| Working Paper |
File Downloads |
Abstract Views |
| Last month |
3 months |
12 months |
Total |
Last month |
3 months |
12 months |
Total |
| A Check‑In on the Mortgage Market |
0 |
2 |
2 |
2 |
0 |
7 |
8 |
8 |
| A Close Look at the Decline of Homeownership |
0 |
0 |
0 |
18 |
0 |
1 |
3 |
37 |
| A Monthly Peek into Americans’ Credit During the COVID-19 Pandemic |
0 |
0 |
0 |
45 |
0 |
0 |
2 |
153 |
| An Update on the Health of the U.S. Consumer |
0 |
0 |
1 |
1 |
0 |
0 |
1 |
3 |
| Auto Loan Delinquency Revs Up as Car Prices Stress Budgets |
0 |
0 |
0 |
4 |
0 |
0 |
0 |
3 |
| Balances Are on the Rise—So Who Is Taking on More Credit Card Debt? |
0 |
0 |
0 |
12 |
0 |
0 |
1 |
31 |
| Breaking Down Auto Loan Performance |
0 |
2 |
3 |
3 |
0 |
2 |
15 |
15 |
| COVID Response: The Municipal Liquidity Facility |
0 |
0 |
0 |
3 |
0 |
0 |
1 |
12 |
| Car Prices Drive Up Borrowing |
0 |
0 |
0 |
17 |
2 |
2 |
5 |
40 |
| Charging into Adulthood: Credit Cards and Young Consumers |
0 |
0 |
0 |
23 |
0 |
0 |
1 |
77 |
| Credit Card Balance Declines Are Largest Among Older, Wealthier Borrowers |
0 |
1 |
1 |
5 |
0 |
2 |
2 |
20 |
| Credit Card Delinquencies Continue to Rise—Who Is Missing Payments? |
0 |
0 |
0 |
7 |
2 |
4 |
6 |
13 |
| Credit Card Markets Head Back to Normal after Pandemic Pause |
0 |
0 |
0 |
4 |
1 |
2 |
2 |
11 |
| Credit Card Trends Begin to Normalize after Pandemic Paydown |
0 |
0 |
0 |
16 |
1 |
2 |
3 |
31 |
| Debt Relief and the CARES Act: Which Borrowers Benefit the Most? |
0 |
0 |
0 |
7 |
1 |
1 |
4 |
48 |
| Debt Relief and the CARES Act: Which Borrowers Face the Most Financial Strain? |
0 |
0 |
0 |
17 |
0 |
0 |
0 |
74 |
| Delinquency Is Increasingly in the Cards for Maxed‑Out Borrowers |
0 |
0 |
0 |
1 |
0 |
1 |
3 |
4 |
| Determinants of mortgage default and consumer credit use: the effects of foreclosure laws and foreclosure delays |
0 |
0 |
0 |
41 |
0 |
0 |
3 |
84 |
| Did Tax Reform Raise the Cost of Owning a Home? |
0 |
0 |
2 |
23 |
1 |
2 |
6 |
64 |
| Do Highways Matter? Evidence and Policy Implications of Highways' Influence on Metropolitan Development |
0 |
0 |
0 |
39 |
0 |
0 |
1 |
127 |
| Do People View Housing as a Good Investment and Why? |
0 |
0 |
0 |
16 |
1 |
1 |
2 |
31 |
| Do People View Housing as a Good Investment and Why? |
0 |
0 |
0 |
13 |
3 |
5 |
5 |
44 |
| Do we know what we owe? A comparison of borrower- and lender-reported consumer debt |
0 |
0 |
0 |
22 |
4 |
5 |
7 |
167 |
| Does the Rise in Housing Prices Suggest a Housing Bubble? |
0 |
0 |
2 |
34 |
1 |
2 |
5 |
66 |
| Elevated Rent Expectations Continue to Pressure Low-Income Households |
0 |
0 |
0 |
4 |
1 |
2 |
4 |
14 |
| Eviction Expectations in the Post-Pandemic Housing Market |
0 |
0 |
2 |
17 |
0 |
0 |
4 |
41 |
| Expected Home Price Increases Accelerate over the Short Term but Remain Stable over the Medium Term |
0 |
0 |
0 |
12 |
2 |
2 |
3 |
8 |
| Firms’ Management of Infrequent Shocks |
0 |
0 |
0 |
17 |
0 |
1 |
1 |
75 |
| Fiscal Drag from the State and Local Sector? |
0 |
0 |
0 |
5 |
0 |
1 |
1 |
17 |
| Fiscal Policies in Open Cities with Firms and Households |
0 |
0 |
0 |
104 |
1 |
2 |
2 |
425 |
| Following Borrowers through Forbearance |
0 |
0 |
0 |
39 |
0 |
1 |
1 |
69 |
| Forbearance Participation Declines as Programs’ End Nears |
0 |
0 |
0 |
2 |
0 |
1 |
1 |
17 |
| Grading Student Loans |
0 |
0 |
1 |
10 |
1 |
1 |
3 |
56 |
| Have Consumers Been Deleveraging? |
0 |
0 |
0 |
1 |
0 |
0 |
1 |
18 |
| Have Consumers Been Deleveraging? |
0 |
0 |
0 |
7 |
0 |
0 |
0 |
7 |
| Health spending slowed down in spite of the crisis |
0 |
0 |
0 |
40 |
3 |
3 |
4 |
128 |
| Helping State and Local Governments Stay Liquid |
0 |
0 |
0 |
18 |
0 |
1 |
1 |
52 |
| Historically Low Delinquency Rates Coming to an End |
0 |
0 |
2 |
11 |
0 |
0 |
3 |
26 |
| Household Borrowing in Historical Perspective |
0 |
0 |
0 |
17 |
0 |
0 |
1 |
18 |
| Houses as ATMs No Longer |
0 |
0 |
0 |
13 |
0 |
0 |
0 |
38 |
| How Are They Now? A Checkup on Homeowners Who Experienced Foreclosure |
0 |
0 |
1 |
2 |
4 |
4 |
6 |
10 |
| How Resilient Is the U.S. Housing Market Now? |
0 |
0 |
0 |
23 |
0 |
1 |
1 |
23 |
| How mortgage finance affects the urban landscape |
0 |
0 |
0 |
43 |
4 |
5 |
6 |
123 |
| How should suburbs help their central cities? |
0 |
0 |
0 |
93 |
0 |
1 |
3 |
308 |
| If Prices Fall, Mortgage Foreclosures Will Rise |
0 |
0 |
0 |
7 |
0 |
0 |
3 |
27 |
| Income Growth Outpaces Household Borrowing |
0 |
0 |
0 |
0 |
1 |
4 |
6 |
8 |
| Inequality in U.S. Homeownership Rates by Race and Ethnicity |
0 |
1 |
3 |
83 |
2 |
5 |
10 |
220 |
| Just Released: A Look at Borrowing, Repayment, and Bankruptcy Rates by Age |
0 |
0 |
0 |
16 |
2 |
3 |
3 |
16 |
| Just Released: Auto Lending Keeps Pace as Delinquencies Mount in Auto Finance Sector |
0 |
0 |
0 |
7 |
2 |
2 |
2 |
31 |
| Just Released: Auto Loans in High Gear |
0 |
0 |
0 |
8 |
1 |
2 |
3 |
42 |
| Just Released: Cleaning Up Collections |
0 |
0 |
0 |
0 |
2 |
2 |
3 |
15 |
| Just Released: Deleveraging Decelerates and Household Balances Increase |
0 |
0 |
0 |
8 |
1 |
3 |
3 |
11 |
| Just Released: Does Transportation Spending Make Good Stimulus? |
0 |
0 |
0 |
7 |
1 |
1 |
4 |
11 |
| Just Released: Great Recession’s Impact Lingers in Hardest-Hit Regions |
0 |
0 |
0 |
8 |
1 |
1 |
1 |
14 |
| Just Released: Hints of Increased Hardship in America’s Oil-Producing Counties |
0 |
0 |
0 |
14 |
1 |
1 |
2 |
15 |
| Just Released: Household Debt Balances Increase as Deleveraging Period Concludes |
0 |
0 |
0 |
1 |
0 |
0 |
1 |
9 |
| Just Released: Household Debt and Credit Developments in the Nation and the Region in 2011:Q1 |
0 |
0 |
0 |
0 |
0 |
1 |
4 |
11 |
| Just Released: Is Housing a Good Investment? Where You Stand Depends on Where You Sit |
0 |
0 |
0 |
17 |
0 |
1 |
2 |
48 |
| Just Released: Looking under the Hood of the Subprime Auto Lending Market |
0 |
0 |
0 |
20 |
0 |
0 |
2 |
15 |
| Just Released: More Credit Cards, Higher Limits, and... an Uptick in Delinquency |
0 |
0 |
0 |
20 |
1 |
1 |
2 |
27 |
| Just Released: Press Briefing on Student Loan Borrowing and Repayment Trends, 2015 |
0 |
1 |
1 |
14 |
0 |
2 |
5 |
52 |
| Just Released: Press Briefing on the Evolution and Future of Homeownership |
0 |
0 |
0 |
10 |
1 |
2 |
2 |
26 |
| Just Released: Recent Developments in Consumer Credit Card Borrowing |
0 |
0 |
0 |
17 |
2 |
2 |
7 |
37 |
| Just Released: Shifts in Credit Market Participation over Two Decades |
0 |
0 |
0 |
13 |
0 |
0 |
1 |
25 |
| Just Released: Student Loan Delinquency Rate Defies Overall Downward Trend in Household Debt and Credit Report for Fourth Quarter 2014 |
0 |
0 |
0 |
0 |
0 |
1 |
2 |
15 |
| Just Released: Subprime Auto Debt Grows Despite Rising Delinquencies |
0 |
0 |
0 |
11 |
2 |
3 |
4 |
25 |
| Just Released: Total Household Debt Nears 2008 Peak but Debt Picture Looks Much Different |
0 |
0 |
0 |
1 |
2 |
2 |
3 |
11 |
| Just Released: Who Is Driving the Auto Lending Recovery? |
0 |
0 |
0 |
0 |
0 |
0 |
1 |
10 |
| Just Released: Who's Borrowing Now? The Young and the Riskless! |
0 |
0 |
0 |
1 |
0 |
0 |
0 |
9 |
| Juvenile delinquent mortgages: bad credit or bad economy? |
0 |
0 |
0 |
56 |
0 |
0 |
1 |
361 |
| Keeping Borrowers Current in a Pandemic |
0 |
0 |
0 |
9 |
2 |
4 |
5 |
28 |
| Local Revenue Hills: A General Equilibrium Specification with Evidence from Four U.S. Cities |
0 |
0 |
0 |
69 |
0 |
0 |
1 |
527 |
| Local Revenue Hills: Evidence from Four U. S. Cities |
0 |
0 |
0 |
80 |
3 |
4 |
7 |
368 |
| Local Revenue Hills: Evidence from Four U.S. Cities |
0 |
0 |
0 |
121 |
2 |
3 |
4 |
578 |
| Looking at Student Loan Defaults through a Larger Window |
0 |
0 |
0 |
9 |
0 |
1 |
5 |
43 |
| Measuring student debt and its performance |
0 |
0 |
0 |
81 |
1 |
5 |
8 |
273 |
| Mind the Gap in Delinquency Rates |
0 |
0 |
0 |
11 |
0 |
1 |
1 |
16 |
| Mortgage Lock‑In Spurs Recent HELOC Demand |
0 |
0 |
0 |
3 |
1 |
2 |
3 |
12 |
| Mortgage Rate Lock‑In and Homeowners’ Moving Plans |
0 |
0 |
0 |
5 |
0 |
3 |
9 |
25 |
| Mortgage Rates Decline and (Prime) Households Take Advantage |
0 |
0 |
0 |
19 |
1 |
1 |
1 |
54 |
| Municipal Debt Markets and the COVID-19 Pandemic |
0 |
0 |
0 |
79 |
0 |
1 |
2 |
224 |
| Negative equity and housing investment |
0 |
0 |
0 |
28 |
1 |
1 |
4 |
78 |
| Neighborhood revitalization in New York City in the 1990s |
0 |
0 |
0 |
0 |
2 |
2 |
3 |
40 |
| Nonconforming Preferences: Jumbo Mortgage Lending and Large Bank Stress Tests |
1 |
1 |
1 |
5 |
1 |
4 |
4 |
8 |
| On the Optimal Design of Disaster Insurance in a Federation |
0 |
0 |
0 |
58 |
0 |
0 |
1 |
276 |
| On the Optimal Design of Disaster Insurance in a Federation |
0 |
0 |
0 |
24 |
2 |
4 |
6 |
180 |
| On the Optimal Design of Disaster Insurance in a Federation |
0 |
0 |
0 |
43 |
1 |
1 |
3 |
239 |
| Payback Time? Measuring Progress on Student Debt Repayment |
0 |
0 |
0 |
10 |
1 |
1 |
3 |
36 |
| Presentation by Andrew F. Haughwout at the 2024 New York Fed Regional and Community Banking Conference |
0 |
0 |
0 |
2 |
1 |
1 |
3 |
6 |
| Presentation by Andrew F. Haughwout at the Greater Valley Chamber of Commerce |
0 |
0 |
1 |
1 |
0 |
1 |
3 |
7 |
| Public infrastructure investments, productivity and welfare in fixed geographic areas |
0 |
0 |
0 |
443 |
0 |
1 |
1 |
955 |
| Puerto Rico's Evolving Household Debts |
0 |
0 |
1 |
4 |
1 |
1 |
3 |
49 |
| Racial Disparities in Student Loan Outcomes |
0 |
1 |
1 |
21 |
0 |
1 |
2 |
63 |
| Real estate investors, the leverage cycle, and the housing market crisis |
0 |
0 |
1 |
146 |
1 |
2 |
16 |
485 |
| Refinance Boom Winds Down |
0 |
0 |
0 |
4 |
2 |
5 |
7 |
16 |
| Restoring Economic Growth In Puerto Rico: Introduction to the Series |
0 |
0 |
0 |
1 |
1 |
1 |
1 |
17 |
| Second chances: subprime mortgage modification and re-default |
0 |
0 |
0 |
39 |
0 |
0 |
0 |
307 |
| Small Business Owners Turn to Personal Credit |
0 |
0 |
0 |
6 |
0 |
1 |
1 |
27 |
| Some Options for Addressing Puerto Rico’s Fiscal Problems |
0 |
0 |
0 |
2 |
2 |
2 |
3 |
16 |
| State and Local Fiscal Conditions, Public Wealth and Local Land Values |
0 |
0 |
0 |
4 |
1 |
2 |
3 |
17 |
| Student Loan Delinquencies Are Back, and Credit Scores Take a Tumble |
0 |
1 |
4 |
4 |
1 |
5 |
15 |
15 |
| Subprime mortgage pricing: the impact of race, ethnicity, and gender on the cost of borrowing |
0 |
0 |
0 |
103 |
3 |
3 |
3 |
313 |
| Supervising large, complex financial companies: what do supervisors do? |
0 |
0 |
0 |
16 |
3 |
3 |
6 |
72 |
| The Evolution of Home Equity Ownership |
0 |
0 |
0 |
9 |
0 |
3 |
4 |
17 |
| The Financial Crisis and the Role of Real Estate Investors |
0 |
0 |
0 |
0 |
0 |
0 |
3 |
274 |
| The Great Pandemic Mortgage Refinance Boom |
0 |
1 |
2 |
19 |
3 |
4 |
6 |
38 |
| The Homeownership Gap Is Finally Closing |
0 |
0 |
0 |
14 |
0 |
0 |
0 |
16 |
| The New York Fed Consumer Credit Panel: A Foundational CMD Data Set |
0 |
0 |
1 |
9 |
2 |
3 |
9 |
25 |
| The Option Value of Municipal Liquidity: Evidence from Federal Lending Cutoffs during COVID-19 |
0 |
0 |
1 |
8 |
2 |
3 |
8 |
30 |
| The Student Loan Landscape |
0 |
0 |
0 |
14 |
0 |
0 |
2 |
66 |
| The Untold Story of Municipal Bond Defaults |
1 |
1 |
2 |
61 |
2 |
4 |
13 |
139 |
| The financial crisis at the kitchen table: trends in household debt and credit |
0 |
0 |
0 |
71 |
2 |
2 |
4 |
252 |
| The homeownership gap |
0 |
0 |
0 |
25 |
0 |
1 |
1 |
121 |
| The linkage between regional economic indexes and tax bases: evidence from New York |
0 |
0 |
0 |
48 |
1 |
1 |
4 |
375 |
| The role of neighborhood characteristics in mortgage default risk: evidence from New York City |
0 |
0 |
1 |
33 |
2 |
2 |
8 |
143 |
| The supply side of the housing boom and bust of the 2000s |
0 |
0 |
1 |
60 |
1 |
1 |
3 |
145 |
| Tracking and stress-testing U.S. household leverage |
0 |
0 |
0 |
50 |
3 |
3 |
4 |
92 |
| Trends in household debt and credit |
0 |
0 |
1 |
45 |
1 |
2 |
7 |
110 |
| U.S. Consumer Debt Payments and Credit Buffers on the Eve of COVID-19 |
0 |
0 |
0 |
41 |
0 |
3 |
4 |
120 |
| What Happens during Mortgage Forbearance? |
0 |
0 |
1 |
12 |
0 |
2 |
10 |
61 |
| What’s Next for Forborne Borrowers? |
0 |
0 |
0 |
4 |
0 |
0 |
0 |
16 |
| Whither Mortgages? |
0 |
0 |
0 |
8 |
0 |
0 |
0 |
5 |
| Who Borrows for College—and Who Repays? |
0 |
0 |
2 |
3 |
2 |
2 |
6 |
22 |
| Who Has Been Evicted and Why? |
1 |
1 |
1 |
17 |
1 |
1 |
2 |
37 |
| Younger Borrowers Are Struggling with Credit Card and Auto Loan Payments |
0 |
0 |
2 |
16 |
2 |
5 |
9 |
21 |
| “Flip This House”: Investor Speculation and the Housing Bubble |
0 |
0 |
2 |
30 |
2 |
2 |
5 |
28 |
| Total Working Papers |
3 |
13 |
47 |
3,237 |
115 |
215 |
458 |
11,250 |
| Journal Article |
File Downloads |
Abstract Views |
| Last month |
3 months |
12 months |
Total |
Last month |
3 months |
12 months |
Total |
| Aggregate Production Functions, Interregional Equilibrium, and the Measurement of Infrastructure Productivity |
0 |
0 |
0 |
51 |
0 |
1 |
4 |
190 |
| Central city infrastructure investment and suburban house values |
0 |
0 |
0 |
64 |
0 |
1 |
2 |
252 |
| Determinants of Mortgage Default and Consumer Credit Use: The Effects of Foreclosure Laws and Foreclosure Delays |
0 |
1 |
1 |
15 |
1 |
3 |
4 |
66 |
| Do we know what we owe? Consumer debt as reported by borrowers and lenders |
0 |
0 |
0 |
12 |
1 |
1 |
2 |
98 |
| Exogenous shocks and the dynamics of city growth: evidence from New York |
0 |
0 |
0 |
24 |
0 |
0 |
3 |
127 |
| Fiscal policies in open cities with firms and households |
0 |
0 |
0 |
24 |
1 |
3 |
3 |
198 |
| Fiscal policy in New York and New Jersey: 1977-97 |
0 |
0 |
0 |
27 |
2 |
2 |
2 |
219 |
| Further Observations on the Economic Effects on New York City of the Attack on the World Trade Center |
0 |
0 |
0 |
22 |
2 |
3 |
7 |
97 |
| Has September 11 affected New York City's growth potential? |
0 |
0 |
0 |
69 |
0 |
1 |
3 |
518 |
| Infrastructure and social welfare in metropolitan America |
0 |
0 |
0 |
231 |
0 |
3 |
5 |
979 |
| Institutions, Tax Structure and State–Local Fiscal Stress |
0 |
0 |
0 |
13 |
0 |
2 |
2 |
52 |
| Juvenile delinquent mortgages: Bad credit or bad economy? |
0 |
0 |
1 |
41 |
1 |
1 |
4 |
288 |
| Land Use Regulation and Welfare |
1 |
1 |
10 |
75 |
3 |
5 |
19 |
234 |
| Local Revenue Hills: Evidence from Four U.S. Cities |
0 |
0 |
0 |
78 |
2 |
2 |
5 |
433 |
| MANAGEMENT OF LARGE CITY REGIONS: DESIGNING EFFICIENT METROPOLITAN FISCAL POLICIES* |
0 |
0 |
0 |
13 |
0 |
1 |
1 |
52 |
| New Estimates of the Impact of EDA Public Works Program Investments on County Labor Markets |
0 |
0 |
2 |
8 |
0 |
0 |
2 |
15 |
| On the optimal design of disaster insurance in a federation |
0 |
0 |
0 |
15 |
12 |
34 |
43 |
173 |
| Pathways After Default: What Happens to Distressed Mortgage Borrowers and Their Homes? |
0 |
0 |
0 |
8 |
1 |
1 |
6 |
69 |
| Property Taxation and Local Government Finance: Essays in honor of C. Lowell Harriss, 2001: Edited by Wallace Oates, Cambridge, MA: Lincoln Institute of Land Policy, 345 pp |
0 |
0 |
1 |
148 |
0 |
0 |
2 |
411 |
| Public infrastructure investments, productivity and welfare in fixed geographic areas |
0 |
0 |
1 |
146 |
2 |
6 |
13 |
395 |
| Regional Science, Regional Scientists, and Policy |
0 |
0 |
0 |
2 |
0 |
1 |
1 |
9 |
| Regional fiscal cooperation in metropolitan areas: An exploration |
0 |
0 |
0 |
0 |
1 |
1 |
2 |
77 |
| Revenue implications of New York City's tax system |
0 |
0 |
0 |
31 |
1 |
1 |
1 |
325 |
| Second Chances: Subprime Mortgage Modification and Redefault |
0 |
0 |
1 |
14 |
2 |
4 |
6 |
67 |
| Supervising large, complex financial institutions: what do supervisors do? |
0 |
0 |
0 |
17 |
0 |
2 |
4 |
98 |
| Tax Policy and the Fiscal Cost of Disasters: NY and 9/11 |
0 |
0 |
0 |
17 |
0 |
0 |
1 |
65 |
| The Economic Impacts of Terrorist Attacks – Edited by Harry W. Richardson, Peter Gordon and James E. Moore II |
0 |
0 |
0 |
28 |
0 |
0 |
0 |
88 |
| The Municipal Liquidity Facility |
0 |
0 |
0 |
1 |
1 |
1 |
5 |
19 |
| The financial crisis at the kitchen table: trends in household debt and credit |
0 |
0 |
0 |
89 |
1 |
2 |
5 |
366 |
| The homeownership gap |
0 |
0 |
0 |
39 |
1 |
1 |
2 |
190 |
| The price of land in the New York metropolitan area |
1 |
1 |
1 |
50 |
1 |
1 |
4 |
226 |
| The recession's impact on the state budgets of New York and New Jersey |
0 |
0 |
0 |
39 |
0 |
0 |
0 |
190 |
| The role of neighborhood characteristics in mortgage default risk: Evidence from New York City |
0 |
0 |
0 |
10 |
1 |
4 |
7 |
93 |
| Tracking and stress-testing U.S. household leverage |
0 |
0 |
0 |
11 |
1 |
2 |
5 |
172 |
| Using Regional Economic Indexes to Forecast Tax Bases: Evidence from New York |
0 |
0 |
2 |
118 |
1 |
3 |
7 |
396 |
| Total Journal Articles |
2 |
3 |
20 |
1,550 |
39 |
93 |
182 |
7,247 |
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