Working Paper
Piercing Through Opacity: Relationships and Credit Card Lending to Consumers and Small Businesses During Normal Times and the COVID-19 Crisis
WP 21-19 – We investigate bank relationships in a rarely considered context – consumer and small business credit cards.
Featured Work
Article
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.
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.
Conference Summary
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.