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

21

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3,294

SSRN CITATIONS
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Top 20,736

in Total Papers Citations

39

CROSSREF CITATIONS

14

Scholarly Papers (21)

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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 909 (42,041)

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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 736 (55,994)
Citation 12

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 464 (99,084)
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 272 (179,448)
Citation 2

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accounting rule change, mortgage loans, model risk

3.

Bank Income and Adjustment to Debit Card Interchange Regulation

Downloads 285 (171,960)
Citation 3

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 172 (277,129)
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 113 (387,259)
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 269 (182,424)
Citation 4

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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 200 (242,348)
Citation 3

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

6.

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

Downloads 179 (267,496)
Citation 2

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 134 (340,767)

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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
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 45 (653,733)
Citation 3

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7.

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

Downloads 162 (291,463)

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 91 (450,120)

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

FEDS Working Paper No. 2017-115
Number of pages: 48 Posted: 06 Aug 2020 Last Revised: 15 Dec 2021
Gazi Kara and Cindy M. Vojtech
Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 71 (523,031)
Citation 1

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

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 161 (294,590)
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
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 143 (323,016)
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 133 (341,802)

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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
Sergio Correia, Kevin F. Kiernan, Matthew P. Seay and Cindy M. Vojtech
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 55 (586,752)

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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 45 (639,345)

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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
Maureen Cowhey, Seung Jung Lee, Thomas Popeck Spiller and Cindy M. Vojtech
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 17 (840,252)

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

14.

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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15.

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

FEDS Notes No. 2021-12-03-1
Posted: 05 Jan 2022
Bert Loudis, Sasha Pechenik, Benjamin Ranish, Cindy M. Vojtech and Helen Xu
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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16.

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
Maureen Cowhey, 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, Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System

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17.

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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18.

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, 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 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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20.

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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21.

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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