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Journal Article
Nonprime mortgage woes: how we got there, where to go next

The Regional Economist , Issue Oct , Pages 3

Journal Article
A regional look at the role of house prices and labor market conditions in mortgage default

A linear fixed effects statistical model is used to study variations in foreclosure rates across metropolitan statistical areas in the Fifth Federal Reserve District. We find that variations in local labor market conditions and house prices do a remarkable job of capturing variation in foreclosure rates. We study the regional variation in foreclosure rates in more detail by examining two localities in our district: Prince William County, Virginia, and Charlotte, North Carolina. Finally, the model is used to provide forecasts of foreclosure rates conditioned on possible paths of labor market ...
Economic Quarterly , Volume 97 , Issue 1Q , Pages 1-43

Journal Article
How severe was the credit cycle in the New York-northern New Jersey region?

U.S. households accumulated record-high levels of debt in the 2000s and then began a process of deleveraging following the Great Recession and financial crisis. However, the magnitude of these swings in the use of credit varied considerably within the United States. An analysis of trends in household debt over the past decade shows that compared with the nation as a whole, the New York?northern New Jersey region experienced a relatively mild "credit cycle," although pockets of financial stress exist.
Current Issues in Economics and Finance , Volume 18 , Issue Nov

Journal Article
Repairing the damage

TEN , Issue Spr , Pages 20-27

Journal Article
Home equity lending: boon or bane?

FRBSF Economic Letter

Journal Article
The financial crisis at the kitchen table: trends in household debt and credit

Since the onset of the financial crisis, households have reduced their outstanding debt by about $1.3 trillion. While part of this reduction stemmed from a historic increase in consumer defaults and lender charge-offs, particularly on mortgage debt, other factors were also at play. An analysis of the New York Fed?s Consumer Credit Panel?a rich new data set on individual credit accounts?reveals that households actively reduced their obligations during this period by paying down their current debts and reducing new borrowing. These household choices, along with banks? stricter lending ...
Current Issues in Economics and Finance , Volume 19 , Issue April

Conference Paper
Commentary: the subprime turmoil: what's old, what's new, and what's next

Proceedings - Economic Policy Symposium - Jackson Hole

Journal Article
Nontraditional mortgage guidance

Community Investments , Volume 18 , Issue Dec

Journal Article
Around the Fed : Righting what went wrong

Related links :
Econ Focus , Volume 14 , Issue 2Q , Pages 11

Journal Article
Rooting out discrimination in home mortgage lending

An argument that racial discrimination in the home mortgage market arises not only from bigotry, but from statistical discrimination (wherein race is correlated with some hard-to-measure determinants of creditworthiness) and from a lack of cultural affinity between lenders and minorities. The author argues that each of these causes may require a different remedy.
Economic Commentary , Issue Nov



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