Larry Santucci

Federal Reserve Bank of Philadelphia

Advisor and Research Fellow

Ten Independence Mall

Philadelphia, PA 19106-1574

United States

http://https://www.philadelphiafed.org/our-people/larry-santucci

  • Federal Reserve Bank of Philadelphia

SCHOLARLY PAPERS

14

DOWNLOADS
Rank 43,214

SSRN RANKINGS

Top 43,214

in Total Papers Downloads

2,321

TOTAL CITATIONS

7

Ideas:
“  My current research interests include fairness in machine learning-based credit decisions and the effects of housing restrictions on residential composition and wealth accumulation.  ”

  • Federal Reserve Bank of Philadelphia

Scholarly Papers (14)

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1.

Quantifying Cyber Risk in the Financial Services Industry

FRB of Philadelphia Payment Cards Center Discussion Paper No. 18-3
Number of pages: 32 Posted: 14 Dec 2018 Last Revised: 29 Apr 2020
Larry Santucci
Federal Reserve Bank of Philadelphia
Downloads 485 (118,010)

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cyber risk, cybersecurity, risk appetite, risk quantification

2.

How Prevalent Were Racially Restrictive Covenants in 20th Century Philadelphia? A New Spatial Data Set Provides Answers

FRB of Philadelphia Payment Cards Center Discussion Paper No. 19-5
Number of pages: 35 Posted: 03 Dec 2019 Last Revised: 29 Apr 2020
Larry Santucci
Federal Reserve Bank of Philadelphia
Downloads 368 (162,436)

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racially restrictive covenants, exclusionary zoning, segregation, race, property, Philadelphia

3.

The Secured Credit Card Market

FRB of Philadelphia Payment Cards Center Discussion Paper No. 16-3
Number of pages: 31 Posted: 02 Nov 2016
Larry Santucci
Federal Reserve Bank of Philadelphia
Downloads 311 (194,730)

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secured, credit cards

4.

The Time Is Now: Advancing Fairness in Lending Through Machine Learning

FRB of Philadelphia Working Paper No. 22-39
Number of pages: 68 Posted: 22 Nov 2022
Vitaly Meursault, Daniel Moulton, Larry Santucci and Nathan Schor
Federal Reserve Banks - Federal Reserve Bank of Philadelphia, Federal Reserve Banks - Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Philadelphia and Federal Reserve Banks - Federal Reserve Bank of Philadelphia
Downloads 170 (348,551)

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Credit Scores, Group Disparities, Machine Learning, Fairness

5.

Moving into the Mainstream: Who Graduates from Secured Credit Card Programs?

FRB of Philadelphia Payment Cards Center Discussion Paper No. 19-2
Number of pages: 36 Posted: 03 Jul 2019 Last Revised: 29 Apr 2020
Larry Santucci
Federal Reserve Bank of Philadelphia
Downloads 143 (402,500)

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credit cards, secured credit cards, account graduation

6.

Combining Forces to Combat Elder Financial Victimization How Consumers Can Avoid the Financial Pitfalls of Cognitive Aging and What They Should Be Asking Their Financial Institutions

FRB of Philadelphia Payment Cards Center Discussion Paper No. 18-2
Number of pages: 22 Posted: 22 Jun 2018 Last Revised: 29 Apr 2020
Jeanne Rentezelas and Larry Santucci
Federal Reserve Banks - Federal Reserve Bank of Philadelphia and Federal Reserve Bank of Philadelphia
Downloads 135 (421,087)

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elder fraud, financial exploitation, retirement planning

7.

Financial Management Tools and Consumer Confidence: Chase Blueprint

FRB of Philadelphia Payment Cards Center Discussion Paper No. 15-4
Number of pages: 28 Posted: 14 Oct 2015 Last Revised: 21 Oct 2015
Larry Santucci
Federal Reserve Bank of Philadelphia
Downloads 124 (449,700)

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Behavioral consumer finance, Credit cards, Debt repayment, Financial management

8.

The Racial Wealth Gap and The Legacy of Racially Restrictive Housing Covenants

Wharton Pension Research Council Working Paper No. 2023-17
Number of pages: 29 Posted: 30 Oct 2023
Larry Santucci
Federal Reserve Bank of Philadelphia
Downloads 123 (452,552)
Citation 1

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Wealth inequality, racial discrimination, housing covenant, barriers to home ownership, intergenerational wealth transfers

9.

A Tale of Two Vintages: Credit Limit Management Before and after the Card Act and Great Recession

FRB of Philadelphia Payment Cards Center Discussion Paper No. 15-1
Number of pages: 53 Posted: 18 Aug 2015 Last Revised: 21 Oct 2015
Larry Santucci
Federal Reserve Bank of Philadelphia
Downloads 103 (516,225)
Citation 5

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CARD Act, Credit cards, Credit limit increases, Credit limit policy

10.

Is Money Useful in the Conduct of Monetary Policy?

FRB Richmond Economic Quarterly, Vol. 86, No. 4, Fall 2000, pp. 23-48
Number of pages: 26 Posted: 28 Nov 2012
Michael Dotsey, Carl Lantz and Larry Santucci
Federal Reserve Bank of Philadelphia, Independent and Federal Reserve Bank of Philadelphia
Downloads 99 (530,386)

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11.

A Tale of Two Vintages: Credit Limit Management Before and After the CARD Act and Great Recession

FRB of Philadelphia - Payment Cards Center Discussion Paper No. 15-01
Number of pages: 53 Posted: 19 Feb 2015 Last Revised: 24 Oct 2015
Larry Santucci
Federal Reserve Bank of Philadelphia
Downloads 92 (555,937)

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CARD Act, Credit Cards, Credit Limit Increases, Credit Limit Policy

12.

Can Data Sharing Help Financial Institutions Improve the Financial Health of Older Americans?

FRB of Philadelphia Payment Cards Center Discussion Paper No. 17-1
Number of pages: 18 Posted: 28 Jun 2018 Last Revised: 21 Feb 2019
Larry Santucci
Federal Reserve Bank of Philadelphia
Downloads 72 (640,854)

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elder fraud, financial exploitation, Gramm-Leach-Bliley Act, data privacy

13.

What Happened to the Revolving Credit Card Balances of 2009?

FRB of Philadelphia Payment Cards Center Discussion Paper No. 16-1
Number of pages: 42 Posted: 25 May 2016
Larry Santucci
Federal Reserve Bank of Philadelphia
Downloads 72 (640,854)
Citation 1

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Credit cards, Revolving balance, Deleveraging

14.

Foreclosure Kids: Examining the Early Adult Credit Usage of Adolescents Affected by Foreclosure

FRB of Philadelphia Working Paper No. 22-21
Number of pages: 38 Posted: 25 Aug 2022
Alaina Barca, Larry Santucci and Leigh-Ann Wilkins
Federal Reserve Banks - Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Philadelphia and Federal Reserve Banks - Federal Reserve Bank of Philadelphia
Downloads 24 (974,059)

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foreclosure, credit scores, intergenerational credit, household finance