Working Paper
Financial Fraud Through the Lens of Extended Fraud Alerts
WP 25-29 – We use extended fraud alerts in anonymized credit reports to examine how identity theft, and subsequent cleanup, affects consumers’ credit outcomes.
Featured Work
Article
Data in Focus: Large Bank Credit Card and Mortgage Data
Economic Insights — The Federal Reserve Bank of Philadelphia’s Large Bank Credit Card and Mortgage Data series offers an unprecedented look into the lending activities of the nation’s largest financial institutions.
Working Paper
Does CFPB Oversight Crimp Credit?
WP 21-08/R - We study how regulatory oversight by the Consumer Financial Protection Bureau (CFPB) affects mortgage credit supply and other aspects of bank behavior.
Article
Credit Scores and Rising Credit Card Delinquencies
Economic Insights — COVID disrupted credit scores. What, if anything, did that have to do with the subsequent rise in credit card delinquencies?
Featured Data
CFI COVID-19 Survey of Consumers
To gain insights into the impact of the COVID-19 pandemic on financial security in the U.S., the Consumer Finance Institute at the Federal Reserve Bank of Philadelphia conducted a series of national surveys of consumers beginning in April 2020 and concluding in April 2022.
Updated: 30 May '23
Philadelphia’s History of Racially Restricted Housing
As part of the Philadelphia Fed’s efforts to understand how housing affects the economy in our District, our researchers are studying the links between past housing discrimination and present-day outcomes.
Updated: 20 Feb '24