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Consumer Credit

The Federal Reserve Is Updating the Community Reinvestment Act. Here’s How You Can Help.

Whether you are a community-service organization member, an economic development professional or simply interested in helping communities in our region thrive, your comments and ideas are a critical part of ensuring an inclusive financial services industry.

January 13, 2021

Consumer Credit

Articles and resources related to consumer credit.

March 04, 2020

Texas Subprime Borrowers Rely on Unconventional Home Loans

How do low- and moderate-income Texans fare in becoming homeowners?

November 20, 2019

Student Loans Part 1: Get the Numbers Right

Student loan borrowing presents an exception to the trend of lower household debt since the recent recession. The total amount of student loan debt almost tripled in a decade, from about $346 billion in fourth quarter 2004 to $1.12 trillion in second quarter 2014, based on the Federal Reserve Bank of New York Consumer Credit Panel/Equifax data.

November 18, 2016

Student Loans Part 2: Borrowing for a Future

While rising student debt remains a source of concern in the U.S., student loans nevertheless play an important role in financing higher education. The number of student borrowers in Texas and the amount borrowed continue to climb, as shown in Part 1 of the Federal Reserve Bank of Dallas' analysis of student loan activity in the state. Even so, Texans have low student loan debt compared with borrowers across the U.S.

November 16, 2016

Consumer Credit Resource Center

The Consumer Credit Resource Center features annual updates of consumer credit conditions in the Eleventh Federal Reserve District and a series of studies of the student loan market in Texas.

November 16, 2016

New Era for Payday Lending: Regulation, Innovation and the Road Ahead

This article provides an overview of the latest in Texas' payday lending field and low-cost alternatives.

November 11, 2016

Promoting the economic resilience and mobility of underserved communities.

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