Remarks at the Quarterly Regional Economic Press Briefing, New York City.

Remarks at Cornell University, Ithaca, New York.

Remarks at the University of Rochester, Rochester, New York.

Remarks at United States Military Academy at West Point, West Point, New York.

Remarks at the New Jersey Bankers Association Economic Forum, Iselin, New Jersey.

Remarks at the New College of Florida 44th Annual Commencement, Sarasota, Florida.

Remarks at the at the Society of American Business Editors and Writers Fall Conference, City University of New York, Graduate School of Journalism, New York City.

Remarks at the University at Buffalo, Buffalo, New York.

U.S. households' debt skyrocketed between 2000 and 2007, but has since been falling. This leveraging and deleveraging cycle cannot be accounted for by the liberalization and subsequent tightening of mortgage credit standards that occurred during the period. We base this conclusion on a...

In this paper, we introduce the FRBNY Consumer Credit Panel, a new longitudinal database with detailed information on consumer debt and credit. The panel uses a unique sample design and information derived from consumer credit reports to track individuals’ and households’ access to and use...