Dubravka Ritter

Federal Reserve Bank of Philadelphia

Ten Independence Mall

Philadelphia, PA 19106-1574

United States

SCHOLARLY PAPERS

13

DOWNLOADS

1,554

SSRN CITATIONS

5

CROSSREF CITATIONS

7

Scholarly Papers (13)

1.

Fair Lending Analysis of Credit Cards

FRB of Philadelphia - Payment Cards Center Discussion Paper No. 14-2
Number of pages: 50 Posted: 20 Aug 2014
David Skanderson and Dubravka Ritter
Charles River Associates (CRA) and Federal Reserve Bank of Philadelphia
Downloads 344 (157,741)
Citation 4

Abstract:

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ECOA, Regulation B, Discrimination, Fair lending, Consumer lending, disparate treatment, Disparate impact, Credit card, Scoring model, Model governance

2.

Do Student Loan Borrowers Opportunistically Default? Evidence from Bankruptcy Reform

FRB of Philadelphia Working Paper No. 15-17R
Number of pages: 51 Posted: 11 Apr 2015 Last Revised: 26 Mar 2016
Rajeev Darolia and Dubravka Ritter
Martin School of Public Policy and Federal Reserve Bank of Philadelphia
Downloads 213 (256,215)

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Bankruptcy, Bankruptcy Reform, BAPCPA, Default, Student Loans

3.

Modern Income-Share Agreements in Postsecondary Education: Features, Theory, Applications

FRB of Philadelphia Payment Cards Center Discussion Paper No. 19-6
Number of pages: 42 Posted: 08 Dec 2019 Last Revised: 29 Apr 2020
Dubravka Ritter and Douglas A. Webber
Federal Reserve Bank of Philadelphia and Temple University - Department of Economics
Downloads 202 (269,036)

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income-share agreements, ISA, student loans, student debt, student loan repayment, higher education, income-driven repayment, IDR, income-based repayment, IBR, income- contingent loans, income-contingent repayment, ICR

4.

Financial Consequences of Identity Theft: Evidence from Consumer Credit Bureau Records

FRB of Philadelphia Working Paper No. 19-2
Number of pages: 46 Posted: 14 Jan 2019 Last Revised: 29 Apr 2020
Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Philadelphia, Consumer Finance Institute, Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Philadelphia and Federal Reserve Banks - Federal Reserve Bank of Philadelphia
Downloads 175 (305,807)

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fraud alert, consumer protection, identity theft, credit reports, Risk Score

5.

Do We Still Need the Equal Credit Opportunity Act?

FRB of Philadelphia - Payment Cards Center Discussion Paper No. 12-03
Number of pages: 43 Posted: 16 Oct 2012
Dubravka Ritter
Federal Reserve Bank of Philadelphia
Downloads 118 (419,889)
Citation 6

Abstract:

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ECOA, discrimination, fair lending, disparate treatment, disparate impact

6.
Downloads 114 (430,680)

Identity Theft as a Teachable Moment

FRB of Philadelphia Working Paper No. 16-27
Number of pages: 49 Posted: 27 Oct 2016
Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Philadelphia, Consumer Finance Institute, Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Philadelphia and Federal Reserve Banks - Federal Reserve Bank of Philadelphia
Downloads 114 (432,674)
Citation 1

Abstract:

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inattention, salience, identity theft, extended fraud alert, risk score, consumer protection, credit reports, Fair and Accurate Credit Transactions Act (FACTA)

Identity Theft as a Teachable Moment

FRB of Philadelphia Working Paper No. 14-28
Posted: 24 Sep 2014
Federal Reserve Bank of Philadelphia, Consumer Finance Institute, Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Philadelphia and Federal Reserve Banks - Federal Reserve Bank of Philadelphia

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Inattention, Identity theft, Fraud alert, Consumer protection, Credit report, Fair and Accurate Credit Transactions Act (FACTA), Propensity score matching

7.

Strategic Default Among Private Student Loan Debtors: Evidence from Bankruptcy Reform

FRB of Philadelphia Working Paper No. 17-38
Number of pages: 39 Posted: 05 Nov 2017
Rajeev Darolia and Dubravka Ritter
Martin School of Public Policy and Federal Reserve Bank of Philadelphia
Downloads 96 (486,597)

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student loans, bankruptcy, bankruptcy reform

8.

Consumer Use of Fraud Alerts and Credit Freezes: An Empirical Analysis

FRB of Philadelphia - Payment Cards Center Discussion Paper No. 14-4
Number of pages: 40 Posted: 24 Sep 2014
Federal Reserve Bank of Philadelphia, Consumer Finance Institute, Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Philadelphia and Federal Reserve Banks - Federal Reserve Bank of Philadelphia
Downloads 92 (500,116)
Citation 1

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Data breach, identity theft, fraud alert, credit freeze, credit report, Fair and Accurate Credit Transactions Act (FACTA)

9.

Financial Consequences of Severe Identity Theft in the U.S

FRB of Philadelphia Working Paper No. 21-41
Number of pages: 59 Posted: 03 Dec 2021
Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Philadelphia, Consumer Finance Institute, Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Philadelphia and Federal Reserve Banks - Federal Reserve Bank of Philadelphia
Downloads 82 (536,972)

Abstract:

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identity theft, fraud alert, consumer credit, credit performance, limited attention, inattention

10.

Financial Consequences of Identity Theft

FRB of Philadelphia Working Paper No. 20-33
Number of pages: 60 Posted: 14 May 2021
Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Philadelphia, Consumer Finance Institute, Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Philadelphia and Federal Reserve Banks - Federal Reserve Bank of Philadelphia
Downloads 73 (574,190)

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11.

The Racial Wealth Gap, Financial Aid, and College Access

FRB of Philadelphia Working Paper No. 22-32
Number of pages: 56 Posted: 27 Sep 2022
Phillip B. Levine and Dubravka Ritter
Wellesley College and Federal Reserve Bank of Philadelphia
Downloads 41 (750,247)

Abstract:

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racial wealth gap, racial wealth inequality, consumer finance, household finance, financial aid, FAFSA, college access, student loans, student debt

12.

The Racial Wealth Gap, Financial Aid, and College Access

NBER Working Paper No. w30490
Number of pages: 56 Posted: 26 Sep 2022 Last Revised: 14 Apr 2023
Phillip Levine and Dubravka Ritter
Wellesley College and Federal Reserve Bank of Philadelphia
Downloads 4 (1,070,486)
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13.

The Lingering Fiscal Effects of the Covid-19 Pandemic on Higher Education

FRB of Philadelphia Payment Cards Center Discussion Paper No. DP21-1
Posted: 26 May 2021
Robert Kelchen, Dubravka Ritter and Douglas A. Webber
Seton Hall University, Federal Reserve Bank of Philadelphia and Temple University - Department of Economics

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