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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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Working Paper

The Economics of Debt Collection: Enforcement of Consumer Credit Contracts
By Viktar Fedaseyeu and Robert Hunt

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Rutgers

CFI In Focus

College Access and Student Success: Evaluating a Financial Aid Program at Rutgers–Camden

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Working Paper

Dynamic Pricing of Credit Cards and the Effects of Regulation

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Working Paper

Peers’ Income and Financial Distress: Evidence from Lottery Winners and Neighboring Bankruptcies

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Working Paper

Financial Contracting with Enforcement Externalities

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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

Stephanie Wilshusen

Senior Research Fellow and Research Support Coordinator, Consumer Finance Institute

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Stephanie Wilshusen is currently studying the benefits of including consumer credit report information in macroeconomic forecasting models.

Expertise
  • Consumer Finance and Payments
  • Credit Reporting and Scoring
  • Innovations in Consumer Credit and Payments Markets
  • Consumer Credit Access
Featured Publications
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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.

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Publications

Institute publications build on a body of research by the Philadelphia Fed that comprises more than 200 papers related to consumer credit markets and payment systems.

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Statistics

We compile an array of statistics of interest to researchers, the news media, and others and publish them in our Consumer Credit Snapshot and Consumer Payments Snapshot, both updated quarterly.

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