Briefing
Digital, Financial, and Health Insurance Exclusion Experienced by Low-Income Households
Hayashi, Fumiko; Ruiz, Rebecca (2021-07-07)
Many low-income households are excluded from essential services such as home internet access, bank accounts, and health insurance coverage. We examine to what degree low-income households experience digital, financial, and health insurance exclusion and assess whether education and race are correlated with exclusion. We find that more than 10 percent of low-income households experienced multiple types of exclusion in 2019, with more pronounced results for households with lower educational attainment.
Payments System Research Briefing , Issue July 7, 2021 , Pages 9

Journal Article
Safe-Haven Performance in the Age of Bitcoin
Minhas, Sabrina; Rodziewicz, David; Ruiz, Rebecca; Maniff, Jesse Leigh (2020-04-15)
In past periods of financial stress, investors seeking “safe havens” have shifted toward government bonds and gold. In recent years, some have questioned whether Bitcoin could also serve as a safe haven. We compare the behavior of government bonds, gold, and Bitcoin from January 1995 through February 2020 and find that the 10-year Treasury note behaved like a safe haven consistently, gold occasionally, and Bitcoin never. During March 2020, however, none of the assets can be classified with confidence as a safe haven.
Economic Bulletin , Issue April 15, 2020 , Pages 4