Working Paper
Who Remains Unbanked in the United States and Why?
WP 25-02 – This paper conducts a detailed exploration of the factors associated with unbanked status among U.S. households and how these relationships evolved between 2015 and 2019.
Featured Work
Working Paper
Inventory, Market Making, and Liquidity in OTC Markets
WP 24-22 – Post-2008 regulations were intended to make banks safer but also made it more expensive to intermediate markets. This paper studies the effects of regulations on banks’ balance sheet costs, and the implications for market liquidity.
Working Paper
Banking on Deforestation: The Cost of Nonenforcement
WP 24-21 – Despite surging environmental laws, how their enforcement influences banks’ management of climate risks remains underexplored.
Article
Banking Trends: Why Banks Finance Their Nonbank Competitors
Economic Insights — It may look like the explosive growth of nonbank financial institutions has come at the expense of banks, but the relationship between the two is in fact symbiotic.
Featured Data
Institutions in the Third District
This interactive tool summarizes information about banks and holding companies within the Third District (comprising eastern and central Pennsylvania, southern New Jersey, and Delaware) and provides each institution’s location and asset size as of the most recent quarter.
Updated: 18 Nov ’24
Third District Banking Conditions
Third District Banking Conditions is a semiannual report comparing the trends of Third District community banks with their national peers.
Updated: 12 Sep ’24
Large Bank Credit Card and Mortgage Data
The Large Bank Consumer Credit Data are based on Y-14M credit card and mortgage data provided by the largest financial institutions in the United States.
Updated: 09 Oct ’24