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Discussion Paper
Just Released: Hints of Increased Hardship in America’s Oil-Producing Counties

Today, the New York Fed released the Quarterly Report on Household Debt and Credit for the first quarter of 2016. Overall debt saw one of its larger increases since deleveraging ended, while delinquency rates for the United States continued to improve and remain at very low levels. Although the overall picture of Americans? liabilities has continued to improve since the financial crisis, we wondered what the variation looks like at local levels. One advantage of our Consumer Credit Panel (CCP), which is based on Equifax credit data, is that we can examine geographic variation in debt and ...
Liberty Street Economics , Paper 20160524

Journal Article
Are we experiencing a credit crunch?

In his statement before the Subcommittee on Domestic Monetary Policy of the Committee on Banking, Finance and Urban Affairs on the availability of credit, Bank President Richard F. Syron discusses the "credit crunch." He describes how developments in the financial and real sectors of the economy led to restricted credit availability, and why the situation has become particularly acute in New England. ; Mr. Syron concludes by considering the outlook for the future, cautioning against making the 1990s a period of excessive credit contraction, a mirror image of the mid 1980s when ...
New England Economic Review , Issue Jul , Pages 3-10

Journal Article
Real estate and the credit crunch: an overview

In the late 1980s, declining real estate values led to an increase in nonperforming loans, which forced the shrinkage or failure of many banks. Has a "credit crunch" resulted, as many small business representatives insist? This article offers an overview of the Federal Reserve Bank of Bostons 1992 economic conference, which examined the crisis. The first sessions explored the causes of the sharp fluctuations in real estate values and construction activity, and the significance of economic fundamentals, tax and regulatory policy, and speculation. The next two sessions dealt with the ...
New England Economic Review , Issue Nov , Pages 25-36

Journal Article
Credit card borrowing, delinquency, and personal bankruptcy

Credit card delinquencies and personal bankruptcy rates increased during the mid 1990s, despite the strength of the U.S. economy. Even though per capita income rose during that period, household borrowing grew at an even faster pace. The rise in revolving debt-mainly credit card loans-was especially noticeable, and the increase in personal bankruptcy rates was also substantial. This article examines the relationship between consumer credit card borrowing, delinquency rates, and personal bankruptcies. The author looks at developments involving borrowers, the demand side, and lenders, the ...
New England Economic Review , Issue Jul , Pages 15-30

Working Paper
Forgive and forget: who gets credit after bankruptcy and why?

Conventional wisdom about individuals who have gone bankrupt is that they find it very difficult to get credit for at least some time after their bankruptcy. However, there is very little non-survey based empirical evidence on the availability of credit post-bankruptcy. This paper makes two contributions using data from one of the largest credit bureaus in the US. First, we show that individuals who file for bankruptcy can indeed get credit very quickly after they file. Indeed, 90% of individuals have access to some sort of credit within the 18 months after filing for bankruptcy, and 66% have ...
Supervisory Research and Analysis Working Papers , Paper QAU09-2

Journal Article
After the credit crunch

Regional Review , Issue Fall , Pages 14-18

Journal Article
Has widespread use of credit cards contributed to the increase in personal bankruptcy?

Regional Review , Issue Q4 2000 / Q1 2001 , Pages 4-7

Preparing for a smooth (eventual) exit

Remarks at the National Association for Business Economics Policy Conference, Arlington, Virginia
Speech , Paper 17

What the Fed did and why

Remarks at the Westchester County Bankers Association, Tarrytown, New York.
Speech , Paper 27

Reflections on the TALF and the Federal Reserve's role as liquidity provider

Remarks at the New York Association for Business Economics, New York City.
Speech , Paper 26



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