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Journal Article
After the refinancing boom: will consumers scale back their spending?
Peach, Richard; Al-Haschimi, Alex; McConnell, Margaret M. (2003-12)
Concerns are rising that the recent surge in home equity withdrawal has left consumers in a weakened financial position that will, over time, prompt a retrenchment in spending. However, a look at household assets and liabilities suggests that consumers have used the withdrawn funds to restructure their balance sheets and reduce their debt service burden. As a result, households may be in a better position to spend in the years ahead.
Current Issues in Economics and Finance , Volume 9 , Issue Dec

Report
The impact of housing markets on consumer debt: credit report evidence from 1999 to 2012
Zafar, Basit; Stein, Sarah; Brown, Meta (2013)
We investigate the impact of large swings in the housing market on nonmortgage borrowing, including student, credit card, auto, and home equity debts. For this purpose, we use CoreLogic geographic house price variation, matched with rich data on consumer liabilities from the Equifax-sourced FRBNY Consumer Credit Panel. The length and timing of our panel allow us to study the consumer debt portfolio response to house price changes during a boom-and-bust cycle of historic magnitude as well as during more ordinary times. In first-differenced instrumental variables estimation, we find that during ...
Staff Reports , Paper 617

Journal Article
Instalment credit expansion
anonymous (1963-05)
Federal Reserve Bulletin , Issue May

Journal Article
Cash me out
Jossi, Frank (2003-09)
Record numbers seek debt relief through bankruptcy
Fedgazette , Volume 15 , Issue Sep , Pages 13-16

Journal Article
1956 survey of consumer finances: consumer indebtedness
Johnson, Alfred P. (1956-07)
Federal Reserve Bulletin , Issue Jul

Working Paper
Moving to a job: The role of home equity, debt, and access to credit
Luengo-Prado, Maria Jose; Demyanyk, Yuliya; Hryshko, Dmytro; Sorensen, Bent E. (2013)
Using credit report data from two of the three major credit bureaus in the United States, we infer with high certainty whether households move to other labor markets defined by metropolitan areas. We estimate how moving patterns relate to labor market conditions, personal credit, and homeownership using panel regressions with fixed effects which control for all constant individual-specific traits. We interpret the patterns through simulations of a dynamic model of consumption, housing, and location choice. We find that homeowners with negative home equity move more than other homeowners, in ...
Working Papers (Old Series) , Paper 1305

Journal Article
Consumer credit regulation and banking conditions
anonymous (1941-09)
Federal Reserve Bulletin , Issue Sep , Pages 825-836

Discussion Paper
A panel discussion on dynamics in the consumer credit counseling service industry
Stanley, Anne; Burns, Peter (2001)
On July 20, 2001 the Payment Cards Center of the Federal Reserve Bank of Philadelphia sponsored a workshop on the consumer credit counseling service industry. Leading the moderated discussion were four senior executives from regional credit counseling firms associated with the National Foundation for Credit Counseling (NFCC). Jerome Johnson, president and CEO and Ghyll Theurer, program manager represented the Consumer Credit Counseling Service (CCCS) of South Jersey, a program of Family Service Association. James Godfrey, executive vice president, Consumer Credit Counseling Service (CCCS) of ...
Consumer Finance Institute discussion papers , Paper 01-04

Working Paper
Implications of Student Loan COVID-19 Pandemic Relief Measures for Families with Children
Isen, Adam; Goodman, Sarena; Mezza, Alvaro; Hannon, Simona (2023-05-05)
The initial years of the COVID-19 pandemic and the resulting economic fallout likely posed particular financial strain on U.S. households with children, who faced income disruptions from widespread jobs and hours cuts in addition to new childcare and instruction demands. One common expense for many such households is their student loan payment. The Coronavirus Aid, Relief, and Economic Security (CARES) Act included provisions to curb the impacts of these payments, which have been extended several times. These measures were not targeted and thus applied independent of need. This chapter ...
Finance and Economics Discussion Series , Paper 2023-025

Journal Article
Consumer instalment credit
anonymous (1967-03)
Federal Reserve Bulletin , Issue Mar , Pages 341-352

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