Using data from Canada and the United States, we quantify consumers' net pecuniary cost of using cash, credit cards …-through have regressive distributional effects in Canada and the United States. …

We study the role of intermediaries (brokers) in the Canadian mortgage market. In this market, consumers can search for … mortgage demand to disentangle two explanations for why borrowers wind up with these riskier mortgage products: (i) brokers …

individual customer and multiple firms repeatedly. Using contractlevel data for the Canadian mortgage market, we provide evidence …

Providing bank notes is one of the Bank of Canada’s core functions. The Bank is therefore interested in whether cash is … distance between the 637 reserve band offices in Canada and their closest cash sources. In this study, these cash sources are …

Chen et al. (2021) show that almost one-third of First Nations band offices in Canada are within 1 kilometre (km) of an … Nations are generally among the most geographically remote communities in Canada. Further, we show that these First Nations … are also among the lowest scoring communities in Canada according to a measure of community well-being based on indicators …

Following the 2008 financial crisis, mortgage credit tightened and banks lost significant mortgage market share to … similar to those of traditional lenders? Unlike in small business and unsecured consumers lending, fintech mortgage lenders do … not have the same incentives or flexibility to use alternative data for credit decisions because of stringent mortgage …

mortgage credit risk by Fannie Mae and Freddie Mac. We find that lenders charge Latinx/African-American borrowers 7.9 and 3 …

Mortgage forbearance, where monthly scheduled payments are paused, was widely activated in response to the COVID-19 … forbearance performance of residential mortgage loans held or serviced by largest national banks. We find that the forbearance …

Following the 2008 financial crisis, mortgage credit tightened and banks lost significant mortgage market share to … similar to those of traditional lenders? Unlike in small business and unsecured consumers lending, fintech mortgage lenders do … not have the same incentives or flexibility to use alternative data for credit decisions because of stringent mortgage …