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Keywords:Consumer credit 

Working Paper
The finances of American households in the past three recessions: evidence from the Survey of Consumer Finances

The downturn in economic activity in the U.S. that began in December 2007 (as determined by researchers with the National Bureau of Economic Research) has been noticeably deeper and has already lasted considerably longer than the prior two recessions--those beginning in July 1990 and in March 2001. In addition, a key difference between the current and the past two recessions is the extent to which consumer spending and residential investment have dropped since late 2007--that is, the extent to which the household sector appears to have "led" the drop in aggregate economic activity in this ...
Finance and Economics Discussion Series , Paper 2010-06

Working Paper
Benefits of relationship banking: evidence from consumer credit markets

This paper empirically examines the benefits of relationship banking to banks, in the context of consumer credit markets. Using a unique panel dataset that contains comprehensive information about the relationships between a large bank and its credit card customers, we estimate the effects of relationship banking on the customers' default, attrition, and utilization behavior. We find that relationship accounts exhibit lower probabilities of default and attrition, and have higher utilization rates, compared to non-relationship accounts, ceteris paribus. Such effects become more pronounced with ...
Working Paper Series , Paper WP-2010-05

Journal Article
A study of instalment credit terms

Federal Reserve Bulletin , Issue Dec , Pages 1442-1449

Journal Article
1951 survey of consumer finances: part V. distribution of debt and selected nonliquid assets of consumer spending units

Federal Reserve Bulletin , Issue Dec , Pages 1516-1526

Journal Article
1949 survey of consumer finances: part VI ownership of automobiles, stocks and bonds, and other nonliquid assets

Federal Reserve Bulletin , Issue Oct , Pages 1182-1197

Journal Article
Regulation of consumer credit

Federal Reserve Bulletin , Issue May

Working Paper
Impatience and credit behavior: evidence from a field experiment

This paper tests whether heterogeneity of time preferences can explain individual credit behavior. In a field experiment targeting individuals from low-to-moderate income households, we measure individual time preferences through choice experiments, and then match these time preference measures to individual credit reports and annual tax returns. ; We find that, controlling for disposable income and other individual characteristics, individuals who are less patient have lower credit scores and higher default rates. Moreover, people with dynamically inconsistent (quasi-hyperbolic) preferences ...
Working Papers , Paper 07-3

Journal Article
Credit risk and the provision of mortgages to lower-income and minority homebuyers

Federal Reserve Bulletin , Issue Nov , Pages 989-1016

Journal Article
Estimates of consumer instalment credit extended and repaid, 1929-1939

Federal Reserve Bulletin , Issue Jun

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