Board of Governors of the Federal Reserve System

Federal Reserve System Research

• The Middle Class Is Saving Less, and High-Cost Credit Card Debt May Play a Major Role, Federal Reserve Bank of Chicago
  December 2022
• Home Mortgage Lending by Race and Income in a Time of Low Interest Rates: Examples from Select Counties in Kentucky, Ohio, and Pennsylvania from 2018 through 2021, Federal Reserve Bank of Cleveland
  November 2022
• Has Bank Consolidation Changed People’s Access to a Full-Service Bank Branch? Federal Reserve Bank of Cleveland
  July 2022
• Paycheck Protection Program: County-Level Determinants and Effect on Unemployment, Federal Reserve Bank of Dallas, Working Paper 2105
  May 2021
• The Geography of Jobs and the Gender Wage Gap, Federal Reserve Bank of Dallas, Working Paper 2028
  October 2020
• An Uphill Battle: COVID-19's Outsized Toll on Minority-Owned Firms, Federal Reserve Bank of Cleveland
  October 2020
• Black Workers at Risk for 'Last Hired, First Fired,' Federal Reserve Bank of Dallas, Southwest Economy
  Second Quarter 2020
• Family Characteristics and Macroeconomic Factors in U.S. Intragenerational Family Income Mobility, 1978–2014, Federal Reserve Bank of Minneapolis, System Working Paper 19-08
  October 2019
• Accounting for racial wealth disparities in the United States, Federal Reserve Bank of Boston, Working Paper 19-13
  December 2019
• The Dynamics of the Racial Wealth Gap, Federal Reserve Bank of Cleveland, Working Paper 19-18
  October 2019
• What Explains Neighborhood Sorting by Income and Race? Federal Reserve Bank of Cleveland, Working Paper 18-08R
  October 2019
• Unequal Access to Credit: The Hidden Impact of Credit Constraints, Federal Reserve Bank of New York
  September 2019
• As Wages Rise, Are Black Workers Seeing the Smallest Gains? Dallas Fed Economics
  July 2019
• Test Questions, Economic Outcomes, and Inequality, Federal Reserve Bank of Minneapolis, System Working Paper 19-07
  April 2019
• Credit Card Debt and Consumer Payment Choice: What Can We Learn from Credit Bureau Data? Federal Reserve Bank of Boston, Working Paper 18-7
  October 2018
• Inequality in 3-D: Income, Consumption, and Wealth, Federal Reserve Bank of Minneapolis, System Working Paper 18-14
  May 2018
• Racial Gaps in Labor Market Outcomes in the Last Four Decades and over the Business Cycle, Federal Reserve Bank of Minneapolis, System Working Paper 18-07
  February 2018
• Hysteresis in Employment among Disadvantaged Workers, Federal Reserve Bank of Cleveland, Working Paper 18-01
  March 2018
• Income and Wealth Inequality in America, 1949-2016, Federal Reserve Bank of Minneapolis, Institute Working Paper 9
  June 2018
• Hispanics in the U.S. Labor Market: A Tale of Three Generations, Federal Reserve Bank of Dallas, Working Paper 18-09
  May 2018
• Hysteresis in Employment among Disadvantaged Workers, Federal Reserve Bank of Minneapolis, System Working Paper 18-01
  March 2018
• On Intergenerational Immobility: Evidence that Adult Credit Health Reflects the Childhood Environment, Federal Reserve Bank of Minneapolis, System Working Paper 18-05
  January 2018
• Geographic Inequality of Economic Well-being among U.S. Cities: Evidence from Micro Panel Data, Federal Reserve Bank of Minneapolis, System Working Paper 17-30
  December 2017
• The Unequal Distribution of Economic Education: A Report on the Race, Ethnicity, and Gender of Economics Majors at US Colleges and Universities, Federal Reserve Bank of Minneapolis, System Working Paper 17-27
  November 2017
• The Decline in Intergenerational Mobility After 1980, Federal Reserve Bank of Minneapolis, System Working Paper 17-21
  July 2017
• The Unintended Consequences of Employer Credit Check Bans on Labor and Credit Markets, Federal Reserve Bank of Minneapolis, System Working Paper 17-17
  June 2017
• College Is Not Enough: Higher Education Does Not Eliminate Racial and Ethnic Wealth Gaps, Federal Reserve Bank of Minneapolis, System Working Paper 17-12
  June 2017
• Organizations, Skills, and Wage Inequality, Federal Reserve Bank of Minneapolis, System Working Paper 17-11
  June 2017
• Does Differential Treatment Translate to Differential Outcomes for Minority Borrowers? Evidence from Matching a Field Experiment to Loan-Level Data, Federal Reserve Bank of Minneapolis, System Working Paper 17-14
  June 2017
• Assessing Differences in Labor Market Outcomes Across Race, Age, and Educational Attainment, Federal Reserve Bank of Minneapolis, System Working Paper 17-09
  May 2017
• Levels and Trends in the Income Mobility of U.S. Families, 1977-2012, Federal Reserve Bank of Minneapolis, System Working Paper 17-06
  January 2017
• Does Greater Inequality Lead to More Household Borrowing? New Evidence from Household Data, Federal Reserve Bank of Minneapolis, System Working Paper 17-04
  January 2017
• The Effects of Mortgage Credit Availability: Evidence from Minimum Credit Score Lending Rules, Federal Reserve Bank of Minneapolis, System Working Paper 17-01
  January 2017