218 posts on "Household Finance"
March 27, 2015
Just Released: SCE Credit Access Survey Shows Higher Likelihood of Consumers Applying for Credit
The Federal Reserve Bank of New York today released results from its February 2015, which provides information on consumers’ experiences with and expectations about credit demand and credit access.
March 5, 2015
From the Vault: Tracking Subprime Auto Loans
Recent news of banks scaling back on the issuance of car loans to borrowers with a weak credit history, coupled with recent media investigations into auto lending fraud, have drawn renewed attention to a surge in subprime auto lending.
February 23, 2015
Insolvency after the 2005 Bankruptcy Reform
Personal bankruptcy was introduced in the United States through the Bankruptcy Act of 1978.
February 20, 2015
Payback Time? Measuring Progress on Student Debt Repayment
Student debt continues to make headlines because of its high balances and high rates of delinquency and default—troubling issues that we discussed in our previous posts this week.
February 19, 2015
Looking at Student Loan Defaults through a Larger Window
An analysis of student loan borrower distress uncovers some new facts. First, cohort default rates appear to have been worsening over time, Second, defaults appear to be concentrated among the lowest-balance borrowers, who may not have completed their schooling, or may have earned credentials with lower payoffs than a four-year college degree. Finally, snapshots of delinquency and default rates miss the fact that many borrowers who are current today have had serious stress in the past.
February 18, 2015
The Student Loan Landscape
Student loans have recently attracted a huge amount of attention from the press and policymakers.
February 17, 2015
Just Released: Student Loan Delinquency Rate Defies Overall Downward Trend in Household Debt and Credit Report for Fourth Quarter 2014
Meta Brown, Andrew F. Haughwout, Donghoon Lee, Joelle Scally, and Wilbert van der Klaauw Today, the New York Fed released the Quarterly Report on Household Debt and Credit for the fourth quarter of 2014. The report is based on data from the New York Fed’s Consumer Credit Panel, a nationally representative sample drawn from anonymized […]
February 4, 2015
Household Formation within the “Boomerang Generation”
Young Americans’ living arrangements have changed strikingly over the past fifteen years, with recent cohorts entering the housing market at much lower rates and lingering much longer in their parents’ households.
December 19, 2014
Just Released: New Source for Perspective on Regional Household Debt and Credit
The New York Fed has released a new product—the Household Debt and Credit Report for the Second District—which tracks consumer credit conditions in the tri-state area.
November 25, 2014
Just Released: Household Debt Balances Increase as Deleveraging Period Concludes
Andrew F. Haughwout, Donghoon Lee, Joelle Scally, and Wilbert van der Klaauw The New York Fed released the Quarterly Report on Household Debt and Credit for the third quarter of 2014 today. Balances continued to rise slightly, with an overall increase of $78 billion. The aggregate household debt balance now stands at $11.71 trillion, up […]
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