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Discussion Paper
An Overview of Credit-Building Products
Bruce, Alexander; Hannon, Simona (2024-12-06)
Credit-building products are secured small-dollar products that allow consumers to either establish or improve their credit scores by having lenders report their payment activity to credit bureaus. Examples include secured credit cards or loan products such as credit-builder and passbook loans.
FEDS Notes , Paper 2024-12-06-2

Discussion Paper
Why is the Default Rate So Low? How Economic Conditions and Public Policies Have Shaped Mortgage and Auto Delinquencies During the COVID-19 Pandemic
Dettling, Lisa J.; Lambie-Hanson, Lauren (2021-03-04)
Delinquencies and defaults on household debt typically closely follow the business cycle. As economic conditions deteriorate, falling employment and incomes put a strain on family finances, leading to a rise in missed debt payments and defaults. Yet, against the backdrop of a historic rise in unemployment associated with the COVID-19 pandemic, delinquencies have fallen. This FEDS Note documents trends in delinquency on mortgages and auto loans during the COVID-19 pandemic, and unpacks how changes in economic conditions and public policies have been associated with borrowers’ debt repayment ...
FEDS Notes , Paper 2021-03-04-2

Discussion Paper
The Branch Puzzle : Why Are there Still Bank Branches?
Grundl, Serafin J.; Anenberg, Elliot; Moore, Kevin B.; Windle, Richard; Chang, Andrew C. (2018-08-20)
We provide evidence that the persistence of the large number of local bank branches across the country may be due to the fact that both depositors and small businesses continue to value local bank branches.
FEDS Notes , Paper 2018-08-20

Discussion Paper
How Do Trade Disruptions Affect Inflation?
Cuba-Borda, Pablo A.; Queraltó, Albert; Reyes-Heroles, Ricardo M.; Scaramucci, Mikaël (2025-02-28)
To quantify the effects of trade disruptions on inflation, we construct a measure of bilateral trade costs for a panel of 41 countries using annual data from 1995 through 2020. We then estimate an empirical model linking changes in trade costs to inflation.
FEDS Notes , Paper 2025-02-28-1

Discussion Paper
The U.S. Syndicated Term Loan Market: Who Holds What and When?
Lee, Seung Jung; Li, Dan; Meisenzahl, Ralf R.; Sicilian, Martin (2019-11-25)
This note looks carefully at the transition of ownership of syndicated term loans immediately after a deal is launched based on the Shared National Credit data.
FEDS Notes , Paper 2019-11-25

Discussion Paper
Developments in the Credit Score Distribution over 2020
Goodman, Sarena; Li, Geng; Mezza, Alvaro; Nathe, Lucas (2021-04-30)
The distribution of household credit risk can vary with aggregate economic and credit conditions. For example, the share of subprime-scored borrowers declined at a relatively steady pace during the economic recovery from the Global Financial Crisis. Although the COVID-19 pandemic interrupted the economic conditions that supported this trend, the pace of decline accelerated following the pandemic’s onset in March 2020. The analysis that follows suggests that this acceleration was largely driven by the Coronavirus Aid, Relief, and Economic Security Act’s (CARES Act) forbearance provisions.
FEDS Notes , Paper 2021-04-30

Discussion Paper
Credibility of Optimal Forward Guidance at the Interest Rate Lower Bound
Nakata, Taisuke (2015-08-27)
Market participants and other analysts generally expect that the federal funds rate will rise from its effective lower bound (ELB) later this year. However, the ELB could again become a binding constraint on monetary policy in the future.
FEDS Notes , Paper 2015-08-27

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