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4 posts on "household credit"
February 27, 2023

Does the CRA Increase Household Access to Credit?

Erica Bucchieri, Jacob Conway, Jack Glaser, and Matthew Plosser

Illustration: bank building with arrow pointing toward row of community houses. Question below: Is household borrowing impacted?

Congress passed the Community Reinvestment Act (CRA) in 1977 to encourage banks to meet the needs of borrowers in the areas in which they operate. In particular, the Act is focused on credit access to low- and moderate-income communities that had historically been subject to discriminatory practices like redlining.

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Posted at 7:00 am in Banks, Credit, Equitable Growth, Inequality, Regulation | Permalink | Comments (2)
May 19, 2021

What’s Next for Forborne Borrowers?

Andrew Haughwout, Donghoon Lee, Joelle Scally, and Wilbert van der Klaauw

We’ve spent the first three posts of this series discussing who has entered mortgage forbearance, and how their personal finances have developed during the course of the pandemic. In this fourth and final post, we will use Consumer Credit Panel (CCP) data to examine the profiles of those who remain in forbearance and those who have exited, and how the performance of household credit may evolve as the force of the pandemic begins to ebb and the economy reopens and normalizes.

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Posted at 11:48 am in Pandemic | Permalink
May 14, 2019

Just Released: Shifts in Credit Market Participation over Two Decades

Andrew F. Haughwout, Donghoon Lee, Joelle Scally, and Wilbert van der Klaauw

Liberty Street Economics authors draw on the New York Fed’s Consumer Credit Panel to explore longer-term trends in credit market participation.

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Posted at 11:01 am in Credit, Household Finance | Permalink
May 14, 2013

Just Released: The Geography of Student Debt

This morning, the New York Fed released its Quarterly Report on Household Debt and Credit for 2013 Q1.

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Posted at 11:15 am in Household Finance, Regional Analysis, Student Loans | Permalink | Comments (3)

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Liberty Street Economics features insight and analysis from New York Fed economists working at the intersection of research and policy. Launched in 2011, the blog takes its name from the Bank’s headquarters at 33 Liberty Street in Manhattan’s Financial District.

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Most Read this Year

  1. Credit Card Delinquencies Continue to Rise—Who Is Missing Payments?
  2. Delinquency Is Increasingly in the Cards for Maxed-Out Borrowers
  3. Spending Down Pandemic Savings Is an “Only-in-the-U.S.” Phenomenon
  4. Auto Loan Delinquency Revs Up as Car Prices Stress Budgets
  5. Borrower Expectations for the Return of Student Loan Repayment
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