Asset building
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
Working Paper
Targeted Business Incentives and the Debt Behavior of Households
The empirical effects of place-based tax incentive schemes designed to aid low-income communities are unclear.
February 01, 2016
Special Report
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, 2015
Special Report
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, 2014