221 posts on "Household Finance"
April 17, 2013
Young Student Loan Borrowers Retreat from Housing and Auto Markets
Student loans have soared in popularity over the past decade, with the aggregate student loan balance, as measured in the FRBNY Consumer Credit Panel, reaching $966 billion at the end of 2012.
April 10, 2013
Foreclosures Loom Large in the Region
Households in the New York-northern New Jersey region were spared the worst of the housing bust and have generally experienced less financial stress than average over the past several years.
Posted at 7:00 am in Household Finance, Housing, New York, Recession, Regional Analysis | Permalink | Comments (1)
February 28, 2013
Just Released: Press Briefing on Household Debt and Credit
This morning, New York Fed director of research Jamie McAndrews joined Bank economists to brief the press on economic developments.
February 13, 2013
Underwater and Drowning? Some Facts about Mortgages that Could Be Targeted by Eminent Domain
Since the onset of the subprime crisis, many places across the United States have been affected by high levels of negative equity (meaning that borrowers owe more on their mortgages than their homes are worth), an associated flood of foreclosures, and loss of local wealth.
January 16, 2013
How Severe Was the Credit Cycle in the New York‑Northern New Jersey Region?
U.S. households accumulated record-high levels of debt in the 2000s, and then began a process of deleveraging following the Great Recession and financial crisis.
Posted at 7:00 am in Household Finance, Housing, New Jersey, New York, Regional Analysis | Permalink
November 26, 2012
Household Services Expenditures: An Update
This post updates and extends my July 2011 blog piece on household discretionary services expenditures.
November 5, 2012
Nudging Inflation Expectations: An Experiment
Managing consumers’ inflation expectations is of critical importance to central banks in the conduct of monetary policy.
August 29, 2012
Just Released: Has Household Deleveraging Continued?
Today’s release of the 2012Q2 Quarterly Report on Household Debt and Credit indicates a continuation of the downward trend in household debt, which followed a long period of substantial increases.
August 15, 2012
The Untold Story of Municipal Bond Defaults
In our recent post on the state and local sector, we argued that structural problems in state and local budgets were exacerbated by the recession and would likely restrain the sector’s growth for years to come.
June 4, 2012
Is the 2005 Bankruptcy Reform Working?
While the name of the Bankruptcy Abuse Prevention and Consumer Protection Act suggests two goals, BAPCPA seemed to be more about abuse prevention than consumer protection.
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