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Journal Article
Construction and real estate markets in 1947

Federal Reserve Bulletin , Issue Jun , Pages 635-646

Journal Article
Alternatives to Libor in consumer mortgages

Many adjustable rate mortgages in the United States are indexed to Libor. While the accuracy of this rate has recently been called into question, another issue affecting U.S. borrowers has become evident since the onset of the financial crisis. Specifically, many U.S. consumers with Libor-based loans may have been hit with substantially higher payments when their loans reset during the financial crisis than if those loans had been tied to a Treasury rate. We investigate several alternative reference rates for consumer loans and estimate their payment effects on a large sample of Libor-linked ...
Economic Commentary , Issue Oct

Conference Paper
Maintaining stability in a changing financial system: an introduction to the Bank's 2008 Economic Symposium

Proceedings - Economic Policy Symposium - Jackson Hole

Journal Article
Mortgage refinancing and the concentration of mortgage coupons

Because of the concentrated distribution of interest rates on outstanding mortgages, modest interest rate declines in 1997 and 1998 made refinancing a smart choice for a record number of homeowners. In addition, the strong economy and the age of mortgage loans likely contributed to the surge in refinancing activity.
Current Issues in Economics and Finance , Volume 5 , Issue Mar

Working Paper
Is there discrimination in mortgage pricing? the case of overages

We conduct an empirical investigation to explain observed differentials in mortgage overage pricing. Our analysis makes several contributions. First, we study an area of mortgage pricing that is little understood by consumers and has received little scrutiny in the literature. Second, we consider the impact of the market power of individual loan officers on overages paid by borrowers, particularly minorities. Third, we include a number of borrower and lender characteristics not available in previous analysis. ; Importantly, we introduce a new direct measure of the market power of individual ...
FRB Atlanta Working Paper , Paper 2001-4

Journal Article
Measuring pricing bias in mortgages

Detecting and measuring discrimination in the pricing of mortgage loans present unique challenges for bank regulators. This Commentary outlines how loans are priced in the mortgage market and the difficulties involved in comparing the prices charged to different borrowers.
Economic Commentary , Issue Aug

Housing and the economic recovery

Remarks at the New Jersey Bankers Association Economic Forum, Iselin, New Jersey.
Speech , Paper 73

Journal Article
Trends in mortgage delinquencies at New England banks

New England Banking Trends , Issue Sum , Pages 3-5

Journal Article
Statement to Congress, May 19, 1993 (comments on S. 924, the Home Ownership and Equity Protection Act of 1993)

Federal Reserve Bulletin , Issue Jul



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