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Speech
Improving the measurement of inflation expectations
Potter, Simon M. (2012)
Remarks at the Barclays 16th Annual Global Inflation-Linked Conference, New York City.
Speech , Paper 84

Working Paper
Paying Too Much? Price Dispersion in the U.S. Mortgage Market
Bhutta, Neil; Fuster, Andreas; Hizmo, Aurel (2020-08-21)
We document wide dispersion in the mortgage rates that households pay on identical loans, and show that borrowers' financial sophistication is an important determinant of the rates obtained. We estimate a gap between the 10th and 90th percentile mortgage rate that borrowers with the same characteristics obtain for identical loans, in the same market, on the same day, of 54 basis points|equivalent to about $6,500 in upfront costs (points) for the average loan. Time-invariant lender attributes explain little of this rate dispersion, and considerable dispersion remains even within loan officer. ...
Finance and Economics Discussion Series , Paper 2020-062

Journal Article
Building Wealth Characters Get Animated
Community Development, Federal Reserve Bank of Dallas (2007)
When the Federal Reserve Bank of Dallas updated its popular print publication, Building Wealth: A Beginner's Guide to Securing Your Financial Future, it also produced a new animated, interactive CD-ROM version.
e-Perspectives , Volume 7 , Issue 1

Journal Article
Financial education: is it making a difference?
anonymous (2005-04)
Few would argue that the time is ripe for financial education in America as financial products and services are growing in diversity and complexity.
Community Reinvestment Forum , Issue Spr

Speech
Financial literacy: testimony before the Committee on Financial Services, U.S. House of Representatives, April 15, 2008
Braunstein, Sandra F. (2008)
Speech , Paper 381

Journal Article
Jumpstarting a new career
Hebert, Daniel (2003-10)
New Hampshire's young people are learning sound personal financial management skills. Leading the effort is Dan Hebert, who left a career in consumer lending to become president of the New Hampshire Jump$tart Coalition for Personal Financial Literacy.
Communities and Banking , Issue Fall , Pages 18-19

Journal Article
A discussion and display of innovations: the second annual Illinois asset-building conference
anonymous (2004-01)
The Second Annual Illinois Asset-Building Conference sponsored by the Federal Reserve Bank of Chicago and the Sargent Shriver National Center on Poverty Law (NCPL) was held on September 25 and 26, 2003. Approximately 100 individuals from various financial institutions, non-profit organizations, community groups, local and state policymakers, and institutions of higher learning attended the conference. Dory Rand, supervising attorney for community investment at Chicago-based NCPL, and coordinator of the statewide Financial Links for Low- Income People coalition, moderated the conference.
Profitwise , Issue Jan , Pages 10-11

Report
Inflation expectations and behavior: Do survey respondents act on their beliefs?
Armantier, Olivier; Zafar, Basit; Topa, Giorgio; Bruine de Bruin, Wändi; Van der Klaauw, Wilbert (2011)
We compare the inflation expectations reported by consumers in a survey with their behavior in a financially incentivized investment experiment designed such that future inflation affects payoffs. The inflation expectations survey is found to be informative in the sense that the beliefs reported by the respondents are correlated with their choices in the experiment. Furthermore, most respondents appear to act on their inflation expectations showing patterns consistent (both in direction and magnitude) with expected utility theory. Respondents whose behavior cannot be rationalized tend to be ...
Staff Reports , Paper 509

Journal Article
Consumer decisionmaking: insights from behavioral economics
Murdoch, James C.; Di, Wenhua (2010)
The increased complexity of the financial markets has made it difficult for consumers to choose products that best serve their interests. Behavioral economists explore consumers' psychological process in making decisions, such as immediate gratification, overconfidence, inertia or a lack of cognitive ability to understand the costs and benefits of financial services.
Banking and Community Perspectives , Issue 3

Journal Article
Ways to work: putting working families behind the wheel and heading toward a stronger financial future
Waldron, Tom (2007-05)
The demand for cars is strong in many areas of the country where public transportation fails to meet the needs of working families. Long commutes make it hard to get to work on time and take workers away from their families and homes. Using a Ways to Work loan to purchase a reliable vehicle makes it easier for workers to hold down a job, advance into better-paying jobs in different locations, or pursue additional education or training.
Profitwise , Issue May , Pages 11-13

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