Row of small business store fronts, including a florist & gift shop

Credit & Capital

Brief

2022 Small Business Credit Survey: Insights from New Jersey, Pennsylvania, and the Third District

Three briefs translate data from the Fed’s 2022 Small Business Credit Survey: Report on Employer Firms into bold infographics to paint a picture of small business conditions in the Third District (Delaware, New Jersey, and Pennsylvania).

A Map of Racially Restrictive Covenants in the City of Philadelphia

An interactive look at the impact of discriminatory real estate practices on the people and economy of Philadelphia.

/

Q&A: Larry Santucci on Philadelphia's Racially Restrictive Covenants and Their Lasting Effects

The Bank’s Advisor and Research Fellow in the Consumer Finance Institute explores racially restrictive covenants in the city of Philadelphia and their lasting effects.

Aruoba-Diebold-Scotti Business Conditions Index

An index designed to track real business conditions at high observation frequency

Consumer Credit

Article

Policies, Perceptions, and Paradoxes: Exploring the Role of Overoptimistic Borrowers in Consumer Credit Markets

Research in Focus — When overoptimistic borrowers are pooled together with more-rational borrowers, the interplay creates a moving target for policies that aim to preserve their collective welfare.

Community Development

Annual Report

A Small Business Ecosystem That Works for Everyone

Access to capital, stronger relationships with local funders, and more diverse small business ecosystems are some of the goals presented in the 2021 Reinventing Our Communities (ROC) Cohort Program.