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Consumer Finance


4-in-6 Payment Products — Buy Now, Pay Later: Insights from New Survey Data

Since 2019, buy now, pay later (BNPL) lending products have experienced rapid growth in transaction volume and garnered significant attention from consumers, researchers, and regulators. BNPL products that use an interest-free, 4-payments-in-6-weeks (4-in-6) structure have been examined closely because of concerns that their unique characteristics might pose risks to vulnerable consumers and other providers of consumer credit.

Economic Outlook: We Are in the Final Mile of the Marathon

2024 Lyons Center for Economic Education and Entrepreneurship, University of Delaware | Newark, DE

Advancing Fairness in Lending Through Machine Learning

Showcasing the work of Philadelphia Fed researchers, this interactive data visualization explores an approach to credit lending using machine learning and fairness goals that may help address current disparities in credit access.


Aruoba-Diebold-Scotti Business Conditions Index

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

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Special Four-Report Series on Student Loan Payments Resumption

In a four-part series of special reports, the Federal Reserve Bank of Philadelphia studies the financial and economic impacts of the federal student loan payments resumption.



Time Use Before, During, and After the Pandemic

Economic Insights — Before the pandemic, Americans increasingly worked from home, spent time alone, and shared child-care duties. The data show how COVID accelerated and reshaped these three trends.





The Mortgage Market Research Conference