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Working Paper
Household Finance after a Natural Disaster: The Case of Hurricane Katrina
Hartley, Daniel; Gallagher, Justin
(2014-08-12)
Little is known about how affected residents are able to cope with the fi nancial shock of a natural disaster. We investigate the impact that flooding from a major US hurricane had on household finance. Spikes in credit card borrowing and overall delinquency rates for the most flooded residents are modest in size and short-lived. Greater flooding results in larger reductions in total debt. Lower debt levels appear to be driven by homeowners using flood insurance to repay their mortgages rather than to rebuild. Debt reductions are larger in census tracts where mortgages were likely to be ...
Working Papers (Old Series)
, Paper 1406
Working Paper
Prior Fraud Exposure and Precautionary Credit Market Behavior
Blascak, Nathan; Toh, Ying Lei
(2022-11-07)
We study how past experiences with privacy shocks affect individuals’ likelihood to take precautionary behavior when faced with a new privacy shock in the context of credit markets. We focus on experiences with identity theft and data breaches, two kinds of privacy shocks that either directly lead to fraud or put an individual at an elevated risk of experiencing fraud. We show that immediately after the announcement of the 2017 Equifax data breach, individuals with either kind of prior fraud exposure were more likely to freeze their credit report and close credit card accounts than ...
Research Working Paper
, Paper RWP 22-14
Discussion Paper
Financial management tools and consumer confidence: chase blueprint
Santucci, Lawrence
(2015-10-13)
On March 10, 2015, the Payment Cards Center hosted a workshop on the development and performance of Blueprint, a set of money management features developed by JPMorgan Chase & Co. (Chase) and available with several of Chase?s credit cards. The workshop featured presentations by Thomas O?Donnell, managing director of Chase Consumer and Community Banking Quality, and Florian Egg-Krings, general manager of the Slate and Blueprint portfolios. O?Donnell discussed the development of Blueprint, a process that began during the financial crisis and the Great Recession of 2007?2009. Egg-Krings then ...
Consumer Finance Institute discussion papers
, Paper 15-4
Working Paper
A New Look at the Effects of the Interest Rate Ceiling in Arkansas
Elliehausen, Gregory E.; Hannon, Simona; Miller, Jr., Thomas W.
(2023-05-05)
Arkansas has been a popular place to study the effects of rate ceilings because of its exceptionally low interest rate ceiling. This paper examines the effects of the Arkansas rate ceiling on credit use by nonprime consumers in Arkansas, who are especially vulnerable to credit rationing because of the low ceiling. We compare the level and composition of consumer debt of nonprime consumers in Arkansas with that of prime Arkansas consumers and also nonprime consumers in the neighboring states. We find that nonprime consumers in Arkansas are less likely to have consumer debt and, conditional on ...
Finance and Economics Discussion Series
, Paper 2021-045r1
Journal Article
The Welfare Cost of Business Cycles with Heterogeneous Trading Technologies
Chien, YiLi
(2015)
The author investigates the welfare cost of business cycles in an economy where households have heterogeneous trading technologies. In an economy with aggregate risk, the different portfolio choices induced by heterogeneous trading technologies lead to a larger consumption inequality in equilibrium, while this source of inequality vanishes in an economy without business cycles. Put simply, the heterogeneity in trading technologies amplifies the effect of aggregate output fluctuation on consumption inequality. The welfare cost of business cycles is, therefore, larger in such an economy. In the ...
Review
, Volume 97
, Issue 1
, Pages 67-85
Discussion Paper
Car Prices Drive Up Borrowing
Lee, Donghoon; Haughwout, Andrew F.; Scally, Joelle; Mangrum, Daniel; Van der Klaauw, Wilbert
(2022-02-08)
Total household debt increased substantially during the second year of the COVID-19 pandemic, with a $1.02 trillion increase in aggregate debt balances, according to the Quarterly Report on Household Debt and Credit for the fourth quarter of 2021 from the New York Fed’s Center for Microeconomic Data. The yearly increase was the largest seen since 2007 in nominal terms and was boosted by particularly robust growth in mortgage balances, which grew by nearly $900 billion through 2021. Credit card balances, which have followed an unusual path during the pandemic, saw a large seasonal increase ...
Liberty Street Economics
, Paper 20220208
Working Paper
Are Millennials Different?
Vine, Daniel J.; Li, Geng; Kurz, Christopher J.
(2018-11-28)
The economic wellbeing of the millennial generation, which entered its working-age years around the time of the 2007-09 recession, has received considerable attention from economists and the popular press. This chapter compares the socioeconomic and demographic characteristics of millennials with those of earlier generations and compares their income, saving, and consumption expenditures. Relative to members of earlier generations, millennials are more racially diverse, more educated, and more likely to have deferred marriage; these comparisons are continuations of longer-run trends in the ...
Finance and Economics Discussion Series
, Paper 2018-080
Discussion Paper
Following Borrowers through Forbearance
Haughwout, Andrew F.; Lee, Donghoon; Scally, Joelle; Van der Klaauw, Wilbert
(2020-11-17)
Today, the New York Fed’s Center for Microeconomic Data reported that total household debt balances increased slightly in the third quarter of 2020, according to the latest Quarterly Report on Household Debt and Credit. This increase marked a reversal from the modest decline in the second quarter of 2020, a downturn driven by a sharp contraction in credit card balances. In the third quarter, credit card balances declined again, even as consumer spending recovered somewhat; meanwhile, mortgage originations came in at a robust $1.049 trillion, the highest level since 2003. Many of the efforts ...
Liberty Street Economics
, Paper 20201117
Working Paper
Peers’ Income and Financial Distress: Evidence from Lottery Winners and Neighboring Bankruptcies
Agarwal, Sumit; Scholnick, Barry; Mikhed, Vyacheslav
(2018-10-24)
SUPRSEDES WP 18-16 We examine whether relative income differences among peers can generate financial distress. Using lottery winnings as plausibly exogenous variations in the relative income of peers, we find that the dollar magnitude of a lottery win of one neighbor increases subsequent borrowing and bankruptcies among other neighbors. We also examine which factors may mitigate lenders? bankruptcy risk in these neighborhoods. We show that bankruptcy filers obtain more secured but not unsecured debt, and lenders provide additional credit to low-risk but not high-risk debtors. In addition, we ...
Working Papers
, Paper 18-22
Report
How Consumers Get Cash: Evidence from a Diary Survey
Shy, Oz; Greene, Claire
(2020-04-01)
Most research on payment instruments focuses on how consumers pay or spend their money using a wide variety of payment instruments including cash. This report focuses on the inverse of the question of spending, that is, how do consumers obtain cash? Data from the 2017 Diary of Consumer Payment Choice shows that, over a three-day period, about 21 percent of survey respondents get cash via various methods, such as getting cash from a family member or friend, using an ATM, getting cash back at retail, visiting a bank teller, etc. We find that consumers mostly get cash from family and friends, ...
Consumer Payments Research Data Reports
, Paper 2019-1
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Target 1 items
Travel Costs 1 items
Trust 1 items
Trustworthiness 1 items
U.S. 1 items
U.S. consumer check use 1 items
U.S. currency in circulation 1 items
Unemployment insurance 1 items
Wealth 1 items
Wealth concentration 1 items
Wealth distribution 1 items
Wealth measurement 1 items
account graduation 1 items
asset inequality 1 items
auto debt 1 items
auto loan 1 items
bank account fees 1 items
banks 1 items
behavioral economics 1 items
benefits 1 items
beta 1 items
bill payments 1 items
buffer stock 1 items
cash and debit discount 1 items
cash flows 1 items
cash-out surcharge 1 items
central bank digital currencies 1 items
choice of payment cards 1 items
climate 1 items
collections 1 items
college 1 items
commuting zones 1 items
consumer expectations 1 items
consumer expenditures 1 items
consumer spending 1 items
consumption spending 1 items
contactless 1 items
credit bureau data 1 items
credit card fees 1 items
credit card puzzle 1 items
credit card surcharge 1 items
credit card utilization 1 items
credit demand 1 items
credit expansion 1 items
credit risks 1 items
credit score 1 items
crowdfunding 1 items
data 1 items
debt service ratio 1 items
decreasers 1 items
default rate 1 items
deposits 1 items
diaries 1 items
diary survey 1 items
digital payments 1 items
disaster insurance 1 items
discounts 1 items
economic development 1 items
economic hardship 1 items
economic mobility 1 items
emergency savings 1 items
employment 1 items
employment growth 1 items
end of draw 1 items
excess savings 1 items
extended fraud alert 1 items
externalities 1 items
fees by demographics 1 items
field experiment 1 items
financial behavior 1 items
financial decisionmaking 1 items
financial fragility 1 items
financial health 1 items
financial innovations 1 items
financial risk 1 items
financial statements 1 items
financial technology 1 items
fiscal policy 1 items
flood risk 1 items
floods 1 items
for-profit 1 items
for-profit schools 1 items
foreclosure 1 items
gamification 1 items
government saving 1 items
harmonization 1 items
home prices 1 items
household consumption 1 items
household credit 1 items
household information 1 items
household portfolios 1 items
housing activity 1 items
housing finance 1 items
income expectations 1 items
increasers 1 items
insolvency 1 items
intergenerational credit 1 items
intertemporal consumption 1 items
lasso selection methods 1 items
lending practices 1 items
life-cycle savings patterns 1 items
lifecycle models 1 items
local labor market conditions 1 items
location economics 1 items
low income 1 items
low- and moderate-income neighborhoods 1 items
machine learning 1 items
man-made disasters 1 items
market structure 1 items
medicare 1 items
merchant category 1 items
merit aid 1 items
minimum wages 1 items
mobile payments 1 items
mobility 1 items
monetary policy transmission 1 items
money 1 items
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