Working Papers

The Information Value of the Stress Test and Bank Opacity
With Stavros Peristiani, and Vanessa Savino
Federal Reserve Bank of New York Staff Reports, Number 460, July 2010

Competition and Adverse Selection in the Small-Dollar Loan Market: Overdraft versus Payday Credit
With Brian T. Melzer
Federal Reserve Bank of New York Staff Reports, Number 391, Revised December 2009

Seismic Effects of the Bankruptcy Reform 
With Benjamin Iverson and Matthew Botsch
Federal Reserve Bank of New York Staff Reports, Number 358, November 2008
30 pages / 733 kb

Payday Holiday: How Households Fare after Payday Credit Bans 
With Michael R. Strain
Federal Reserve Bank of New York Staff Reports, Number 309, Revised February 2008
49 pages / 610 kb

Defining and Detecting Predatory Lending 
Federal Reserve Bank of New York Staff Reports, Number 273, January 2007
37 pages / 293 kb

Bond Market Discipline of Banks: Is the Market Tough Enough? 
With Kevin J. Stiroh
Federal Reserve Bank of New York Staff Reports, Number 95, December 1999
29 pages / 123 kb

Work in Progress:

Bank Loan Pricing

Predatory Lending

Financial Intermediaries as a savings enforcement mechanism

Internal Projects:

Senior Loan Officer Opinion Survey on Bank Lending Practices

Data:

Commercial Credit Standards

Donald Morgan'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.