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The New York Innovation Center bridges the worlds of finance, technology, and innovation and generates insights into high-value central bank-related opportunities.
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The Governance & Culture Reform hub is designed to foster discussion about corporate governance and the reform of culture and behavior in the financial services industry.
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Andrew F. Haughwout |
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Director of Household and Public Policy Research |
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Income Growth Outpaces Household Borrowing Mortgage Lock‑In Spurs Recent HELOC Demand Delinquency Is Increasingly in the Cards for Maxed-Out Borrowers How Are They Now? A Checkup on Homeowners Who Experienced Foreclosure Mortgage Rate Lock-In and Homeowners’ Moving Plans The New York Fed Consumer Credit Panel: A Foundational CMD Data Set Auto Loan Delinquency Revs Up as Car Prices Stress Budgets Credit Card Delinquencies Continue to Rise–Who Is Missing Payments? An Update on the Health of the U.S. Consumer Credit Card Markets Head Back to Normal after Pandemic Pause Elevated Rent Expectations Continue to Pressure Low-Income Households The Great Pandemic Mortgage Refinance Boom Younger Borrowers Are Struggling with Credit Card and Auto Loan Payments Balances Are on the Rise--So Who Is Taking on More Credit Card Debt? Eviction Expectations in the Post-Pandemic Housing Market Historically Low Delinquency Rates Coming to an End Refinance Boom Winds Down Expected Home Price Increases Accelerate over the Short Term but Remain Stable over the Medium Term Car Prices Drive Up Borrowing Credit Card Trends Begin to Normalize after Pandemic Paydown If Prices Fall, Mortgage Foreclosures Will Rise Does the Rise in Housing Prices Suggest a Housing Bubble Forbearance Participation Declines as Programs’ End Nears Keeping Borrowers Current in a Pandemic Small Business Owners Turn to Personal Credit What’s Next for Forborne Borrowers? What Happens during Mortgage Forbearance? Credit Card Balance Declines Are Largest Among Older, Wealthier Borrowers Do People View Housing as a Good Investment and Why? Mortgage Rates Decline and (Prime) Households Take Advantage Following Borrowers Through Forbearance Debt Relief and the CARES Act: Which Borrowers Face the Most Financial Strain? Debt Relief and the CARES Act: Which Borrowers Benefit the Most? A Monthly Peek into Americans’ Credit During the COVID-19 Pandemic Inequality in U.S. Homeownership Rates by Race and Ethnicity Who Has Been Evicted and Why? Municipal Debt Markets and the COVID-19 Pandemic U.S. Consumer Debt Payments and Credit Buffers on the Eve of COVID-19 Helping State and Local Governments Stay Liquid Charging into Adulthood: Credit Cards and Young Consumers Racial Disparities in Student Loan Outcomes Who Borrows for College—and Who Repays? Mind the Gap in Delinquency Rates Press Briefing on the Evolution and Future of Homeownership Shifts in Credit Market Participation over Two Decades Did Tax Reform Raise the Cost of Owning a Home? Auto Loans in High Gear A Look at Borrowing, Repayment, and Bankruptcy Rates by Age Just Released: Cleaning Up Collections Just Released: New York Fed Press Briefing Highlights Changes in Home Equity and How It’s Used Just Released: Is Housing a Good Investment? Where You Stand Depends on Where You Sit Just Released: Great Recession’s Impact Lingers in Hardest-Hit Regions Just Released: Auto Lending Keeps Pace as Delinquencies Mount in Auto Finance Sector Just Released: More Credit Cards, Higher Limits, and . . . an Uptick in Delinquency Household Borrowing in Historical Perspective At the N.Y. Fed: Press Briefing on Household Borrowing with Close-Up on Student Debt A Close Look at the Decline of Homeownership The Homeownership Gap Is Finally Closing Just Released: Total Household Debt Nears 2008 Peak but Debt Picture Looks Much Different Houses as ATMs No Longer The Evolution of Home Equity Ownership How Resilient Is the U.S. Housing Market Now? Just Released: Subprime Auto Debt Grows Despite Rising Delinquencies Puerto Rico’s Evolving Household Debts Just Released: Recent Developments in Consumer Credit Card Borrowing Restoring Economic Growth in Puerto Rico: Introduction to the Series Just Released: Hints of Increased Hardship in America’s Oil-Producing Counties Whither Mortgages? Just Released: Household Debt Grew Slowly in 2015 as Mortgage Balances Stayed Flat Just Released: New and Improved Charts and Data on Auto Loans Some Options for Addressing Puerto Rico’s Fiscal Problems Just Released: Releveraging the Consumer Credit Panel with Two New Charts Just Released: Mortgage Borrowing among Most Creditworthy Abates At the New York Fed: Chapter 9 and Alternatives for Distressed Municipalities and States Just Released: Press Briefing on Student Loan Borrowing and Repayment Trends, 2015 Payback Time? Measuring Progress on Student Debt Repayment Looking at Student Loan Defaults through a Larger Window The Student Loan Landscape Just Released: Student Loan Delinquency Rate Defies Overall Downward Trend in Household Debt and Credit Report for Fourth Quarter 2014 Just Released: Household Debt Balances Increase as Deleveraging Period Concludes Just Released: Looking under the Hood of the Subprime Auto Lending Market Just Released: Does Transportation Spending Make Good Stimulus? Just Released: Who’s Borrowing Now? The Young and the Riskless! Just Released: Deleveraging Decelerates and Household Balances Increase Just Released: Who Is Driving the Auto Lending Recovery? Just Released: The Geography of Student Debt Just Released: Press Briefing on Household Debt and Credit Just Released: Has Household Deleveraging Continued? The Untold Story of Municipal Bond Defaults Fiscal Drag from the State and Local Sector? Historical Echoes: How the BLS Measured Up Grading Student Loans Flip This House: Investor Speculation and the Housing Bubble Just Released: Household Debt and Credit Developments in the Nation and the Region in 2011:Q1 Have Consumers Been Deleveraging? Andrew F. Haughwout's CV 
The views expressed in the papers listed on this page are those of the author(s) and do not necessarily reflect the position of the Federal Reserve Bank of New York or the Federal Reserve System.
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