35 posts on "Consumer Credit Panel"
May 15, 2017
Do Credit Markets Watch the Waving Flag of Bankruptcy?
Paul Goldsmith-Pinkham explores how the lifting of bankruptcy flags affects borrowers’ credit scores and credit outcomes.
June 6, 2016
Is Health Insurance Good for Your Financial Health?
What is the purpose of health care? What is the purpose of health insurance? When people fall ill, they seek health care in order to get better. But insurance has a slightly different function: Its main role is not to protect our health per se, but to protect our finances. For most people, lifetime health expenditures are quite low. However, some people have enormous health costs owing to major illnesses or health conditions. And this is where health insurance comes in—its goal (like that of any other form of insurance) is to protect these individuals against large, and sometimes ruinous, health expenditures. Has the recent health reform served this purpose?
November 19, 2015
Just Released: New and Improved Charts and Data on Auto Loans
This analysis introduces an improved estimate of auto loan originations, some new charts, and some fresh data on the auto loan market based on New York Fed Consumer Credit Panel data.
Posted at 1:00 pm in Household Finance | Permalink
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.
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.
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