| Working Paper |
File Downloads |
Abstract Views |
| Last month |
3 months |
12 months |
Total |
Last month |
3 months |
12 months |
Total |
| A Better Measure of First-Time Homebuyers |
0 |
0 |
0 |
15 |
1 |
1 |
3 |
14 |
| A Monthly Peek into Americans’ Credit During the COVID-19 Pandemic |
1 |
5 |
16 |
37 |
3 |
12 |
44 |
117 |
| A New Look at Second Liens |
0 |
0 |
0 |
9 |
0 |
0 |
4 |
89 |
| A new look at second liens |
0 |
0 |
0 |
11 |
0 |
0 |
3 |
63 |
| Accounting for Wage and Employment Changes in the U. S. from 1968-2000: A Dynamic Model of Labor Market Equilibrium |
0 |
0 |
0 |
180 |
0 |
0 |
2 |
721 |
| Accounting for Wage and Employment Changes in the U.S. from 1968-2000: A Dynamic Model of Labor Market Equilibrium |
0 |
0 |
0 |
117 |
0 |
0 |
1 |
292 |
| An introduction to the FRBNY Consumer Credit Panel |
1 |
1 |
1 |
73 |
2 |
2 |
6 |
324 |
| Car Prices Drive Up Borrowing |
0 |
1 |
14 |
14 |
2 |
4 |
27 |
27 |
| Charging into Adulthood: Credit Cards and Young Consumers |
0 |
0 |
1 |
23 |
0 |
1 |
11 |
62 |
| Credit Card Balance Declines Are Largest Among Older, Wealthier Borrowers |
0 |
1 |
2 |
3 |
0 |
1 |
2 |
11 |
| Credit Card Trends Begin to Normalize after Pandemic Paydown |
0 |
0 |
13 |
13 |
1 |
3 |
17 |
17 |
| Debt Relief and the CARES Act: Which Borrowers Benefit the Most? |
0 |
0 |
1 |
5 |
0 |
0 |
18 |
32 |
| Debt Relief and the CARES Act: Which Borrowers Face the Most Financial Strain? |
0 |
0 |
0 |
17 |
1 |
1 |
5 |
71 |
| Debt-for-Opportunity? Student Loans and Economic Mobility |
0 |
0 |
2 |
45 |
0 |
0 |
7 |
141 |
| Do we know what we owe? A comparison of borrower- and lender-reported consumer debt |
0 |
0 |
1 |
20 |
0 |
2 |
7 |
146 |
| Echoes of rising tuition in students’ borrowing, educational attainment, and homeownership in post-recession America |
0 |
0 |
1 |
26 |
0 |
1 |
8 |
82 |
| Estimating a General Equilibrium Model of Intersectoral Mobility with Aggregate Shocks |
0 |
0 |
1 |
88 |
0 |
1 |
7 |
237 |
| First-Time Buyers Were Undeterred by Rapid Home Price Appreciation in 2021 |
0 |
0 |
2 |
2 |
0 |
1 |
4 |
4 |
| Following Borrowers through Forbearance |
1 |
1 |
2 |
36 |
2 |
4 |
10 |
62 |
| Forbearance Participation Declines as Programs’ End Nears |
0 |
0 |
0 |
1 |
0 |
0 |
5 |
13 |
| Grading Student Loans |
0 |
0 |
3 |
5 |
1 |
3 |
19 |
41 |
| Have Consumers Been Deleveraging? |
0 |
0 |
0 |
7 |
0 |
0 |
3 |
6 |
| Have Consumers Been Deleveraging? |
0 |
1 |
1 |
1 |
2 |
4 |
9 |
16 |
| Historically Low Delinquency Rates Coming to an End |
1 |
2 |
2 |
2 |
2 |
7 |
7 |
7 |
| Household Borrowing in Historical Perspective |
0 |
0 |
0 |
16 |
0 |
0 |
1 |
14 |
| Household Debt and Saving During the 2007 Recession |
0 |
0 |
0 |
23 |
0 |
0 |
2 |
136 |
| Household Formation within the “Boomerang Generation” |
0 |
2 |
6 |
17 |
1 |
4 |
27 |
65 |
| Household debt and saving during the 2007 recession |
0 |
0 |
0 |
64 |
0 |
0 |
2 |
167 |
| How COVID-19 Affected First-Time Homebuyers |
0 |
0 |
8 |
28 |
2 |
3 |
31 |
75 |
| Increasing idiosyncratic risk and converging gender differentials in the labor market |
0 |
0 |
0 |
6 |
0 |
0 |
1 |
51 |
| Inequality in U.S. Homeownership Rates by Race and Ethnicity |
2 |
5 |
24 |
57 |
7 |
13 |
67 |
152 |
| Intermediation Frictions in Debt Relief: Evidence from CARES Act Forbearance |
0 |
0 |
2 |
2 |
0 |
1 |
4 |
4 |
| Intermediation Frictions in Debt Relief: Evidence from CARES Act Forbearance |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
| Intersectoral Labor Mobility and the Growth of the Service Sector |
1 |
3 |
6 |
534 |
1 |
5 |
21 |
1,364 |
| Just Released: A Look at Borrowing, Repayment, and Bankruptcy Rates by Age |
0 |
0 |
1 |
15 |
1 |
1 |
2 |
11 |
| Just Released: Auto Lending Keeps Pace as Delinquencies Mount in Auto Finance Sector |
0 |
0 |
2 |
7 |
1 |
2 |
9 |
26 |
| Just Released: Auto Loans in High Gear |
0 |
0 |
3 |
7 |
1 |
3 |
16 |
33 |
| Just Released: Cleaning Up Collections |
0 |
0 |
0 |
0 |
0 |
0 |
4 |
9 |
| Just Released: Deleveraging Decelerates and Household Balances Increase |
0 |
0 |
0 |
8 |
0 |
0 |
4 |
6 |
| Just Released: Great Recession’s Impact Lingers in Hardest-Hit Regions |
0 |
0 |
0 |
8 |
0 |
1 |
6 |
13 |
| Just Released: Hints of Increased Hardship in America’s Oil-Producing Counties |
0 |
0 |
1 |
12 |
0 |
0 |
3 |
11 |
| Just Released: Household Debt Balances Increase as Deleveraging Period Concludes |
0 |
0 |
0 |
1 |
0 |
0 |
3 |
6 |
| Just Released: Household Debt and Credit Developments in the Nation and the Region in 2011:Q1 |
0 |
0 |
0 |
0 |
0 |
0 |
4 |
6 |
| Just Released: Looking under the Hood of the Subprime Auto Lending Market |
0 |
0 |
0 |
19 |
0 |
0 |
2 |
8 |
| Just Released: More Credit Cards, Higher Limits, and... an Uptick in Delinquency |
1 |
1 |
5 |
18 |
2 |
2 |
12 |
22 |
| Just Released: Press Briefing on Student Loan Borrowing and Repayment Trends, 2015 |
0 |
0 |
5 |
7 |
1 |
1 |
15 |
28 |
| Just Released: Press Briefing on the Evolution and Future of Homeownership |
0 |
1 |
1 |
10 |
1 |
2 |
9 |
23 |
| Just Released: Recent Developments in Consumer Credit Card Borrowing |
1 |
1 |
2 |
14 |
1 |
2 |
9 |
19 |
| Just Released: Shifts in Credit Market Participation over Two Decades |
0 |
0 |
0 |
11 |
0 |
4 |
4 |
17 |
| Just Released: Student Loan Delinquency Rate Defies Overall Downward Trend in Household Debt and Credit Report for Fourth Quarter 2014 |
0 |
0 |
0 |
0 |
1 |
1 |
5 |
12 |
| Just Released: Subprime Auto Debt Grows Despite Rising Delinquencies |
0 |
0 |
1 |
11 |
0 |
0 |
3 |
19 |
| Just Released: Total Household Debt Nears 2008 Peak but Debt Picture Looks Much Different |
0 |
0 |
0 |
1 |
0 |
1 |
3 |
8 |
| Just Released: Who Is Driving the Auto Lending Recovery? |
0 |
0 |
0 |
0 |
0 |
2 |
4 |
7 |
| Just Released: Who's Borrowing Now? The Young and the Riskless! |
0 |
0 |
0 |
1 |
0 |
0 |
2 |
8 |
| Keeping Borrowers Current in a Pandemic |
0 |
0 |
1 |
8 |
0 |
0 |
7 |
19 |
| Long-term outcomes of FHA first-time homebuyers |
0 |
0 |
0 |
27 |
0 |
0 |
5 |
39 |
| Looking at Student Loan Defaults through a Larger Window |
2 |
3 |
5 |
9 |
6 |
8 |
17 |
26 |
| Measuring student debt and its performance |
0 |
0 |
1 |
78 |
0 |
0 |
9 |
254 |
| Mind the Gap in Delinquency Rates |
0 |
0 |
0 |
10 |
0 |
0 |
2 |
13 |
| Mortgage Rates Decline and (Prime) Households Take Advantage |
1 |
1 |
4 |
16 |
1 |
1 |
11 |
48 |
| Payback Time? Measuring Progress on Student Debt Repayment |
1 |
1 |
1 |
5 |
1 |
2 |
8 |
22 |
| Puerto Rico's Evolving Household Debts |
0 |
0 |
0 |
2 |
1 |
2 |
10 |
39 |
| Racial Disparities in Student Loan Outcomes |
0 |
0 |
6 |
16 |
1 |
2 |
22 |
42 |
| Real estate investors, the leverage cycle, and the housing market crisis |
0 |
0 |
0 |
138 |
1 |
3 |
9 |
437 |
| Refinance Boom Winds Down |
0 |
0 |
2 |
2 |
0 |
0 |
6 |
6 |
| Small Business Owners Turn to Personal Credit |
0 |
0 |
2 |
5 |
1 |
2 |
6 |
18 |
| The Financial Crisis and the Role of Real Estate Investors |
0 |
0 |
0 |
0 |
1 |
2 |
3 |
265 |
| The Graying of American Debt |
0 |
0 |
1 |
32 |
0 |
0 |
2 |
25 |
| The Option Value of Human Capital |
0 |
1 |
2 |
17 |
0 |
3 |
8 |
90 |
| The Option Value of Human Capital: Higher Education and Wage Inequality |
1 |
1 |
3 |
52 |
2 |
4 |
10 |
133 |
| The Student Loan Landscape |
1 |
2 |
5 |
11 |
4 |
5 |
28 |
47 |
| The Sustainability of First-Time Homeownership |
0 |
0 |
4 |
10 |
0 |
0 |
9 |
21 |
| The financial crisis at the kitchen table: trends in household debt and credit |
0 |
0 |
2 |
71 |
0 |
0 |
6 |
244 |
| Trends in Debt Concentration in the United States By Income |
0 |
0 |
2 |
5 |
1 |
1 |
7 |
19 |
| Trends in household debt and credit |
0 |
1 |
3 |
40 |
1 |
2 |
5 |
97 |
| Tuition, jobs, or housing: what's keeping millennials at home? |
0 |
0 |
4 |
134 |
0 |
1 |
16 |
391 |
| U.S. Consumer Debt Payments and Credit Buffers on the Eve of COVID-19 |
0 |
0 |
1 |
40 |
2 |
3 |
14 |
109 |
| What Happens during Mortgage Forbearance? |
0 |
1 |
2 |
11 |
4 |
8 |
22 |
42 |
| What’s Next for Forborne Borrowers? |
0 |
0 |
1 |
4 |
0 |
0 |
2 |
10 |
| Whither Mortgages? |
0 |
0 |
0 |
8 |
0 |
0 |
2 |
5 |
| Who Borrows for College—and Who Repays? |
0 |
0 |
0 |
1 |
0 |
0 |
3 |
12 |
| Who’s on First? Characteristics of First-Time Homebuyers |
0 |
0 |
1 |
8 |
0 |
0 |
4 |
11 |
| “Flip This House”: Investor Speculation and the Housing Bubble |
0 |
1 |
1 |
23 |
0 |
2 |
6 |
15 |
| Total Working Papers |
15 |
37 |
184 |
2,430 |
64 |
147 |
763 |
7,414 |
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