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

SCHOLARLY PAPERS

23

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Top 25,942

in Total Papers Downloads

3,756

SSRN CITATIONS
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SSRN RANKINGS

Top 20,250

in Total Papers Citations

52

CROSSREF CITATIONS

14

Scholarly Papers (23)

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 946 (47,011)

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

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

FEDS Working Paper No. 2018-20
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 549 (94,682)
Citation 5

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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 282 (202,135)
Citation 2

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accounting rule change, mortgage loans, model risk

Bank Income and Adjustment to Debit Card Interchange Regulation

Number of pages: 49 Posted: 13 Jun 2014 Last Revised: 15 Nov 2016
Benjamin S. 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 207 (273,706)
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 S. 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 150 (363,900)
Citation 3

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

4.

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

Number of pages: 93 Posted: 06 Dec 2019 Last Revised: 13 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 348 (162,916)
Citation 6

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5.

Corporate Governance Responses to Director Rule Changes

Number of pages: 45 Posted: 05 May 2015
Benjamin S. Kay and Cindy M. Vojtech
Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 210 (270,895)
Citation 3

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

6.

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

Number of pages: 62 Posted: 05 Dec 2017 Last Revised: 29 Apr 2024
Gazi Kara and Cindy M. Vojtech
Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 196 (288,389)

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Residential real estate, bank failure, credit risk, mortgage risk, house price-to-income ratio

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
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 142 (380,495)

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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. 2016-90
Number of pages: 38 Posted: 28 Nov 2016
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 54 (709,947)
Citation 4

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8.

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 S. 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 176 (317,486)
Citation 6

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Residential Real Estate, Denial Rates, Credit Availability

9.

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

FEDS Working Paper No. 2017-92
Number of pages: 28 Posted: 07 Sep 2017 Last Revised: 29 Apr 2020
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 156 (352,153)
Citation 1

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

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 S. 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 140 (384,189)

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11.

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

FEDS Working Paper No. 2020-15
Number of pages: 22 Posted: 14 May 2020 Last Revised: 09 Jul 2021
Board of Governors of the Federal Reserve System, Independent, Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 70 (611,397)

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

12.

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

FEDS Working Paper No. 2022-9
Number of pages: 26 Posted: 09 Mar 2022
Sergio Correia, Matthew P. Seay 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 63 (645,912)

Abstract:

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Bank capital, Financial insitutions, Stress test

13.

Sentiment in Bank Examination Reports and Bank Outcomes

FEDS Working Paper No. 2022-77
Number of pages: 46 Posted: 21 Nov 2022
University of California, Los Angeles (UCLA), 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 41 (780,735)

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CAMELS, Bank examination reports, Natural language processing, Private supervisory information

14.

Scenario-Based Quantile Connectedness of the U.S. Interbank Liquidity Risk Network

FRB of Boston Supervisory Research & Analysis Unit Working Paper No. SRA 24-02
Number of pages: 44 Posted: 07 Jun 2024
Tomohiro Ando, Jushan Bai, Lina Lu and Cindy M. Vojtech
University of Melbourne - Melbourne Business School, Columbia University, Federal Reserve Bank of Boston and Board of Governors of the Federal Reserve System
Downloads 26 (904,160)

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nuclear norm, Bayesian analysis, scenario-based quantile connectedness, bank supervision, financial stability

15.

Is this Time Different: How are Banks Performing During the Recent Interest Rate Increases Compared to 2004–2006?

FEDS Notes No. 2024-04-12-1
Posted: 18 Apr 2024
Anya Kleymenova, Lori Leu and Cindy M. Vojtech
Board of Governors of the Federal Reserve System, Independent and Board of Governors of the Federal Reserve System

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16.

Testing Bank Resiliency Through Time

FEDS Notes No. 2022-03-18
Posted: 12 Apr 2022
Sergio Correia, Matthew P. Seay 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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17.

New Accounting Framework Faces its First Test: CECL During the Pandemic

FEDS Notes No. 2021-12-03-1
Posted: 05 Jan 2022
Board of Governors of the Federal Reserve System, Independent, Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System and Independent

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18.

How Dynamic is Bank Liquidity, Including When the COVID-19 Pandemic First Set in?

FEDS Notes No. 2021-08-30-1
Posted: 03 Sep 2021
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

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19.

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

FEDS Notes No. 2020-06-12-1
Posted: 09 Jul 2021
Kevin F. Kiernan and Cindy M. Vojtech
Independent and Board of Governors of the Federal Reserve System

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20.

How Correlated is LIBOR with Bank Funding Costs?

FEDS Notes No. 2020-06-29
Posted: 21 Aug 2020
David Bowman, Chiara Scotti and Cindy M. Vojtech
Board of Governors of the Federal Reserve System, Bank of Italy and Board of Governors of the Federal Reserve System

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21.

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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22.

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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23.

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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