Documents and a pen on a desk, with person working on a laptop computer in the background

Consumer Credit


Do Loan Officers Discriminate?

Research in Focus — Edison Yu of the Philadelphia Fed and his two coauthors test for taste-based discrimination across U.S. mortgage lenders over a 25-year span.

Featured Work

Consumer Finance

Working Paper

Which Lenders Are More Likely to Reach Out to Underserved Consumers: Banks versus Fintechs versus Other Nonbanks?

WP 21-17 – There has been a great deal of interest recently in understanding the potential role of fintech firms in expanding credit access to the underbanked and credit-constrained consumers.

Summary of the Workshop on Credit Card Lending and Payments

The Federal Reserve Bank of Philadelphia’s Supervisory Research Forum (SURF) and Consumer Finance Institute (CFI) held the virtual Workshop on Credit Card Lending and Payments on September 16‒17, 2020.

Consumer Credit

Working Paper

Does CFPB Oversight Crimp Credit?

WP 21-08 - We study how regulatory oversight by the Consumer Financial Protection Bureau (CFPB) affects mortgage credit supply and other aspects of bank behavior.