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Topic: Consumer Lending

Research Brief / Banking

Did Bank Capital Rules Make Credit Card Borrowing More Expensive?

Though defaults are low, rates on credit card loan-backed notes are high

Illustration of a person pulling a line chart Research Brief / Consumer Lending

Credit Scores, Used to Predict Repayment, Can Restrain Economic Recovery

Rigid adherence to scoring systems can reduce consumer spending when it’s most needed

City landscape at dusk Research Brief / Housing

Could Costly Housing Bring Down Superstar Cities?

Stuart Gabriel’s research shows how a vibrant economic hub loses essential residents

A laptop computer Research Brief / Housing

When Homeowners Confide in Google, Forecasters See Clues to Mortgage Defaults

Researchers developed an index that warns earlier than others about approaching home loan problems

Home with an auction sign on the lawn Research Brief / Home Mortgages

Some Homeowners Pay Their Underwater Mortgages Until the Government Offers a Better Option

Federal loan modification program led borrowers to default

Screen grab of bank website Research Brief / Mortgage Lending

Local-Level Mortgage Lending: How Competition Pushes Rates Higher, Not Lower

A study finds unexpected impact when a disruptive player enters market

Stack of papers in folders Research Brief / Home Mortgages

Clues to the Market When Mortgage Originators Delay Securitization

With high-quality borrowers hard to judge from afar, Alt-A market offers quiet signal on creditworthiness