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Keywords:Home equity loans 

Journal Article
Home equity lending: evidence from recent surveys

Federal Reserve Bulletin , Issue Jul , Pages 571-583

Discussion Paper
Impending U.S. spending bust?: the role of housing wealth as borrowing collateral

Using data from the Panel Study of Income Dynamics, this paper considers the mechanism by which changing house values impact U.S. household spending. The results suggest that house values affect consumption by serving as collateral for households to borrow against to smooth their spending. The results show that the consumption of households who need to borrow against their home equity increases by roughly 11 cents per $1.00 increase in their housing wealth. Changing house values, however, have little effect on the expenditures of households who do not need to borrow to finance their ...
Public Policy Discussion Paper , Paper 09-9

Journal Article
Home equity and household income

During 1995-2007, home equity increased more than gross income for high-, low- and middle-income groups.
Economic Synopses

Journal Article
After the refinancing boom: will consumers scale back their spending?

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 However, a look at household assets and liabilities suggests that consumers have used the withdrawn funds to restructure their balance sheets and reduce their debt service burden.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

Journal Article
Recent developments in home equity lending

The equity that has accumulated in homes is one of the largest components of U.S. household wealth. In recent years, many homeowners have borrowed large amounts against that equity, frequently to finance new consumption expenditures or pay down outstanding consumer debt. In view of the growing importance of home equity credit in household finances, the Federal Reserve has for a number of years participated in nationwide surveys of the use of home equity loans. This article presents findings from a 1997 survey and from other sources of information on home equity lending.
Federal Reserve Bulletin , Volume 84 , Issue Apr

Journal Article
Consumer debt and home equity borrowing

Economic Perspectives , Volume 17 , Issue Mar , Pages 2-13

Journal Article
Adoption of final rule regarding home equity disclosures

Federal Reserve Bulletin , Issue Sep

Journal Article
States fight predatory lending in different ways

As the laws vary from state to state, so does their impact. In some states, the high-cost mortgage business appears to have shrunk. But in other states, the opposite has occurred.
The Regional Economist , Issue Jan , Pages 12-13

Journal Article
Mortgage refinancing

Federal Reserve Bulletin , Issue Aug

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