Search Results
Which U.S. Households Have Credit Card Debt?
Households carrying credit card balances tend to be middle income, but the ratio of credit card debt to income is highest among those who earn the least.
Journal Article
Inflation Uncertainty among Eighth District Households
Survey data suggest that uncertainty about future inflation among Eighth District households rose during periods of significant change in monetary policy.
How Have Inflation Expectations Differed by State?
Inflation expectations were highest among people in Arkansas, Mississippi and Tennessee in the years following the end of the COVID-19 recession.
AI Hype or Reality? Shifts in Corporate Investment after ChatGPT
An analysis of earnings calls shows a sharp rise in AI-related chatter among U.S. corporate executives. But this increase doesn’t appear to be matched by a similar rise in capital and R&D spending.
Journal Article
Assets and Liabilities of Younger vs. Older Households
The balance sheets of US households have changed over the past seven decades, overall and for different age groups.
Can Earnings Calls Be Used to Gauge Labor Market Tightness?
An index that uses textual analysis of earnings calls to track labor issues appears to be highly correlated to one measure of labor market tightness.
Income Sources for the Highest- and Lowest-Earning Families
Average households' income sources vary based on how much they earn. The differences can affect how easily families can adjust their income to economic fluctuations.
How Much Can Households Gain and Lose with Unexpected Inflation?
This analysis looks at how the 2021-22 inflation shock affected households based on their exposure to nominal assets and nominal liabilities.
AI Optimism and Uncertainty: What Can Earnings Calls Tell Us Post-ChatGPT?
An analysis of earnings calls shows that America’s corporate leaders are talking much more about AI. It also reveals an increase in perceived risk in this new technology.
Journal Article
Developments in Household Liabilities Since the 1990s
The ratio of household liabilities to income increased from the mid 1990s to 2010, driven by an increase in the supply of loans that outpaced loan demand.