Cindy M. Vojtech

Board of Governors of the Federal Reserve System

Principal Economist

20th Street and Constitution Avenue NW

Washington, DC 20551

United States

http://https://www.federalreserve.gov/econres/cindy-m-vojtech.htm

  • Board of Governors of the Federal Reserve System

SCHOLARLY PAPERS

17

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2,328

SSRN CITATIONS
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15

CROSSREF CITATIONS

29

Scholarly Papers (17)

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1.

The Relationship Between Information Asymmetry and Dividend Policy

FEDS Working Paper No. 2012-13
Number of pages: 56 Posted: 04 May 2012
Cindy M. Vojtech
Board of Governors of the Federal Reserve System
Downloads 844 (32,404)

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Dividends, earnings management, information asymmetry, Sarbanes-Oxley Act, financial disclosure

2.

The Impact of the Current Expected Credit Loss Standard (CECL) on the Timing and Comparability of Reserves

Downloads 449 ( 73,576)
Citation 6

The Impact of the Current Expected Credit Loss Standard (CECL) on the Timing and Comparability of Reserves

Number of pages: 26 Posted: 01 Nov 2017
Sarah Chae, Robert Sarama, Cindy M. Vojtech and James Wang
Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 240 (145,928)
Citation 2

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accounting rule change, mortgage loans, model risk

The Impact of the Current Expected Credit Loss Standard (Cecl) on the Timing and Comparability of Reserves

FEDS Working Paper No. 2018-020
Number of pages: 28 Posted: 07 Jun 2018 Last Revised: 29 Apr 2020
Sarah Chae, Robert Sarama, Cindy M. Vojtech and James Wang
Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 209 (166,809)
Citation 2

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Accounting rule change, CECL, Mortgage loans, Model risk

3.

Bank Income and Adjustment to Debit Card Interchange Regulation

Downloads 228 (153,840)
Citation 4

Bank Income and Adjustment to Debit Card Interchange Regulation

Number of pages: 49 Posted: 13 Jun 2014 Last Revised: 15 Nov 2016
Benjamin Kay, Mark D. Manuszak and Cindy M. Vojtech
Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 147 (227,710)
Citation 1

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Durbin Amendment, Debit Cards, Dodd-Frank, Bank Competition, Retail Banking

Bank Profitability and Debit Card Interchange Regulation: Bank Responses to the Durbin Amendment

FEDS Working Paper No. 2014-77
Number of pages: 47 Posted: 17 Oct 2014
Benjamin Kay, Mark D. Manuszak and Cindy M. Vojtech
Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 81 (347,764)
Citation 4

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banks, debit cards, Dodd-Frank Act, Durbin Amendment, interchange fees, payments

4.

Corporate Governance Responses to Director Rule Changes

Number of pages: 45 Posted: 05 May 2015
Benjamin Kay and Cindy M. Vojtech
Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 183 (188,718)
Citation 3

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Corporate Governance, Sarbanes Oxley Act, SOX, Natural Experiment, E-Index, Executive Compensation, Corporate Finance

5.

The Effects of Liquidity Regulation on Bank Demand in Monetary Policy Operations

Downloads 143 (232,206)

The Effects of Liquidity Regulation on Bank Demand in Monetary Policy Operations

Number of pages: 53 Posted: 23 May 2016 Last Revised: 24 Oct 2018
Marcelo Rezende, Mary-Frances Styczynski and Cindy M. Vojtech
Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 107 (290,121)

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Liquidity Coverage Ratio, Term Deposit Facility, Monetary Policy, Excess Reserves, Basel III

The Effects of Liquidity Regulation on Bank Demand in Monetary Policy Operations

FEDS Working Paper No. 2016-090
Number of pages: 38 Posted: 28 Nov 2016
Marcelo Rezende, Mary-Frances Styczynski and Cindy M. Vojtech
Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 36 (511,113)

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Liquidity Coverage Ratio, Term Deposit Facility, Monetary Policy, Excess Reserves, Basel III

6.

The Real Consequences of Bank Mortgage Lending Standards

OFR WP 16-05
Number of pages: 53 Posted: 16 May 2016 Last Revised: 19 Dec 2018
Cindy M. Vojtech, Benjamin Kay and John C. Driscoll
Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 129 (251,944)
Citation 6

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Residential Real Estate, Denial Rates, Credit Availability

7.

Bank Failures, Capital Buffers, and Exposure to the Housing Market Bubble

Downloads 114 (275,914)

Bank Failures, Capital Buffers, and Exposure to the Housing Market Bubble

FEDS Working Paper No. 2017-115
Number of pages: 36 Posted: 05 Dec 2017
Gazi Kara and Cindy M. Vojtech
Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 78 (355,758)

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Bank failure, Credit risk, Mortgage risk, Residential real estate

Bank Failures, Capital Buffers, and Exposure to the Housing Market Bubble

Number of pages: 49 Posted: 06 Aug 2020
Gazi Kara and Cindy M. Vojtech
Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 36 (511,113)

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residential real estate, bank failure, credit risk, mortgage risk

8.

How Have Banks Been Managing the Composition of High-Quality Liquid Assets?

FEDS Working Paper No. 2017-092
Number of pages: 28 Posted: 07 Sep 2017 Last Revised: 29 Apr 2020
Jane E. Ihrig, Ashish Kumbhat, Cindy M. Vojtech, Gretchen C. Weinbach and Cindy M. Vojtech
Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System, affiliation not provided to SSRN, Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 98 (305,927)
Citation 1

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HQLA, LCR, Bank balance sheets, Liquid assets, Liquidity management, Reserve balances

9.

How Have Banks Been Managing the Composition of High-Quality Liquid Assets?

Review, Vol. 101, Issue 3, pp. 177-201, 2019
Number of pages: 26 Posted: 06 Dec 2019
Jane E. Ihrig, Cindy M. Vojtech and Gretchen C. Weinbach
Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 64 (392,288)

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10.

Bank Profitability and Debit Card Interchange Regulation: Bank Responses to the Durbin Amendment

FEDS Working Paper No. 2014-77
Number of pages: 47 Posted: 31 May 2017
Benjamin Kay, Mark D. Manuszak and Cindy M. Vojtech
Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 49 (444,303)

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Banks, debit cards, Dodd-Frank Act, Durbin Amendment, interchange fees, payments

11.

Primer on the Forward-Looking Analysis of Risk Events (FLARE) Model: A Top-Down Stress Test Model

FEDS Working Paper No. 2020-015 https://doi.org/10.17016/FEDS.2020.015
Number of pages: 22 Posted: 14 May 2020
Sergio Correia, Kevin F. Kiernan, Matthew P. Seay and Cindy M. Vojtech
Board of Governors of the Federal Reserve System, Independent, Independent and Board of Governors of the Federal Reserve System
Downloads 25 (559,285)

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Bank capital; Stress testing; Comprehensive capital analysis and review (CCAR); Dodd-Frank Act stress tests (DFAST); Financial stability and risk

12.

Accounting for Household Production: A Prototype Satellite Account Using the American Time Use Survey

Review of Income and Wealth, Vol. 55, Issue 2, pp. 205-225, June 2009
Number of pages: 21 Posted: 12 May 2009
J. Steven Landefeld, Barbara Fraumeni and Cindy M. Vojtech
Government of the United States of America - Bureau of Economic Analysis (BEA), U.S. Bureau of Economic Analysis (BEA) and Board of Governors of the Federal Reserve System
Downloads 2 (723,140)
Citation 1
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13.

How Correlated is LIBOR with Bank Funding Costs?

FEDS Notes No. 2020-06-29 https://doi.org/10.17016/2380-7172.2539
Posted: 21 Aug 2020
David Bowman, Chiara Scotti and Cindy M. Vojtech
Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System

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14.

Assessing the Resiliency of Non-DFAST Banks to a Financial Shock

FEDS Notes No. 2020-06-12-1 https://doi.org/10.17016/2380-7172.2514
Posted: 13 Aug 2020
Kevin F. Kiernan and Cindy M. Vojtech
Independent and Board of Governors of the Federal Reserve System

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15.

Assessing the Resiliency of the Banking Industry to a Commercial Real Estate Price Shock

FEDS Notes No. 2019-05-30
Posted: 13 Aug 2019
Cindy M. Vojtech
Board of Governors of the Federal Reserve System

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16.

Post-Crisis Lending by Large Bank Holding Companies

FEDS Notes No. 2017-07-06 https://doi.org/10.17016/2380-7172.1985
Posted: 15 Oct 2017
Cindy M. Vojtech
Board of Governors of the Federal Reserve System

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17.

Why Are Net Interest Margins of Large Banks So Compressed?

FEDS Notes No. 2015-10-05 https://doi.org/10.17016/2380-7172.1612
Posted: 31 Oct 2015
Francisco Covas, Marcelo Rezende and Cindy M. Vojtech
Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System

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