ECONOMY
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Who Is Still on First? An Update of Characteristics of First-Time Homebuyers
Donghoon Lee and Joseph Tracy Following the COVID-19 health crisis, home prices and mortgage rates rose sharply. This created concerns…
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Flood Risk and Flood Insurance
Kristian S. Blickle, Evan Perry, and João A.C. Santos Recent natural disasters have renewed concerns about insurance markets for natural…
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Student Loan Balance and Repayment Trends Since the Pandemic Disruption
Daniel Mangrum and Crystal Wang This month marks five years since the start of the COVID-19 pandemic, after which subsequent…
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The Zero Lower Bound Remains a Medium-Term Risk
Sophia Cho, Thomas M. Mertens, and John C. Williams Interest rates have fluctuated significantly over time. After a period of…
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How Shadow Banking Reshapes the Optimal Mix of Regulation
Kinda Hachem Decisions that are privately optimal often impose externalities on other agents, giving rise to regulations aimed at implementing…
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Who Lends to Households and Firms?
Nina Boyarchenko and Leonardo Elias The financial sector in the U.S. economy is deeply interconnected. In our previous post, we…
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The Rise in Deposit Flightiness and Its Implications for Financial Stability
Kristian Blickle, Jian Li, Xu Lu, and Yiming Ma Deposits are often perceived as a stable funding source for banks.…
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The Fed’s Treasury Purchase Prices During the Pandemic
Ellen Correia Golay, Maximilian Dunn, Michael J. Fleming, Peter Johansson, Isabel Krogh, Or Shachar, and Joshua Younger In March 2020, the…
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Credit Score Impacts from Past Due Student Loan Payments
Daniel Mangrum and Crystal Wang In our companion post, we highlighted how the pandemic and subsequent policy actions disrupted trends…
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New Dataset Maps Losses from Natural Disasters to the County Level
Matteo Crosignani and Martin Hiti The Federal Reserve’s mission and regional structure ask that it always work to better understand…
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