Consumer finance

Resources

• Consumer Credit Trends

 

Articles

• Reciprocal deposit networks provide means to exceed FDIC’s $250,000 account cap

  Because of their prominence, reciprocal deposits are important in the broader discussion of deposit insurance. Though they have the potential to increase banks’ moral hazard, they also bring increased trust and safety to the banking system.

  November 28, 2023

• Bankers, regulators absorb lessons of Silicon Valley Bank failure as new tests emerge

  Ben Munyan, director of supervisory policy in the Banking Supervision Department at the Federal Reserve Bank of Dallas, discusses the challenges the banking industry faces in an era of rapidly rising interest rates and how Texas institutions have fared.

  September 29, 2023

• Texas’ cheap housing edge slipping away as resilient demand outpaces supply

  Housing affordability has declined in Texas, a top destination for domestic and international migrants drawn by its historically low cost of living.

  April 21, 2023

• COVID-era eviction moratoriums improved financial well-being … while they lasted

  This analysis leverages new eviction and credit data from Dallas County, Texas, to explore the impact of the moratoriums and to examine trends that surfaced once the moratoriums ended.

  April 11, 2023

• Biden student loan relief plan allows increased borrowing, less repayment

  The Biden plan is expected to boost participation in the income-driven repayments that lower the payment burden. Imposing a cap on a borrower’s income to qualify for cancellation or increasing the cancellation amount for low-income borrowers could alleviate the regressive nature of broad loan cancellation.

  September 27, 2022

• Research Department Working Papers

  A Rescue or a Trap?—An Analysis of Parent PLUS Student Loans

  Parents taking out loans for their children’s college educations may face an excessive debt burden that jeopardizes their own financial security. This paper examines the experience of Parent Loan for Undergraduate Students (PLUS) borrowers using administrative data from a large student loan guaranty agency.

  September 09, 2022

• Research Department Working Papers

  The Impact of Minority Representation at Mortgage Lenders

  This paper studies links between the labor market for loan officers and access to mortgage credit.

  June 21, 2022

• Pandemic mortgage relief headed off delinquencies, but what happens now?

  As more Texas mortgages exit forbearance, ZIP codes with larger vulnerability will be at particular risk for financial stress.

  February 25, 2022

• 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

• Southwest Economy, Fourth Quarter 2020

  Go Figure: Loan Delinquencies Start to Climb After Falling with Stimulus and Relief

  COVID-19 stimulus and loan relief helped Texas borrowers avoid falling behind on loan payments in 2020's second quarter.

  December 21, 2020