Working Paper
Gender Differences in Credit Card Limits: Evidence from Sole Mortgage Applicants
WP 23-30/R – Using linked mortgage application and credit bureau data, we document the existence of unconditional and conditional gender gaps in the distribution of total credit card limits for sole mortgage applicants
Featured Work
Working Paper
Hospital Billing Regulations and Financial Well-Being: Evidence from California’s Fair Pricing Law
WP 25-39 – We examine the financial consequences of the 2007 California Fair Pricing Law, which places a price ceiling on hospital bills for financially vulnerable individuals.
Working Paper
Bankruptcy Lawyers and Credit Recovery
WP 24-10/R – The author studies how bankruptcy law firm advertisements affect household credit, exploiting the borders of local TV advertisement media markets.
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 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