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Search Results

Showing results 1 to 10 of approximately 248.

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Keywords:Consumer credit 

Journal Article
Is the consumer overextended?

An evaluation of consumer spending and the part it plays in the expansion of the economy, with a discussion of the role of debt and assets as constraints on future spending.
Economic Commentary , Issue Nov

Journal Article
Federal Reserve : Information, please?

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

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

Federal Reserve Bulletin , Issue Nov , Pages 989-1016

Discussion Paper
Managing consumer credit risk

On July 31, 2001, the Payment Cards Center of the Federal Reserve Bank of Philadelphia hosted a workshop that examined current credit risk management practices in the consumer credit industry. The session was led by Jeffrey Bower, senior manager in KPMG Consulting?s financial services practice. Bower discussed "best practices" in the credit risk management field, including credit scoring, loss forecasting, and portfolio management. ; In addition, he provided an overview of developing new methodologies used by today's risk management professionals in underwriting consumer risk. This paper ...
Consumer Finance Institute discussion papers , Paper 01-03

Journal Article
A study of instalment credit terms

Federal Reserve Bulletin , Issue Dec , Pages 1442-1449

Journal Article
Sponsorship by the Federal Reserve of a statistical study of consumer finance

Federal Reserve Bulletin , Issue Aug

Journal Article
Consumer lending at commercial banks

Federal Reserve Bulletin , Issue May , Pages 263-272

Journal Article
What's in the file? The economics and law of consumer credit bureaus.

In "What's in the File? The Economics and Law of Consumer Credit Bureaus," author Bob Hunt points out that lenders in the United States have voluntarily shared information about their customers - through credit bureaus - for nearly a century. Hunt explains how sharing information about consumers' indebtedness and payment histories can benefit both consumers and lenders. These benefits depend, however, on the accuracy of the information reported and the care taken to ensure that information is disclosed only when appropriate. Hunt also describes the Fair Credit Reporting Act, which ...
Business Review , Issue Q2 , Pages 17-25

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
Recent developments in consumer credit and payments

On September 20-21, 2007, the Research Department and the Payment Cards Center of the Federal Reserve Bank of Philadelphia held their fourth joint conference to present and discuss the latest research on consumer credit payments. Approximately 75 participants attended the conference, which included six research papers on topics such as liquidity constraints, the rise in bankruptcy, and the financial mistakes made by credit card holders. In ?Recent Developments in Consumer Credit and Payments,? Mitchell Berlin summarizes the papers presented at the conference. ; Also issued as Payment Cards ...
Business Review , Issue Q1 , Pages 27-33



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anonymous 42 items

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