2007 Federal Reserve System Research Conference

Conference Papers

Financing Community Development - Learning from the Past, Looking to the Future
Final Remarks (PDF, 529KB)
Presentation (PDF, 79KB)
Mary Lee Widener
Neighborhood Housing Services of America

Unfair Lending: The Effect of Race and Ethnicity on the Price of Subprime Mortgages (PDF, 972KB)
Debbie Gruenstein Bocian, Keith S. Ernst, and Wei Li
Center for Responsible Lending

Predatory Lending Practices and Subprime Foreclosures - Distinguishing Impacts by Loan Category (PDF, 264KB)
Morgan J. Rose
Office of the Comptroller of the Currency

The Effect of Prepayment Penalties on the Pricing of Subprime Mortgages (PDF, 203KB)
Gregory Elliehausen and Michael E. Staten
Financial Services Research Program, George Washington University

Jevgenijs Steinbuks
Department of Economics, George Washington University

State and Local Anti-Predatory Lending Laws: The Effect of Legal Enforcement Mechanisms (PDF, 192KB)
Raphael W. Bostic
University of Southern California

Kathleen C. Engel
Cleveland State University

Patricia A. McCoy
University of Connecticut

Anthony Pennington-Cross
Marquette University

Susan M. Wachter
University of Pennsylvania

The Delinquency of Subprime Mortgages (PDF, 355KB)
Michelle Danis
Securities and Exchange Commission

Anthony Pennington-Cross
Marquette University

The Realities of U.S. Personal Bankruptcy under Chapter 13 (PDF, 285KB)
Hülya Eraslan
University of Pennsylvania

Wenli Li
Federal Reserve Bank of Philadelphia

Pierre-Daniel Sarte
Federal Reserve Bank of Richmond

Consumer Credit Literacy: What Price Perception? (PDF, 273KB)
Marsha Courchane and Adam Gailey
ERS Group

Peter Zorn
Freddie Mac

Targeting Foreclosure Interventions: An Analysis of Neighborhood Characteristics Associated with High Foreclosure Rates in Two Minnesota Counties (PDF, 1030KB)
Michael Grover
Federal Reserve Bank of Minneapolis

Laura Smith
Macalester College

Richard M. Todd
Federal Reserve Bank of Minneapolis

Tracing Access to Financial Capital among African-Americans From the Entrepreneurial Venture to the Established Business (PDF, 395KB)
Alicia M. Robb and Robert W. Fairline
University of California, Santa Cruz

Commercial Lending Distance and Historically Underserved Areas (PDF, 190KB)
Robert DeYoung
Federal Deposit Insurance Corporation

W. Scott Frame
Federal Reserve Bank of Atlanta

Dennis Glennon
Office of the Comptroller of the Currency

Peter Nigro
Bryant University

Strategic Pricing of Payday Loans: Evidence from Colorado, 2000-2005 (PDF, 256KB)
Robert DeYoung
Federal Deposit Insurance Corporation

Ronnie Phillips
Colorado State University

Cardholder Use of General Spending Prepaid Cards: A Closer Look at the Market (PDF, 211KB)
Sherrie L.W. Rhine
Office of the Comptroller of the Currency

Katy Jacob
Federal Reserve Bank of Chicago

Yazmin Osaki
Federal Reserve Bank of New York

Jennifer Tescher
The Center for Financial Services Innovation