| 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 |
17 |
0 |
1 |
3 |
19 |
| A Check‑In on the Mortgage Market |
0 |
1 |
2 |
2 |
1 |
7 |
9 |
9 |
| A Monthly Peek into Americans’ Credit During the COVID-19 Pandemic |
0 |
0 |
0 |
45 |
1 |
1 |
3 |
154 |
| A New Look at Second Liens |
0 |
0 |
0 |
9 |
1 |
2 |
3 |
96 |
| A new look at second liens |
0 |
0 |
0 |
11 |
2 |
4 |
5 |
70 |
| Accounting for Wage and Employment Changes in the U. S. from 1968-2000: A Dynamic Model of Labor Market Equilibrium |
0 |
0 |
0 |
181 |
2 |
6 |
9 |
737 |
| Accounting for Wage and Employment Changes in the U.S. from 1968-2000: A Dynamic Model of Labor Market Equilibrium |
0 |
0 |
1 |
118 |
2 |
4 |
8 |
300 |
| An Update on the Health of the U.S. Consumer |
0 |
0 |
0 |
1 |
1 |
1 |
1 |
4 |
| An introduction to the FRBNY Consumer Credit Panel |
0 |
0 |
0 |
74 |
2 |
6 |
8 |
349 |
| Are First‑Time Home Buyers Facing Desperate Times? |
0 |
0 |
4 |
4 |
0 |
2 |
5 |
5 |
| Auto Loan Delinquency Revs Up as Car Prices Stress Budgets |
0 |
0 |
0 |
4 |
1 |
1 |
1 |
4 |
| 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 |
1 |
3 |
3 |
0 |
1 |
15 |
15 |
| Car Prices Drive Up Borrowing |
0 |
0 |
0 |
17 |
2 |
4 |
7 |
42 |
| Charging into Adulthood: Credit Cards and Young Consumers |
0 |
0 |
0 |
23 |
1 |
1 |
2 |
78 |
| Consumer Credit Reporting Data |
0 |
0 |
0 |
6 |
5 |
11 |
11 |
21 |
| Consumer Credit Reporting Data |
0 |
0 |
1 |
10 |
2 |
6 |
15 |
22 |
| Credit Card Balance Declines Are Largest Among Older, Wealthier Borrowers |
0 |
0 |
1 |
5 |
1 |
2 |
3 |
21 |
| Credit Card Delinquencies Continue to Rise—Who Is Missing Payments? |
0 |
0 |
0 |
7 |
4 |
8 |
10 |
17 |
| Credit Card Markets Head Back to Normal after Pandemic Pause |
0 |
0 |
0 |
4 |
0 |
2 |
2 |
11 |
| Credit Card Trends Begin to Normalize after Pandemic Paydown |
0 |
0 |
0 |
16 |
0 |
2 |
3 |
31 |
| Debt Relief and the CARES Act: Which Borrowers Benefit the Most? |
0 |
0 |
0 |
7 |
2 |
3 |
5 |
50 |
| Debt Relief and the CARES Act: Which Borrowers Face the Most Financial Strain? |
0 |
0 |
0 |
17 |
0 |
0 |
0 |
74 |
| Debt-for-Opportunity? Student Loans and Economic Mobility |
0 |
0 |
0 |
47 |
0 |
0 |
2 |
153 |
| Delinquency Is Increasingly in the Cards for Maxed‑Out Borrowers |
0 |
0 |
0 |
1 |
0 |
0 |
2 |
4 |
| Do we know what we owe? A comparison of borrower- and lender-reported consumer debt |
0 |
0 |
0 |
22 |
1 |
6 |
8 |
168 |
| Echoes of rising tuition in students’ borrowing, educational attainment, and homeownership in post-recession America |
0 |
0 |
2 |
28 |
1 |
3 |
8 |
99 |
| Estimating a General Equilibrium Model of Intersectoral Mobility with Aggregate Shocks |
0 |
0 |
0 |
89 |
1 |
2 |
3 |
243 |
| FHA First-Time Buyer Homeownership Sustainability: An Update |
0 |
0 |
0 |
3 |
0 |
0 |
2 |
23 |
| Financial Education and Household Financial Decisions During the Pandemic |
0 |
1 |
4 |
8 |
5 |
9 |
22 |
26 |
| First-Time Buyers Did Not Drive Strong House Price Appreciation in 2021 |
0 |
0 |
0 |
15 |
2 |
2 |
3 |
12 |
| First-Time Buyers Were Undeterred by Rapid Home Price Appreciation in 2021 |
0 |
0 |
0 |
3 |
1 |
3 |
4 |
20 |
| Following Borrowers through Forbearance |
0 |
0 |
0 |
39 |
3 |
4 |
4 |
72 |
| Forbearance Participation Declines as Programs’ End Nears |
0 |
0 |
0 |
2 |
0 |
0 |
1 |
17 |
| Grading Student Loans |
0 |
0 |
1 |
10 |
2 |
3 |
4 |
58 |
| Have Consumers Been Deleveraging? |
0 |
0 |
0 |
7 |
1 |
1 |
1 |
8 |
| Have Consumers Been Deleveraging? |
0 |
0 |
0 |
1 |
1 |
1 |
2 |
19 |
| Historically Low Delinquency Rates Coming to an End |
0 |
0 |
2 |
11 |
1 |
1 |
3 |
27 |
| Household Borrowing in Historical Perspective |
0 |
0 |
0 |
17 |
1 |
1 |
2 |
19 |
| Household Debt and Saving During the 2007 Recession |
0 |
0 |
0 |
23 |
3 |
6 |
6 |
144 |
| Household Formation within the “Boomerang Generation” |
0 |
0 |
2 |
27 |
2 |
3 |
6 |
116 |
| Household debt and saving during the 2007 recession |
0 |
0 |
0 |
65 |
0 |
4 |
6 |
180 |
| How COVID-19 Affected First-Time Homebuyers |
0 |
0 |
0 |
28 |
2 |
3 |
4 |
88 |
| Income Growth Outpaces Household Borrowing |
0 |
0 |
0 |
0 |
0 |
1 |
5 |
8 |
| Increasing idiosyncratic risk and converging gender differentials in the labor market |
0 |
0 |
0 |
6 |
3 |
5 |
5 |
57 |
| Inequality in U.S. Homeownership Rates by Race and Ethnicity |
0 |
1 |
3 |
83 |
2 |
6 |
12 |
222 |
| Intermediation Frictions in Debt Relief: Evidence from CARES Act Forbearance |
0 |
0 |
0 |
7 |
1 |
1 |
3 |
17 |
| Intermediation Frictions in Debt Relief: Evidence from CARES Act Forbearance |
0 |
0 |
0 |
2 |
0 |
1 |
4 |
8 |
| Intersectoral Labor Mobility and the Growth of the Service Sector |
2 |
2 |
2 |
541 |
4 |
5 |
6 |
1,390 |
| Just Released: A Look at Borrowing, Repayment, and Bankruptcy Rates by Age |
0 |
0 |
0 |
16 |
2 |
5 |
5 |
18 |
| Just Released: Auto Lending Keeps Pace as Delinquencies Mount in Auto Finance Sector |
0 |
0 |
0 |
7 |
2 |
4 |
4 |
33 |
| Just Released: Auto Loans in High Gear |
0 |
0 |
0 |
8 |
2 |
4 |
5 |
44 |
| Just Released: Cleaning Up Collections |
0 |
0 |
0 |
0 |
1 |
3 |
4 |
16 |
| Just Released: Deleveraging Decelerates and Household Balances Increase |
0 |
0 |
0 |
8 |
1 |
4 |
4 |
12 |
| Just Released: Great Recession’s Impact Lingers in Hardest-Hit Regions |
0 |
0 |
0 |
8 |
0 |
1 |
1 |
14 |
| Just Released: Hints of Increased Hardship in America’s Oil-Producing Counties |
0 |
0 |
0 |
14 |
0 |
1 |
1 |
15 |
| Just Released: Household Debt Balances Increase as Deleveraging Period Concludes |
0 |
0 |
0 |
1 |
1 |
1 |
2 |
10 |
| Just Released: Household Debt and Credit Developments in the Nation and the Region in 2011:Q1 |
0 |
0 |
0 |
0 |
1 |
2 |
5 |
12 |
| 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 |
2 |
3 |
28 |
| Just Released: Press Briefing on Student Loan Borrowing and Repayment Trends, 2015 |
0 |
0 |
1 |
14 |
1 |
2 |
6 |
53 |
| Just Released: Press Briefing on the Evolution and Future of Homeownership |
0 |
0 |
0 |
10 |
1 |
3 |
3 |
27 |
| Just Released: Recent Developments in Consumer Credit Card Borrowing |
0 |
0 |
0 |
17 |
1 |
3 |
8 |
38 |
| 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 |
0 |
3 |
4 |
25 |
| Just Released: Total Household Debt Nears 2008 Peak but Debt Picture Looks Much Different |
0 |
0 |
0 |
1 |
3 |
5 |
6 |
14 |
| Just Released: Who Is Driving the Auto Lending Recovery? |
0 |
0 |
0 |
0 |
3 |
3 |
4 |
13 |
| Just Released: Who's Borrowing Now? The Young and the Riskless! |
0 |
0 |
0 |
1 |
0 |
0 |
0 |
9 |
| Keeping Borrowers Current in a Pandemic |
0 |
0 |
0 |
9 |
0 |
4 |
5 |
28 |
| Long-term outcomes of FHA first-time homebuyers |
0 |
0 |
0 |
27 |
1 |
3 |
3 |
46 |
| Looking at Student Loan Defaults through a Larger Window |
0 |
0 |
0 |
9 |
3 |
3 |
8 |
46 |
| Measuring student debt and its performance |
0 |
0 |
0 |
81 |
3 |
8 |
10 |
276 |
| 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 |
5 |
6 |
7 |
17 |
| Mortgage Rates Decline and (Prime) Households Take Advantage |
0 |
0 |
0 |
19 |
0 |
1 |
1 |
54 |
| Payback Time? Measuring Progress on Student Debt Repayment |
0 |
0 |
0 |
10 |
1 |
2 |
3 |
37 |
| Puerto Rico's Evolving Household Debts |
0 |
0 |
1 |
4 |
2 |
3 |
5 |
51 |
| Racial Disparities in Student Loan Outcomes |
0 |
0 |
1 |
21 |
5 |
5 |
7 |
68 |
| Real estate investors, the leverage cycle, and the housing market crisis |
0 |
0 |
1 |
146 |
10 |
12 |
25 |
495 |
| Refinance Boom Winds Down |
0 |
0 |
0 |
4 |
1 |
4 |
8 |
17 |
| Small Business Owners Turn to Personal Credit |
0 |
0 |
0 |
6 |
1 |
2 |
2 |
28 |
| Student Loan Delinquencies Are Back, and Credit Scores Take a Tumble |
0 |
1 |
4 |
4 |
4 |
9 |
19 |
19 |
| The Financial Crisis and the Role of Real Estate Investors |
0 |
0 |
0 |
0 |
3 |
3 |
4 |
277 |
| The Graying of American Debt |
0 |
0 |
1 |
34 |
4 |
4 |
6 |
34 |
| The Great Pandemic Mortgage Refinance Boom |
0 |
0 |
2 |
19 |
2 |
5 |
7 |
40 |
| The New York Fed Consumer Credit Panel: A Foundational CMD Data Set |
0 |
0 |
1 |
9 |
0 |
3 |
6 |
25 |
| The Option Value of Human Capital |
0 |
0 |
0 |
18 |
0 |
1 |
3 |
99 |
| The Option Value of Human Capital: Higher Education and Wage Inequality |
0 |
0 |
0 |
55 |
2 |
5 |
7 |
159 |
| The Student Loan Landscape |
0 |
0 |
0 |
14 |
1 |
1 |
3 |
67 |
| The Sustainability of First-Time Homeownership |
0 |
0 |
0 |
10 |
0 |
0 |
2 |
23 |
| The financial crisis at the kitchen table: trends in household debt and credit |
0 |
0 |
0 |
71 |
13 |
15 |
16 |
265 |
| Trends in Debt Concentration in the United States By Income |
0 |
0 |
0 |
7 |
0 |
2 |
3 |
26 |
| Trends in household debt and credit |
0 |
0 |
1 |
45 |
0 |
1 |
7 |
110 |
| Tuition, jobs, or housing: what's keeping millennials at home? |
0 |
0 |
0 |
137 |
1 |
6 |
15 |
421 |
| U.S. Consumer Debt Payments and Credit Buffers on the Eve of COVID-19 |
0 |
0 |
0 |
41 |
3 |
5 |
7 |
123 |
| What Happens during Mortgage Forbearance? |
0 |
0 |
1 |
12 |
3 |
5 |
13 |
64 |
| What’s Next for Forborne Borrowers? |
0 |
0 |
0 |
4 |
1 |
1 |
1 |
17 |
| Whither Mortgages? |
0 |
0 |
0 |
8 |
1 |
1 |
1 |
6 |
| Who Borrows for College—and Who Repays? |
0 |
0 |
2 |
3 |
3 |
5 |
9 |
25 |
| Who Is Still on First? An Update of Characteristics of First‑Time Homebuyers |
0 |
2 |
2 |
2 |
1 |
5 |
5 |
5 |
| Who’s on First? Characteristics of First-Time Homebuyers |
0 |
0 |
0 |
8 |
1 |
1 |
1 |
12 |
| Younger Borrowers Are Struggling with Credit Card and Auto Loan Payments |
0 |
0 |
2 |
16 |
2 |
5 |
11 |
23 |
| “Flip This House”: Investor Speculation and the Housing Bubble |
0 |
0 |
2 |
30 |
1 |
3 |
6 |
29 |
| Total Working Papers |
2 |
9 |
50 |
2,744 |
165 |
333 |
564 |
8,842 |
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