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Wilbert van der Klaauw |
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Economic Research Advisor |
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A Check-In on the Mortgage Market Who’s Paying Those Overdraft Fees? Student Loan Delinquencies Are Back, and Credit Scores Take a Tumble Recent Shifts Seen in Consumers’ Public Policy Expectations Breaking Down Auto Loan Performance Income Growth Outpaces Household Borrowing Mortgage Lock‑In Spurs Recent HELOC Demand Delinquency Is Increasingly in the Cards for Maxed-Out Borrowers The Post-Pandemic Shift in Retirement Expectations in the U.S. 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 The Survey of Consumer Expectations: A Look Back at the Past Decade Learning by Bouncing: Overdraft Experience and Salience How and Why Do Consumers Use “Buy Now, Pay Later”? 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 Borrower Expectations for the Return of Student Loan Repayment Who Is Offered and Uses Buy Now, Pay Later? A Consumers’ Perspective on the Recent Movements in Inflation Credit Card Markets Head Back to Normal after Pandemic Pause How Do Firms Adjust Prices in a High Inflation Environment? 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? New SCE Charts Include a Measure of Longer-Term Inflation Expectations Historically Low Delinquency Rates Coming to an End What Do Consumers Think Will Happen to Inflation? Refinance Boom Winds Down What Might Happen When Student Loan Forbearance Ends? What Are Consumers’ Inflation Expectations Telling Us Today? Car Prices Drive Up Borrowing Credit Card Trends Begin to Normalize after Pandemic Paydown Have Consumers’ Long-Run Inflation Expectations Become Un-Anchored? Forbearance Participation Declines as Programs’ End Nears Who Received Forbearance Relief? Consumer Credit Demand, Supply, and Unmet Need during the Pandemic 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 An Update on How Households Are Using Stimulus Checks Mortgage Rates Decline and (Prime) Households Take Advantage Following Borrowers Through Forbearance How Do Consumers Believe the Pandemic Will Affect the Economy and Their Households? How Have Households Used Their Stimulus Payments and How Would They Spend the Next? Consumers Expect Modest Increase in Spending Growth and Continued Government Support Debt Relief and the CARES Act: Which Borrowers Face the Most Financial Strain? Debt Relief and the CARES Act: Which Borrowers Benefit the Most? The Disproportionate Effects of Covid-19 on Households with Children A Monthly Peek into Americans’ Credit During the COVID-19 Pandemic Inequality in U.S. Homeownership Rates by Race and Ethnicity Measuring Racial Disparities in Higher Education and Student Debt Outcomes Do College Tuition Subsidies Boost Spending and Reduce Debt? Impacts by Income and Race Consumers Increasingly Expect Additional Government Support amid COVID-19 Pandemic Inflation Expectations in Times of COVID-19 Amid the COVID-19 Outbreak, Consumers Temper Spending Outlook U.S. Consumer Debt Payments and Credit Buffers on the Eve of COVID-19 How Widespread Is the Impact of the COVID-19 Outbreak on Consumer Expectations? Charging into Adulthood: Credit Cards and Young Consumers Racial Disparities in Student Loan Outcomes Introducing the SCE Public Policy Survey Is Free College the Solution to Student Debt Woes? Who Borrows for College—and Who Repays? Mind the Gap in Delinquency Rates Press Briefing on the Evolution and Future of Homeownership Did Changes in Economic Expectations Foreshadow Swings in the 2018 Elections? Shifts in Credit Market Participation over Two Decades Economic Expectations Grow Less Polarized since the 2016 Election Introducing the SCE Household Spending Survey Auto Loans in High Gear A Closer Look at Recent Tightening in Consumer Credit A Look at Borrowing, Repayment, and Bankruptcy Rates by Age Just Released: Cleaning Up Collections Mixed Impacts of the Federal Tax Reform on Consumer Expectations 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: Political Polarization in Consumer Expectations Are Student Loan Defaults Cyclical? It Depends Who Is More Likely to Default on Student Loans 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 Valuing Workplace Benefits Household Borrowing in Historical Perspective Diplomas to Doorsteps: Education, Student Debt, and Homeownership At the N.Y. Fed: Press Briefing on Household Borrowing with Close-Up on Student Debt Just Released: Total Household Debt Nears 2008 Peak but Debt Picture Looks Much Different Just Released: Subprime Auto Debt Grows Despite Rising Delinquencies Just Released: Press Briefing on the Survey of Consumer Expectations How Do People Revise Their Inflation Expectations? Puerto Rico’s Evolving Household Debts Just Released: Recent Developments in Consumer Credit Card Borrowing Which Households Have Negative Wealth? Just Released: Hints of Increased Hardship in America’s Oil-Producing Counties Just Released: Five New Data Series on Consumer Expectations The Graying of American Debt Whither Mortgages? Just Released: Household Debt Grew Slowly in 2015 as Mortgage Balances Stayed Flat Who is Driving the Recent Decline in Consumer Inflation Expectations? Just Released: New and Improved Charts and Data on Auto Loans Just Released: Releveraging the Consumer Credit Panel with Two New Charts The Survey of Consumer Expectations Turns Two! Just Released: Mortgage Borrowing among Most Creditworthy Abates Just Released: Press Briefing on Student Loan Borrowing and Repayment Trends, 2015 Just Released: SCE Credit Access Survey Shows Higher Likelihood of Consumers Applying for Credit 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 Household Formation within the “Boomerang Generation” Just Released: Household Debt Balances Increase as Deleveraging Period Concludes Introducing the SCE Credit Access Survey Introducing the SCE Housing Survey Just Released: Looking under the Hood of the Subprime Auto Lending Market What Americans (Don’t) Know about Student Loan Collections Rising Household Debt: Increasing Demand or Increasing Supply? Just Released: Who’s Borrowing Now? The Young and the Riskless! Introducing the FRBNY Survey of Consumer Expectations: Household Finance Expectations Introducing the FRBNY Survey of Consumer Expectations: Labor Market Expectations Introducing the FRBNY Survey of Consumer Expectations: Measuring Price Inflation Expectations Introducing the FRBNY Survey of Consumer Expectations: Survey Goals, Design, and Content Just Released: Deleveraging Decelerates and Household Balances Increase Unmet Credit Demand of American Households Just Released: Who Is Driving the Auto Lending Recovery? My Two (Per)cents: How Are American Workers Dealing with the Payroll Tax Hike? Just Released: The Geography of Student Debt Just Released: Press Briefing on Household Debt and Credit Nudging Inflation Expectations: An Experiment Just Released: Has Household Deleveraging Continued? A Boost in Your Paycheck: How Are U.S. Workers Using the Payroll Tax Cut? Grading Student Loans Flip This House: Investor Speculation and the Housing Bubble Inflation Expectations and Behavior: Do Survey Respondents Act on Their Beliefs? Just Released: Household Debt and Credit Developments in the Nation and the Region in 2011:Q1 What Is Driving the Recent Rise in Consumer Inflation Expectations? Have Consumers Been Deleveraging? Wilbert van der Klaauw'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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