Stephanie Wilshusen

Senior Research Fellow and Research Support Coordinator, Consumer Finance Institute

stephanie.wilshusen@phil.frb.org

(215) 574-3781

Areas of Expertise

Stephanie Wilshusen joined the Federal Reserve Bank of Philadelphia in May 2009. Her research includes studies of innovations in payments, access to credit, consumer default, consumer credit reporting, and the interaction between consumer credit and the macroeconomy. Among her other responsibilities, she oversees the CFI’s visiting scholars program.

Before joining the Bank, she was associate director of the Financial Services Research Program at George Washington University and assistant director and senior research associate at Georgetown University’s Credit Research Center. Before that, she worked for Charles River Associates and the Brookings Institution.

Wilshusen has presented her research at a number of regulatory agency, industry, and academic conferences and has been a guest lecturer at the Wharton School of the University of Pennsylvania and the Yale School of Management.

View archived Bank publications by this author: Consumer Finance Institute Discussion Papers 2001-2013

Featured Work

Consumer Credit

Working Paper

Forecasting Consumption Spending Using Credit Bureau Data

Dean Croushore
Stephanie Wilshusen

June 2020

WP 20-22 - This paper considers whether the inclusion of information contained in consumer credit reports might improve the predictive accuracy of forecasting models for consumption spending.

Consumer Credit

Discussion Paper

Exploring the Use of Anonymized Consumer Credit Information to Estimate Economic Conditions: An Application of Big Data

Chet Wiermanski
Stephanie Wilshusen

November 2015

DP 15-05 - The emergence of high-frequency administrative data and other big data offers an opportunity for improvements to economic forecasting models.

Payment Systems

Discussion Paper

Consumers’ Use of Prepaid Cards: A Transaction-Based Analysis

Stephanie Wilshusen
Robert M. Hunt
James van Opstal
Rachel Schneider

August 2012

D-2012 -Open-loop prepaid cards are becoming a mainstream payment instrument in the United States. In addition, businesses and governments increasingly view them as a less expensive alternative to checks for disbursing payroll and benefits.

View All Work