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1. Credit where none is due? Authorized-user account status and piggybacking credit

Author

Brevoort, Kenneth P., Avery, Robert B., and Canner, Glenn B.

Subjects
United States. Federal Reserve Board -- Laws, regulations and rules, Fair Isaac Corp. -- Laws, regulations and rules, Financial services industry -- Laws, regulations and rules, Credit ratings -- Laws, regulations and rules, Government regulation, Financial services industry, Advertising, marketing and public relations, Business, general, Business
Abstract

'Piggybacking credit' is a new practice that helps consumers improve their credit scores by paying to become 'authorized users' on established accounts. Authorized users are not liable for paying an [...]

Published
2013
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2. Credit scoring and its effects on the availability and affordability of credit

Author

Avery, Robert B., Brevoort, Kenneth P., and Canner, Glenn B.

Subjects
United States. Federal Reserve Board -- Powers and duties, Commercial credit -- Laws, regulations and rules, Credit ratings -- Laws, regulations and rules, Loans -- Laws, regulations and rules, Advertising, marketing and public relations, Business, general, Business, Government regulation, Powers and duties, Laws, regulations and rules
Abstract

The Fair and Accurate Credit Transaction Act of 2003 (the FACT Act) directed several federal agencies to conduct studies related to the credit reporting industry. A primary concern was the [...]

Published
2009

3. Consumer credit scoring: do situational circumstances matter?

Author

Avery, Robert B., Calem, Paul S., and Canner, Glenn B.

Subjects
Consumer credit -- Models, Consumer credit -- Analysis, Risk management, Risk management, Banking, finance and accounting industries, Business
Abstract

The important statistical issues arising due to the failure to consider situational circumstances, that may affect the ability of scoring systems to accurately quantify an individual credit risk, are described. The practical difficulties, associated with developing scoring models that incorporate situational data are described.

Published
2004

6. Consolidation and bank branching patterns

Author

Avery, Robert B., Bostic, Raphael W., Calem, Paul S., and Canner, Glenn B.

Subjects
Bank mergers -- Analysis, Banking industry -- Mergers, acquisitions and divestments, Branch banks -- Management, Banking, finance and accounting industries, Business
Abstract

Consolidation in the banking industry appears to reduce the level of bank branching as indicated by the number of offices per capita in a particular region. This is especially true for mergers in which merger partners have branch networks that overlap within a ZIP code both in urban and rural areas. In addition, there is no significant relationship between consolidation and the competitive and market environments or between consolidation and the racial composition of the ZIP code.

Published
1999

7. Credit Scoring: Statistical Issues and Evidence from Credit-Bureau Files

Author

Avery, Robert B., Bostic, Raphael W., Calem, Paul S., and Canner, Glenn B.

Subjects
Economics -- Research, Statistical decision -- Research, Credit ratings -- Research, Credit bureaus -- Research, Consumer credit -- Research, Real property -- Research, Business, Economics, Real estate industry, Research
Abstract

Robert B. Avery [*] Raphael W. Bostic [**] Paul S. Calem [**] Glenn B. Canner [**] Although credit scoring offers benefits to lenders and borrowers, its use raises important statistical [...]

Published
2000

8. Consumer experiences with credit cards

Author

Canner, Glenn B. and Elliehausen, Gregory

Subjects
United States. Federal Reserve Board, Credit and debit card industry, Banking, finance and accounting industries, Business, Government, Credit Card Accountability, Responsibility and Disclosure Act of 2009
Abstract

By offering consumers both a means to pay for goods and services and a source of credit to finance such purchases, credit cards have become the most widely used credit [...]

Published
2013

9. Mortgage market conditions and borrower outcomes: evidence from the 2012 HMDA data and matched HMDA--credit record data

Author

Bhutta, Neil, Canner, Glenn B., Stolarsky, Shira, and Watanagase, Madura

Subjects
United States. Federal Housing Administration, United States. Federal Reserve Board, Mortgages, Mortgages, Banking, finance and accounting industries, Business, Government
Abstract

Incidence of Higher-Priced Lending by Race, Ethnicity, and Sex Overall, the reported incidence of higher-priced lending was about 50 basis points lower in 2012 than in 2011 (data for 2011 [...]

Published
2013

10. Mortgage market conditions and borrower outcomes: evidence from the 2012 HMDA data and matched HMDA--credit record data

Author

Bhutta, Neil, Canner, Glenn B., Stolarsky, Shira, and Watanagase, Madura

Subjects
United States. Federal Housing Administration, United States. Department of Veterans Affairs, Mortgages, Mortgages, Banking, finance and accounting industries, Business, Government
Abstract

The Home Mortgage Disclosure Act of 1975 (HMDA) requires most mortgage lending institutions with offices in metropolitan areas to disclose to the public detailed information about their home-lending activity each [...]

Published
2013

11. The mortgage market in 2011: highlights from the data reported under the Home Mortgage Disclosure Act

Author

Avery, Robert B., Bhutta, Neil, Brevoort, Kenneth P., Canner, Glenn B., Henning, Nicholas W., and Stolarsky, Shira E.

Subjects
United States. Federal Housing Administration -- Political activity, United States. Department of Housing and Urban Development -- Political activity, United States. Department of Veterans Affairs -- Political activity, Wells Fargo & Co. -- Political activity, Financial disclosure -- Political aspects, Mortgages -- Ethnic market -- Political aspects, Banking industry -- Ethnic market -- Political activity -- Political aspects, Mortgage insurance -- Ethnic market -- Political aspects, Financial institutions -- Political aspects, Mortgages, Banking industry, Banking, finance and accounting industries, Business, Government
Abstract

Since 1976, most mortgage lending institutions with offices in metropolitan areas have been required under the Home Mortgage Disclosure Act of 1975 (HMDA) to disclose detailed information about their home-lending [...]

Published
2012

12. The mortgage market in 2010: highlights from the data reported under the home mortgage disclosure act

Author

Avery, Robert B., Bhutta, Neil, Brevoort, Kenneth P., Canner, Glenn B., Henning, Nicholas W., and Stolarsky, Shira E.

Subjects
United States. Federal Housing Administration, United States. Rural Housing Service, United States. Department of Housing and Urban Development, Mortgage insurance, Disclosure of information, Banking, finance and accounting industries, Business, Government
Abstract

The Continuing Role of Government in the Mortgage Market The HMDA data for 2008 and 2009 showed that the share of new mortgage loans either explicitly or implicitly guaranteed by [...]

Published
2011

13. The mortgage market in 2010: highlights from the data reported under the home mortgage disclosure act

Author

Avery, Robert B., Bhutta, Neil, Brevoort, Kenneth P., Canner, Glenn B., Henning, Nicholas W., and Stolarsky, Shira E.

Subjects
United States. Federal Housing Administration, United States. Department of Veterans Affairs, Financial disclosure, Consumer protection, Mortgages, Mortgage insurance, Mortgages, Banking, finance and accounting industries, Business, Government
Abstract

The Home Mortgage Disclosure Act of 1975 (HMDA) is a consumer protection statute requiring most mortgage lending institutions with offices in metropolitan areas to publicly disclose detailed information about their [...]

Published
2011

14. The 2009 HMDA data: the mortgage market in a time of low interest rates and economic distress

Author

Avery, Robert B., Bhutta, Neil, Brevoort, Kenneth P., and Canner, Glenn B.

Subjects
United States. Federal Housing Administration, United States. Department of Housing and Urban Development, United States. Federal Reserve Board, United States. Government National Mortgage Association, United States. Department of Veterans Affairs, Fair Isaac Corp., Financial disclosure, Financial services industry -- Ethnic market -- Prices and rates, Mortgage-backed securities -- Ethnic market -- Prices and rates, Insurance industry -- Ethnic market, Interest rates, Financial services industry, Insurance industry, Company pricing policy, Banking, finance and accounting industries, Business, Government
Abstract

Data made available annually pursuant to the Home Mortgage Disclosure Act of 1975 (HMDA) provide an opportunity to explore changes in mortgage market activity along a host of dimensions. (1) [...]

Published
2010

15. The 2008 HMDA data: the mortgage market during a turbulent year

Author

Avery, Robert B., Bhutta, Avery, Brevoort, Kenneth P., Canner, Glenn B., Gibbs, Christa N., Cooper, Cheryl R., and Coyer, Christine

Subjects
United States. Federal Reserve Board, Financial disclosure, Mortgage insurance -- Ethnic market -- Prices and rates, Company pricing policy, Banking, finance and accounting industries, Business, Government
Abstract

The Home Mortgage Disclosure Act of 1975 (HMDA) requires most mortgage lending institutions with offices in metropolitan areas to publicly disclose information about their home-lending activity. The information includes the [...]

Published
2010

16. The Performance and Profitability of CRA-Related Lending

Author

Avery, Robert B., Bostic, Raphael W., and Canner, Glenn B.

Subjects
Banking, finance and accounting industries, Business, Business, general, Economics
Abstract

In November 1999, the U.S. Congress asked the Board of Governors of the Federal Reserve System to conduct a comprehensive study of loans made under the Community Reinvestment Act of [...]

Published
2000

17. The 2008 HMDA data: the mortgage market during a turbulent year

Author

Avery, Robert B., Bhutta, Neil, Brevoort, Kenneth P., Canner, Glenn B., Gibbs, Christa N., Cooper, Cheryl R., and Coyer, Christine

Subjects
United States. Federal Reserve Board, Financial disclosure, Mortgage insurance -- Ethnic market -- Prices and rates, Insurance industry -- Ethnic market, Banking, finance and accounting industries, Business, Government, Insurance industry, Company pricing policy, Ethnic market, Prices and rates
Abstract

[Note: This article is forthcoming in the Federal Reserve Bulletin.] The Home Mortgage Disclosure Act of 1975 (HMDA) requires most mortgage lending institutions with offices in metropolitan areas to publicly [...]

Published
2009

18. The 2007 HMDA data

Author

Avery, Robert B., Brevoort, Kenneth P., Canner, Glenn B., Cooper, Cheryl R., Gibbs, Christa N., Tsang, Rebecca, and Wallace, Sean

Subjects
Mortgage banks -- Laws, regulations and rules, Mortgages -- Laws, regulations and rules, Mortgage insurance -- Laws, regulations and rules, Home Mortgage Disclosure Act of 1975, Banking, finance and accounting industries, Business, Government, Government regulation, Mortgages, Laws, regulations and rules
Abstract

The Home Mortgage Disclosure Act of 1975 (HMDA) requires most mortgage lending institutions with offices in metropolitan areas to publicly disclose information about their home-lending activity. The information includes characteristics [...]

Published
2008

19. The 2006 HMDA data

Author

Avery, Robert B., Brevoort, Kenneth P., Canner, Glenn B., Tsang, Rebecca, and Wallace, Sean M.

Subjects
United States. Federal Reserve Board -- Laws, regulations and rules, Financial disclosure -- Laws, regulations and rules, Mortgages -- Laws, regulations and rules, Mortgage insurance -- Laws, regulations and rules, Banking, finance and accounting industries, Business, Government, Government regulation, Mortgages, Laws, regulations and rules
Abstract

Since 1975, the Home Mortgage Disclosure Act (HMDA) has required public disclosures from most mortgage lending institutions with offices in metropolitan areas. The release of the information, which includes the [...]

Published
2007

20. Higher-priced home lending and the 2005 HMDA data: (Table 8 revised September 18, 2006)

Author

Avery, Robert B., Brevoort, Kenneth P., Canner, Glenn B., Coslett, Caitlin G., and Wallace, Sean M.

Subjects
United States. Federal Reserve Board -- Laws, regulations and rules, Financial disclosure -- Laws, regulations and rules, Mortgage insurance -- Prices and rates -- Laws, regulations and rules, Banking, finance and accounting industries, Business, Government, Government regulation, Company pricing policy, Prices and rates, Laws, regulations and rules
Abstract

Since 1975, the Home Mortgage Disclosure Act (HMDA) has required most mortgage lending institutions with offices in metropolitan areas to disclose to the public information about the geographic location and [...]

Published
2006

21. New information reported under HMDA and its application in fair lending enforcement

Author

Avery, Robert B., Canner, Glenn B., Cook, Robert E., Mok, Shannon C., Coslett, Caitlin G., Dykes, Patricia J., and Freeland, Sylvia A.

Subjects
United States. Department of Housing and Urban Development -- Management, United States. Federal Reserve Board -- Management, Bank holding companies, Mortgage banks, Mortgages, Disclosure of information, Credit unions, Banking, finance and accounting industries, Business, Government, Mortgages, Company business management, Management
Abstract

Most lending institutions with offices in metropolitan statistical areas are required by the Home Mortgage Disclosure Act of 1975 (HMDA) to disclose information to the public about applications for home [...]

Published
2005

22. Community banks and rural development: research relating to proposals to revise the regulations that implement the Community Reinvestment Act

Author

Avery, Robert B., Canner, Glenn B., Mok, Shannon C., Sokolov, Dan S., and Tenkean, Onka L.

Subjects
Rural development -- Finance -- Laws, regulations and rules, Banking law -- Interpretation and construction -- Laws, regulations and rules, Community banks -- Laws, regulations and rules, Community Reinvestment Act of 1977, Banking, finance and accounting industries, Business, Government, Government regulation, Company financing, Finance, Interpretation and construction, Laws, regulations and rules
Abstract

Since 1977, the Community Reinvestment Act (CRA) has required that federally insured banking institutions--commercial banks and savings associations--be evaluated on their records of helping to meet the credit needs of [...]

Published
2005

23. An overview of consumer data and credit reporting

Author

Avery, Robert B., Calem, Paul S., and Canner, Glenn B.

Subjects
United States. Federal Reserve Board -- Reports -- Analysis, Consumer credit -- Reports -- Analysis, Banking, finance and accounting industries, Business, Government, Analysis, Reports
Abstract

For some time, the Board of Governors of the Federal Reserve System has sought to obtain more detailed and timely information on the debt status, loan payment behavior, and overall [...]

Published
2003

24. Recent developments in home equity lending

Author

Canner, Glenn B., Durkin, Thomas A., and Luckett, Charles A.

Subjects
Mortgage banks -- Research, Home equity loans -- Research, Mortgages -- Research, Banking, finance and accounting industries, Business, Government, Mortgages, Research
Abstract

Glenn B. Canner, Thomas A. Durkin, and Charles A. Luckett, of the Board's Division of Research and Statistics, prepared this article. The equity that has accumulated in homes is one [...]

Published
1998

25. New information on lending to small businesses and small firms: the 1996 CRA data

Author

Bostic, Raphael W. and Canner, Glenn B.

Subjects
Corporations -- Finance, Commercial loans -- Analysis, Community Reinvestment Act of 1977, Banking, finance and accounting industries, Business, Government, Analysis
Abstract

Raphael W. Bostic and Glenn B. Canner, of the Board's Division of Research and Statistics, prepared this article. Sheryl L. Hudson and John E. Matson provided research assistance. The Community [...]

Published
1998

26. Changes in the distribution of banking offices

Author

Avery, Robert B., Bostic, Raphael W., Calem, Paul S., and Canner, Glenn B.

Subjects
Charters, Branch banks -- Management, Commercial banks, Banking, finance and accounting industries, Business, Government, Company business management, Management
Abstract

Over the past twenty years, major structural changes, including rapid consolidation among institutions, have altered the shape of the banking industry. Structural change has been driven by advances in technology, [...]

Published
1997

27. Distribution of credit risk among providers of mortgages to lower-income and minority homebuyers

Author

Canner, Glenn B., Passmore, Wayne, and Surette, Brian J.

Subjects
United States. Federal Housing Administration -- Statistics, Mortgages -- Statistics, Homeowners -- Demographic aspects -- Statistics, Banking, finance and accounting industries, Business, Government, Mortgages, Statistics, Demographic aspects
Abstract

The financial institutions that bear the credit risk in mortgage lending are critical because without such participants, mortgages cannot be made. Once an institution agrees to assume the risk that [...]

Published
1996

28. Credit risk, credit scoring, and the performance of home mortgages

Author

Avery, Robert B., Bostic, Raphael W., Calem, Paul S., and Canner, Glenn B.

Subjects
Mortgage banks -- Standards, Mortgages -- Standards, Credit management -- Methods, Risk management -- Methods -- Standards, Banking, finance and accounting industries, Business, Government, Mortgages, Risk management, Standards, Methods
Abstract

Institutions involved in lending, including mortgage lending, carefully assess credit risk, which is the possibility that borrowers will fail to pay their loan obligations as scheduled. The judgments of these [...]

Published
1996

29. Credit risk and the provision of mortgages to lower-income and minority homebuyers

Author

Canner, Glenn B. and Passmore, Wayne

Subjects
Mortgages -- Analysis, Consumer credit -- Analysis, Banking, finance and accounting industries, Business, Government, Mortgages, Analysis
Abstract

Glenn B. Canner and Wayne Passmore, of the Board's Division of Research and Statistics, wrote this article. Mark A. Peirce, of the Division of Research and Statistics, and Gary G. [...]

Published
1995

30. Household sector borrowing and the burden of debt

Author

Canner, Glenn B., Kennickell, Arthur B., and Luckett, Charles A.

Subjects
Cost and standard of living -- Statistics -- Economic aspects, Economic indicators -- Statistics, Households -- Economic aspects -- Statistics, United States economic conditions -- Economic aspects -- Statistics, Banking, finance and accounting industries, Business, Government, Statistics, Economic aspects
Abstract

The household sector incurred substantial amounts of home mortgage and consumer installment debt during the economic expansion of 1983--89. Household debts grew considerably faster than income, and aggregate debt outstanding [...]

Published
1995

31. Home purchase lending in low-income neighborhoods and to low-income borrowers

Author

Canner, Glenn B. and Passmore, Wayne

Subjects
Banking law -- Research -- Statistics, Mortgages -- Statistics, Mortgage discrimination -- Research -- Statistics, Banking industry -- Statistics, Loans -- Research -- Statistics, Home Mortgage Disclosure Act of 1975, Community Reinvestment Act of 1977, Banking, finance and accounting industries, Business, Government, Mortgages, Banking industry, Statistics, Research
Abstract

The long-standing debate about whether enough housing credit is being provided in lower-income areas has received renewed attention in recent discussions about how to implement the Community Reinvestment Act. In [...]

Published
1995

32. Private mortgage insurance

Author

Canner, Glenn B. and Passmore, Wayne

Subjects
Mortgage insurance -- Analysis, Banking, finance and accounting industries, Business, Government, Analysis
Abstract

Before extending a mortgage, lenders typically require borrowers to make a sizable down payment to reduce both the risk of default on the loan and the amount they stand to [...]

Published
1994

33. Home equity lending: evidence from recent surveys

Author

Canner, Glenn B., Luckett, Charles A., and Durkin, Thomas A.

Subjects
Home equity loans -- Statistics, Mortgages -- Statistics, Banking, finance and accounting industries, Business, Government, Mortgages, Statistics
Abstract

Accumulated equity in homes is one of the largest components of the wealth of U.S. households. Home equity differs from many other assets in that it cannot be readily used [...]

Published
1994

34. Residential lending to low-income and minority families: evidence from the 1992 HMDA data

Author

Canner, Glenn B., Passmore, Wayne, and Smith, Dolores S.

Subjects
Mortgage banks -- Statistics, Banking law -- Statistics, Mortgage discrimination -- Statistics, Loans -- Statistics, Home Mortgage Disclosure Act of 1975, Banking, finance and accounting industries, Business, Government, Statistics
Abstract

Since 1976, the Home Mortgage Disclosure Act (HMDA) has required most depository institutions with offices in metropolitan areas to provide data on the geographic location of the home purchase and [...]

Published
1994

35. Recent developments in the home equity loan market

Author

Canner, Glenn B., Durkin, Thomas A., and Luckett, Charles A.

Subjects
Banking industry -- Finance, Home equity loans -- Research, Banking, finance and accounting industries, Business
Published
1989

36. Providing information about deposit accounts

Author

Canner, Glenn B. and Ruckdeschel, Fred B.

Subjects
United States. Federal Reserve Board -- Surveys, Deposit banking -- Laws, regulations and rules, Deposit insurance -- Analysis, Financial institutions -- Services, Consumers -- Surveys, Bank accounts, Banking, finance and accounting industries, Business
Published
1987

41. Determinants of consumer credit card usage patterns

Author

Canner, Glenn B. and Ctyrnak, Anthony W.

Subjects
Consumer credit -- Research, Bank credit cards -- Research, Credit cards -- Research, Banking, finance and accounting industries, Business
Published
1986

42. Family debt, net worth: Survey of Consumer Finances, 1983: a second report

Author

Avery, Robert B., Elliehausen, Gregory E., Canner, Glenn B., and Gustafson, Thomas A.

Subjects
United States. Department of Health and Human Services -- Surveys, United States. Federal Reserve Board -- Surveys, Consumers -- Finance, Banking, finance and accounting industries
Abstract

The Survey of Consumer Finances, 1983 sponsored by five government agencies, including the Department of Health and Human Services and the Board of Governors of the Federal Reserve System, provides comprehensive data relating to the assets and liabilities of the 3,824 American households surveyed, information regarding use of financial services, pensions, and attitudes toward consumer credit regulations. Survey results indicate that the largest financial obligation of American families is mortgage debt, with the mean mortgage valued at $27,147. Families having a net worth in excess of $25,000 increased to 50 percent in 1983 from 22 percent in 1970 and 38 percent in 1977. Unmarried persons have the smallest net worth, while figures indicate that net worth increases with age, income, and education (except for the oldest age group).

Published
1985

43. Expanded HMDA data on residential lending: one year later

Author

Canner, Glenn B.

Subjects
Mortgage discrimination -- Analysis -- Social aspects, Mortgages -- Social aspects -- Analysis, Home Mortgage Disclosure Act of 1975, Banking, finance and accounting industries, Business, Government, Mortgages, Social aspects, Analysis
Abstract

Questions about the access of minorities and lower-income households to home mortgage loans continued to draw considerable attention in the past year. Indeed, the release of new data in October [...]

Published
1992

44. Developments in the pricing of credit card services

Author

Canner, Glenn B., Luckett, Charles A., Cook, Wayne C., and Peirce, Mark A.

Subjects
Credit and debit card industry -- Prices and rates, Credit cards -- Prices and rates, Banking, finance and accounting industries, Business, Government, Company pricing policy, Prices and rates
Abstract

This article was prepared by Glenn B. Canner and Charles A. Luckett of the Board's Division of Research and Statistics. Wayne C. Cook and Mark A. Peirce provided research assistance. [...]

Published
1992

45. Home Mortgage Disclosure Act: expanded data on residential lending

Author

Canner, Glenn B. and Smith, Dolores S.

Subjects
Mortgage banks -- Statistics, Disclosure of information (Banking law) -- Laws, regulations and rules -- Statistics, Mortgages -- Statistics, Home Mortgage Disclosure Act of 1975, Banking, finance and accounting industries, Business, Government, Government regulation, Mortgages, Statistics, Laws, regulations and rules
Abstract

Since 1976, most banks and other depository institutions that have offices in metropolitan areas have been required, under the Home Mortgage Disclosure Act (HMDA), to disclose to the public information [...]

Published
1991

46. Payment of household debts

Author

Canner, Glenn B., Luckett, Charles A., Cook, Wayne C., and Middleton, Nellie D.

Subjects
Debt -- Analysis, Households -- Finance -- Analysis, Home economics -- Accounting and auditing -- Analysis, Banking, finance and accounting industries, Business, Government, Company financing, Finance, Accounting and auditing, Analysis
Abstract

The indebtedness of U.S. households grew substantially in the decade that ended last year. The sum of home mortgages and consumer debt outstanding rose from $1.3 trillion at the end [...]

Published
1991

47. Mortgage refinancing

Author

Canner, Glenn B., Luckett, Charles A., and Durkin, Thomas A.

Subjects
Reverse annuity mortgages -- Analysis, Dwellings -- Finance -- Analysis, Housing -- Finance -- Analysis, Mortgages -- Refinancing, Home equity conversion -- Analysis, Banking, finance and accounting industries, Business, Government, Company financing, Finance, Analysis
Abstract

Mortgage Refinancing This article was prepared by Glenn B. Canner and Charles A. Luckett of the Board's Division of Research and Statistics, and Thomas A. Durkin of the Office of [...]

Published
1990

48. Revitalizing the Fed's Functional Cost Analysis program. (US Federal Reserve System)

Author

Canner, Glenn B. and Varvel, Walter A.

Subjects
United States. Federal Reserve Board -- Services, Banking industry -- Management, Banking, finance and accounting industries, Business
Abstract

The US Federal Reserve System's (Fed) Functional Cost Analysis (FCA) program is being revised. The FCA program provides peer-group data in the areas of cost, revenue, profitability, and productivity to participating financial institutions. A new product management structure is being adopted to help increase participation and coordinate the activities of the Fed: a product manager will coordinate the FCA program's activities on the national level. Improvements to the program will be implemented, including a revision of the design of reports and the addition of new product lines. A new pricing structure is being implemented in order to cover more of the costs of the FCA program.

Published
1991

49. Credit report accuracy and access to credit

Author

Avery, Robert B., Calem, Paul S., and Canner, Glenn B.

Subjects
Commercial credit -- Access control -- Management -- Laws, regulations and rules, Business reports -- Laws, regulations and rules -- Management, Banking, finance and accounting industries, Business, Government, Government regulation, Company business management, Access control, Management, Laws, regulations and rules
Abstract

Information that credit-reporting agencies maintain on consumers' credit-related experiences plays a central role in U.S. credit markets. Creditors consider such data a primary factor when they monitor the credit circumstances [...]

Published
2004

50. CRA Special Lending Programs

Author

Avery, Robert B., Bostic, Raphael W., and Canner, Glenn B.

Subjects
Finance -- Laws, regulations and rules, Banking, finance and accounting industries, Business, Government
Abstract

Increasing the flow of credit to lower-income households and communities has been the focus of many public-sector programs, such as those of the Federal Housing Administration and the Rural Housing [...]

Published
2000

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