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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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Learn about the history of the New York Fed and central banking in the United States through articles, speeches, photos and video.
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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.
The growing role of nonbank financial institutions, or NBFIs, in U.S. financial markets is a transformational trend with implications for monetary policy and financial stability.
The New York Fed offers the Central Banking Seminar and several specialized courses for central bankers and financial supervisors.
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The Economic Inequality & Equitable Growth hub is a collection of research, analysis and convenings to help better understand economic inequality.
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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Joelle W. Scally |
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Regional Economic Principal
Phone (212) 720-5661 |
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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 Many Places Still Have Not Recovered from the Pandemic Recession The New York Fed Consumer Credit Panel: A Foundational CMD Data Set Regional Visit Shows Housing Affordability, Infrastructure as Top Issues for Businesses and Communities on Long Island 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 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? Historically Low Delinquency Rates Coming to an End Refinance Boom Winds Down Student Loan Repayment during the Pandemic Forbearance The State of Low Income America: Credit Access and Debt Payment (2022) Car Prices Drive Up Borrowing Credit Card Trends Begin to Normalize after Pandemic Paydown Forbearance Participation Declines as Programs’ End Nears Keeping Borrowers Current in a Pandemic What Happens during Mortgage Forbearance? Small Business Owners Turn to Personal Credit What’s Next for Forborne Borrowers? Credit Card Balance Declines Are Largest Among Older, Wealthier Borrowers 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 U.S. Consumer Debt Payments and Credit Buffers on the Eve of COVID-19 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 Auto Loans in High Gear A Look at Borrowing, Repayment, and Bankruptcy Rates by Age Puerto Rico Post-Maria—Twelve Months of Hardship Just Released: Cleaning Up Collections Just Released: New York Fed Press Briefing Highlights Changes in Home Equity and How It’s Used 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 Just Released: Total Household Debt Nears 2008 Peak but Debt Picture Looks Much Different Just Released: Subprime Auto Debt Grows Despite Rising Delinquencies Puerto Rico’s Evolving Household Debts Just Released: Recent Developments in Consumer Credit Card Borrowing Just Released: Hints of Increased Hardship in America’s Oil-Producing Counties The Graying of American Debt 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 Trends in Debt Concentration in the United States by Income Just Released: Releveraging the Consumer Credit Panel with Two New Charts Just Released: Mortgage Borrowing among Most Creditworthy Abates 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: Deleveraging Decelerates and Household Balances Increase Just Released: Who Is Driving the Auto Lending Recovery? Just Released: The Geography of Student Debt Just Released: Has Household Deleveraging Continued? Joelle W. Scally'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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