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

Eileen Divringi

Research Associate, Community Development & Regional Outreach

Eileen Divringi

Eileen Divringi engages in mixed-methods research around consumer credit use, focusing on low- and moderate-income communities. She helped develop the Consumer Credit Explorer, an interactive tool for exploring state and regional credit trends.

  • Consumer Credit Access
  • Qualitative Research on Credit Use
  • Household Financial Stability

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