226 posts on "Household Finance"
October 19, 2015
Reframing the Debate about Payday Lending
Except for the ten to twelve million people who use them every year, just about everybody hates payday loans.
August 31, 2015
August 24, 2015
Rethinking Mortgage Design
John Campbell, Andreas Fuster, David O. Lucca, Stijn Van Nieuwerburgh, and James Vickery Because mortgages make up the majority of household debt in most developed countries, mortgage design has important implications for macroeconomic policy and household welfare. As one example, most U.S. mortgages have fixed interest rates—if interest rates fall, existing borrowers need to refinance […]
August 13, 2015
Just Released: Releveraging the Consumer Credit Panel with Two New Charts
Andrew Haughwout, Donghoon Lee, Joelle Scally, and Wilbert van der Klaauw Our Consumer Credit Panel, which is based on data from the Equifax credit reporting agency, first arrived at the New York Fed in 2009, and our very first Quarterly Report on Household Debt and Credit was published in August 2010, five years ago this month. We’ve continued […]
July 8, 2015
How Sensitive Is Housing Demand to Down Payment Requirements and Mortgage Rates?
When a household is looking to buy a home, financial considerations are usually very important.
May 28, 2015
Just Released: 2015 SCE Housing Survey Shows Households Optimistic about Housing Market
The Federal Reserve Bank of New York today released results from its 2015 SCE Housing Survey.
May 12, 2015
Just Released: Mortgage Borrowing among Most Creditworthy Abates
Today’s release of the New York Fed’s Quarterly Report on Household Debt and Credit for the first quarter of 2015 reports a flattening in household debt balances.
April 16, 2015
Just Released: Press Briefing on Student Loan Borrowing and Repayment Trends, 2015
This morning, Jamie McAndrews, the Director of Research at the Federal Reserve Bank of New York, spoke to the press about the economic recovery, and his speech was followed by a special briefing by New York Fed economists on student loans. Here, we provide a short summary of the student loan briefing.
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.
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