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Bank:Board of Governors of the Federal Reserve System (U.S.)  Series:Consumer & Community Context 

Discussion Paper
Growing Pains: Examining Small Business Access to Affordable Credit in Low-Income Areas

This third article examines small businesses’ access to financial services in low- and moderate-income communities.
Consumer & Community Context

Discussion Paper
Gender and Credit in 2020: Evidence from the Survey of Household Economics and Decisionmaking

The third notes that, in 2020, women were more likely to have credit card debt, to be denied or approved for less when they applied for credit products, and to put off applying for credit at higher rates than men.
Consumer & Community Context

Discussion Paper
A Survey of Separately Branded Online-Only Banks and Their Role in the Banking System

This second article explores the emergence of online-only subsidiaries of traditional brick-and-mortar banks.
Consumer & Community Context

Discussion Paper
Searching for Small Business Credit Online: What Prospective Borrowers Encounter on Fintech Lender Websites

This first article describes what small business owners encounter when searching for financing on the websites of online lenders.
Consumer & Community Context

Discussion Paper
"Rural Brain Drain": Examining Millennial Migration Patterns and Student Loan Debt

This second article considers the relationship between the amount of student loan debt individuals acquire and their decisions to live in rural or urban areas.
Consumer & Community Context

Discussion Paper
Access to Financial Services Matters to Small Businesses

This issue of Consumer & Community Context focuses on small businesses’ access to capital.
Consumer & Community Context

Discussion Paper
Single Mothers Have Little Wealth to Withstand Outsized COVID-19 Impact

The second shows that single mothers had slim financial cushions going into the COVID-19 recession and had higher unemployment rates during the recession than single fathers and women without children.
Consumer & Community Context

Discussion Paper
Household Finances under COVID-19: Evidence from the Survey of Household Economics and Decisionmaking

This first article looks at select results from the most recent Survey of Household Economics and Decisionmaking (SHED), originally fielded in October 2019, and from supplemental SHED surveys fielded in April and July 2020 to measure the economic impact of the pandemic.
Consumer & Community Context

Discussion Paper
Can Student Loan Debt Explain Low Homeownership Rates for Young Adults?

This first article explores the impact that rising student loan debt levels may have on homeownership rates among young adults.
Consumer & Community Context

Discussion Paper
The Pandemic’s Effects on Women-Owned Small Firms: Findings from the Small Business Credit Survey

the fourth concludes that businesses owned by women, and, in particular, by Black women, faced more financial and operational challenges during the pandemic and were less likely to receive financing than men-owned businesses.
Consumer & Community Context

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