Blog Posts

I regularly contribute to the New York Fed's Liberty Street Economics blog. I typically write on household finance and consumer credit with my NY Fed colleagues.

Feburary 14, 2024

How and Why Do Consumers Use “Buy Now, Pay Later”?

with Felix Aidala and Wilbert van der Klaauw

Feburary 6, 2024

Auto Loan Delinquency Revs Up as Car Prices Stress Budgets

with Andrew Haughwout, Donghoon Lee, Joelle Scally, Wilbert van der Klaauw, and Crystal Wang

November 7, 2023

Credit Card Delinquencies Continue to Rise — Who Is Missing Payments?

with Andrew Haughwout, Donghoon Lee, Belicia Rodriguez, Joelle Scally, Wilbert van der Klaauw, and Crystal Wang

October 18, 2023

Borrower Expectations for the Return of Student Loan Repayment

with Raji Chakrabarti, Sasha Thomas, and Wilbert van der Klaauw

October 18, 2023

An Update on the Health of the U.S. Consumer

with Andrew Haughwout, Donghoon Lee, Jonathan McCarthy, Davide Melcangi, Joelle Scally, and Wilbert van der Klaauw

September 26, 2023

Who Uses “Buy Now, Pay Later?”

with Felix Aidala and Wilbert van der Klaauw

May 15, 2023

The Great Pandemic Mortgage Refinance Boom

with Andrew Haughwout, Donghoon Lee, Joelle Scally, and Wilbert van der Klaauw

May 15, 2023

Younger Borrowers Are Struggling with Credit Card and Auto Loan Payments

with Andrew Haughwout, Donghoon Lee, Joelle Scally, and Wilbert van der Klaauw

November 15, 2022

Balances Are on the Rise—So Who Is Taking on More Credit Card Debt?

with Andrew Haughwout, Donghoon Lee, Joelle Scally, and Wilbert van der Klaauw

August 2, 2022

Historically Low Delinquency Rates Coming to an End

with Andrew Haughwout, Donghoon Lee, Joelle Scally, and Wilbert van der Klaauw

May 10, 2022

Refinance Boom Winds Down

with Andrew Haughwout, Donghoon Lee, Joelle Scally, and Wilbert van der Klaauw

February 8, 2022

Car Prices Drive Up Borrowing

with Andrew Haughwout, Donghoon Lee, Joelle Scally, and Wilbert van der Klaauw

February 8, 2022

Credit Card Trends Begin to Normalize after Pandemic Paydown

with Andrew Haughwout, Donghoon Lee, Joelle Scally, and Wilbert van der Klaauw