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Journal Article
Commercial bank activity in consumer instalment financing
Baird, Frieda (1947-03)
Federal Reserve Bulletin , Issue Mar , Pages 264-269

Journal Article
Consumer finance survey gives insights for policymakers
anonymous (2001-07)
Financial Update , Volume 14 , Issue Jul , Pages 4

Newsletter
How Similar Are Credit Scores Across Generations?
Rajan, Aastha; Mazumder, Bhashkar; Hartley, Daniel (2019)
With the rise in economic inequality in the United States in recent decades, there has been growing concern about whether there is a sufficient degree of equality of opportunity in our society. Policymakers and researchers alike often focus on studies of intergenerational mobility as a way of assessing opportunity. These studies typically analyze distinct aspects of socioeconomic status, such as income, education, occupational status, and health, and measure the association in these outcomes between parents and their adult children.1 If the association (level of similarity) is very high, then ...
Chicago Fed Letter

Working Paper
The effects of credit availability, nonbank competition, and tax reform on bank consumer lending
Duca, John V.; Garrett, Bonnie (1992)
Working Papers , Paper 9207

Discussion Paper
Meeting the demand for debt relief
Wilshusen, Stephanie M. (2011)
Each year, millions of financially distressed consumers in the U.S. face a difficult choice among the debt relief options available to them. This paper describes the options available to borrowers who seek assistance in managing their debts and discusses the information and incentive problems associated with these options. It also reviews the trends that contributed to the breakdown of the repayment framework and the responses to these trends. Among the responses is a reconsideration of the regulatory structure of the debt relief industry. The paper concludes with a discussion of the ...
Consumer Finance Institute discussion papers , Paper 11-04

Journal Article
Expansion in instalment credit
anonymous (1959-04)
Federal Reserve Bulletin , Issue Apr , Pages 347-352

Journal Article
1952 survey of consumer finances: part III. income, selected investments, and short-term debt of consumers
Schweiger, Irving; Frechtling, John (1952-09)
Federal Reserve Bulletin , Issue Sep

Journal Article
Decline in consumer credit
anonymous (1943-06)
Federal Reserve Bulletin , Issue Jun , Pages 485-491

Journal Article
1949 survey of consumer finances: part IV consumer ownership and use of liquid assets
Schweiger, Irving; Fauver, Clarke L. (1949-08)
Federal Reserve Bulletin , Issue Aug , Pages 896-911

Working Paper
Lending Standards and Borrowing Premia in Unsecured Credit Markets
Dempsey, Kyle; Ionescu, Felicia (2021-06-24)
Using administrative data from Y-14M and Equifax, we find evidence for large spreads in excess of those implied by default risk in the U.S. unsecured credit market. These borrowing premia vary widely by borrower risk and imply a nearly flat relationship between loan prices and repayment probabilities, at odds with existing theories. To close this gap, we incorporate supply frictions – a tractably specified form of lending standards – into a model of unsecured credit with aggregate shocks. Our model matches the empirical incidence of both risk and borrowing premia. Both the level and ...
Finance and Economics Discussion Series , Paper 2021-039

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