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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.
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.
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.
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.
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.
Discussion Paper
Access to Financial Services Matters to Small Businesses
This issue of Consumer & Community Context focuses on small businesses’ access to capital.
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.
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.
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.
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.