level: after deregulation, banks faced the threat of entry into their state markets. We find that deregulation increased competition for borrowers, ...
Staff Reports , Paper 272

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Consumer credit 246 items

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