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Who Invests in Home Equity to Exempt Wealth from Bankruptcy?
(2013-05-01)
Homestead exemptions to personal bankruptcy allow households to retain their home equity up to a limit determined at the state level. Households that may experience bankruptcy thus have an incentive to bias their portfolios ...
Did Consumers Want Less Debt? Consumer Credit Demand versus Supply in the Wake of the 2008-2009 Financial Crisis
(2014-01-01)
We explore the sources of household balance sheet adjustment following the collapse of the housing market in 2006. First, we use microdata from the Federal Reserve Board’s Senior Loan Officer Opinion Survey to document ...
SIPP
The Survey of Income and Program Participation (SIPP) is a household-based survey designed as a continuous series of national panels. Each panel features a nationally representative sample interviewed over a multi-year ...
Destatis
The Federal Statistical Office is the institution to contact first for official data on the society, the economy, the environment and the state. We provide objective statistics that have been compiled in a neutral and ...
Equifax
"Equifax Inc. is an American multinational consumer credit reporting agency and is one of the three largest consumer credit reporting agencies, along with Experian and TransUnion (together known as the ""Big Three"").[5] ...