Our mission is to produce leading-edge research on how credit markets and payment systems affect the economy. The Institute sponsors opportunities for scholars, the financial industry, and the public sector to collaborate and share insights on fostering healthy household finances, a stable financial system, and a resilient economy.

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Our researchers span four Bank departments and collaborate with each other and visiting scholars to provide the next level of research.

Meet one of our researchers

Andrew Hertzberg

Economic Advisor and Economist, Research Department

Andrew Hertzberg

Andrew Hertzberg studies asymmetric information in consumer credit. He has researched the impact of family-member interactions and financial decision making.

Expertise
  • Asymmetric Information in Consumer Credit
  • Intra-Household Decision Making
  • Fintech
  • Credit Registries
Featured Publications
  • Time-Consistent Individuals, Time-Inconsistent Households
  • Adverse Selection on Maturity: Evidence from Online Consumer Credit

Publications and Resources

Literature Database

Our continually updated database provides bibliographic citations for journal articles, books, reports, and other publications on consumer credit and payments and links to full-text papers from across the Federal Reserve System.

Search Our Literature Database