W. Scott Frame

Federal Reserve Bank of Dallas

Vice President

2200 N Pearl Street

Dallas, TX 75201

United States

  • Federal Reserve Bank of Dallas

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    • Tel: 214-922-6984
SCHOLARLY PAPERS

49

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473

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214

Scholarly Papers (49)

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1.

Technological Change, Financial Innovation, and Diffusion in Banking

Downloads 3,271 ( 5,111)
Citation 18

Technological Change, Financial Innovation, and Diffusion in Banking

NYU Working Paper No. 2451/33549
Number of pages: 37 Posted: 16 Jan 2014
W. Scott Frame, Lawrence J. White and Lawrence J. White
Federal Reserve Bank of Dallas and New York University (NYU) - Leonard N. Stern School of Business, Department of EconomicsStern School of Business, New York University
Downloads 2,671 (6,971)
Citation 4

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technological change; financial innovation, diffusion; banking

Technological Change, Financial Innovation, and Diffusion in Banking

Federal Reserve Bank of Atlanta Working Paper 2009-10
Number of pages: 33 Posted: 16 Jul 2009
W. Scott Frame, Lawrence J. White and Lawrence J. White
Federal Reserve Bank of Dallas and New York University (NYU) - Leonard N. Stern School of Business, Department of EconomicsStern School of Business, New York University
Downloads 312 (136,277)
Citation 9

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technological change, financial innovation, banking

Technological Change, Financial Innovation, and Diffusion in Banking

Number of pages: 32 Posted: 16 Jul 2009
W. Scott Frame, Lawrence J. White and Lawrence J. White
Federal Reserve Bank of Dallas and New York University (NYU) - Leonard N. Stern School of Business, Department of EconomicsStern School of Business, New York University
Downloads 288 (148,316)
Citation 6

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Technological change, financial innovation, banking

2.

Credit Scoring and the Availability, Price, and Risk of Small Business Credit

FRB of Atlanta Working Paper No. 2002-6, FEDS Working Paper No. 2002-26
Number of pages: 39 Posted: 23 Jun 2002
Allen N. Berger, W. Scott Frame and Nathan Miller
University of South Carolina - Darla Moore School of Business, Federal Reserve Bank of Dallas and Georgetown University - McDonough School of Business
Downloads 2,810 (6,590)
Citation 59

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Banks, credit scoring, small business, risk

3.

Technological Change and Financial Innovation in Banking: Some Implications for Fintech

FRB Atlanta Working Paper No. 2018-11
Number of pages: 34 Posted: 08 Oct 2018 Last Revised: 29 Apr 2020
W. Scott Frame, Larry D. Wall, Lawrence J. White and Lawrence J. White
Federal Reserve Bank of Dallas, Federal Reserve Bank of Atlanta - Research Department and New York University (NYU) - Leonard N. Stern School of Business, Department of EconomicsStern School of Business, New York University
Downloads 2,019 (11,218)
Citation 5

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financial innovations, technological change, banking, fintech

4.

Empirical Studies of Financial Innovation: Lots of Talk, Little Action?

Downloads 1,345 ( 20,910)
Citation 41

Empirical Studies of Financial Innovation: Lots of Talk, Little Action?

FRB of Atlanta Working Paper No. 2002-12
Number of pages: 40 Posted: 05 Dec 2002
W. Scott Frame, Lawrence J. White and Lawrence J. White
Federal Reserve Bank of Dallas and New York University (NYU) - Leonard N. Stern School of Business, Department of EconomicsStern School of Business, New York University
Downloads 1,076 (28,580)
Citation 42

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financial innovation, banking, securities, patents

Empirical Studies of Financial Innovation: Lots of Talk, Little Action?

NYU Working Paper No. EC-02-18
Number of pages: 38 Posted: 31 Oct 2008
W. Scott Frame, Lawrence J. White and Lawrence J. White
Federal Reserve Bank of Dallas and New York University (NYU) - Leonard N. Stern School of Business, Department of EconomicsStern School of Business, New York University
Downloads 269 (158,998)
Citation 1

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Financial innovation, banking, securities, patents

5.

The Diffusion of Financial Innovations: An Examination of the Adoption of Small Business Credit Scoring by Large Banking Organizations

Downloads 1,038 ( 30,612)
Citation 20

The Diffusion of Financial Innovations: An Examination of the Adoption of Small Business Credit Scoring by Large Banking Organizations

FRB Atlanta Working Paper No. 2001-9
Number of pages: 27 Posted: 30 May 2001
Jalal D. Akhavein, W. Scott Frame, Lawrence J. White and Lawrence J. White
Fitch Ratings Inc., Federal Reserve Bank of Dallas and New York University (NYU) - Leonard N. Stern School of Business, Department of EconomicsStern School of Business, New York University
Downloads 778 (45,016)
Citation 26

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Credit scoring, small business lending, financial innovation, technology diffusion

The Diffusion of Financial Innovations: An Examination of the Adoption of Small Business Credit Scoring by Large Banking Organizations

NYU Working Paper No. EC-01-08
Number of pages: 26 Posted: 31 Oct 2008
Jalal D. Akhavein, W. Scott Frame, Lawrence J. White and Lawrence J. White
Fitch Ratings Inc., Federal Reserve Bank of Dallas and New York University (NYU) - Leonard N. Stern School of Business, Department of EconomicsStern School of Business, New York University
Downloads 260 (164,611)

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Credit Scoring, Small Business Lending, Financial Innovation, Technology Diffusion

The Diffusion of Financial Innovations: An Examination of the Adoption of Small Business Credit Scoring by Large Banking Organizations

Journal of Business, Vol 78, No. 2, March 2005
Posted: 01 May 2006
Jalal D. Akhavein, W. Scott Frame, Lawrence J. White and Lawrence J. White
Fitch Ratings Inc., Federal Reserve Bank of Dallas and New York University (NYU) - Leonard N. Stern School of Business, Department of EconomicsStern School of Business, New York University

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Credit scoring, small business lending, financial innovation, technology diffusion

6.

Small Business Credit Scoring and Credit Availability

Downloads 990 ( 32,668)
Citation 10

Small Business Credit Scoring and Credit Availability

FRB of Atlanta Working Paper No. 2005-10
Number of pages: 26 Posted: 14 Jun 2005
Allen N. Berger and W. Scott Frame
University of South Carolina - Darla Moore School of Business and Federal Reserve Bank of Dallas
Downloads 990 (32,201)
Citation 15

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Banks, credit scoring, small business

Small Business Credit Scoring and Credit Availability

University of Illinois at Urbana-Champaign's Academy for Entrepreneurial Leadership Historical Research Reference in Entrepreneurship
Posted: 01 Dec 2009
Allen N. Berger and W. Scott Frame
University of South Carolina - Darla Moore School of Business and Federal Reserve Bank of Dallas

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Credit ratings, Federal Reserve Bank of Atlanta, Secondary markets, Credit, Financial markets, Access to capital, Banking industry, Bank loans, Financial policies, Lending policies, Public policies

7.

The Effect of Credit Scoring on Small Business Lending in Low- and Moderate-Income Areas

FRB Atlanta Working Paper No. 2001-6
Number of pages: 26 Posted: 20 May 2001
W. Scott Frame, Michael Padhi and Lynn W. Woosley
Federal Reserve Bank of Dallas, University of Maryland - Department of Finance and affiliation not provided to SSRN
Downloads 799 (44,082)
Citation 25

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Credit scoring, small business lending, low-income, Community Reinvestment Act

8.

Debt Maturity, Risk, and Asymmetric Information

Downloads 756 ( 47,370)
Citation 22

Debt Maturity, Risk, and Asymmetric Information

Number of pages: 41 Posted: 24 Aug 2004
Allen N. Berger, Marco A. Espinosa-Vega, W. Scott Frame and Nathan Miller
University of South Carolina - Darla Moore School of Business, International Monetary Fund (IMF), Federal Reserve Bank of Dallas and Georgetown University - McDonough School of Business
Downloads 605 (62,524)
Citation 8

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Debt maturity, risk, asymmetric information, banks, credit scoring

Debt Maturity, Risk, and Asymmetric Information

IMF Working Paper No. 05/201
Number of pages: 41 Posted: 30 Jun 2009
Marco A. Espinosa-Vega, Allen N. Berger, W. Scott Frame and Nathan H. Miller
International Monetary Fund (IMF), University of South Carolina - Darla Moore School of Business, Federal Reserve Bank of Dallas and affiliation not provided to SSRN
Downloads 151 (269,751)
Citation 14

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Debt, Risk premium, Banks, Credit, Economic models

9.

The Value of Olympic Sponsorships: Who is Capturing the Gold?

Number of pages: 27 Posted: 17 Sep 2001
W. Scott Frame and Kathleen A. Farrell
Federal Reserve Bank of Dallas and University of Nebraska-Lincoln
Downloads 633 (59,721)
Citation 2

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event study, sponsorship, olympics, communications mix, agency theory

10.

Fussing and Fuming Over Fannie and Freddie: How Much Smoke, How Much Fire?

Downloads 477 ( 84,984)
Citation 34

Fussing and Fuming Over Fannie and Freddie: How Much Smoke, How Much Fire?

NYU Stern Working Paper No. 04-27; FRB Atlanta Working Paper No. 2004-26
Number of pages: 42 Posted: 15 Oct 2004
Lawrence J. White, Lawrence J. White and W. Scott Frame
New York University (NYU) - Leonard N. Stern School of Business, Department of EconomicsStern School of Business, New York University and Federal Reserve Bank of Dallas
Downloads 423 (97,022)
Citation 38

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Fannie Mae, Freddie Mac, government-sponsored enterprises, residential mortgages, securitization, regulation

Fussing and Fuming Over Fannie and Freddie: How Much Smoke, How Much Fire?

NYU Working Paper No. S-FI-04-07
Number of pages: 42 Posted: 11 Nov 2008
W. Scott Frame, Lawrence J. White and Lawrence J. White
Federal Reserve Bank of Dallas and New York University (NYU) - Leonard N. Stern School of Business, Department of EconomicsStern School of Business, New York University
Downloads 54 (516,344)

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Fannie Mae, Freddie Mac, government-sponsored enterprises, residential mortgages, securitization, regulation

11.

The 2008 Federal Intervention to Stabilize Fannie Mae and Freddie Mac

Downloads 427 ( 96,811)
Citation 7

The 2008 Federal Intervention to Stabilize Fannie Mae and Freddie Mac

Federal Reserve Bank of Atlanta Working Paper No. 2009-13
Number of pages: 29 Posted: 22 Aug 2009
W. Scott Frame
Federal Reserve Bank of Dallas
Downloads 372 (112,455)
Citation 10

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government-sponsored enterprises, mortgages, securitization, conservatorship

The 2008 Federal Intervention to Stabilize Fannie Mae and Freddie Mac

Journal of Applied Finance (Formerly Financial Practice and Education), Vol. 18, No. 2, 2008
Number of pages: 13 Posted: 09 Dec 2015
W. Scott Frame
Federal Reserve Bank of Dallas
Downloads 55 (512,006)

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The 2008 Federal Intervention to Stabilize Fannie Mae and Freddie Mac

Journal of Applied Finance, Fall/Winter2008, Vol. 18, Issue 2, pp. 124-136
Posted: 26 Jul 2012
W. Scott Frame
Federal Reserve Bank of Dallas

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Secondary Mortgage Market, Mortgages Intervention, Federal Government

12.

Emerging Competition and Risk-Taking Incentives at Fannie Mae and Freddie Mac

Downloads 421 ( 98,339)
Citation 6

Emerging Competition and Risk-Taking Incentives at Fannie Mae and Freddie Mac

FRB of Atlanta Working Paper No. 2004-4
Number of pages: 29 Posted: 22 Mar 2004
W. Scott Frame, Lawrence J. White and Lawrence J. White
Federal Reserve Bank of Dallas and New York University (NYU) - Leonard N. Stern School of Business, Department of EconomicsStern School of Business, New York University
Downloads 326 (130,208)
Citation 6

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Government-sponsored enterprises, mortgages, securitization, risk-based capital, moral hazard, charter value

Emerging Competition and Risk-Taking Incentives at Fannie Mae and Freddie Mac

NYU Working Paper No. S-FI-04-01
Number of pages: 30 Posted: 11 Nov 2008
Lawrence J. White, Lawrence J. White and W. Scott Frame
New York University (NYU) - Leonard N. Stern School of Business, Department of EconomicsStern School of Business, New York University and Federal Reserve Bank of Dallas
Downloads 62 (483,198)

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Government-sponsored enterprises, mortgages, securitization, risk-based capital, moral hazard, charter value

Emerging Competition and Risk-Taking Incentives at Fannie Mae and Freddie Mac

NYU Working Paper No. 2451/26116
Number of pages: 30 Posted: 13 Oct 2008
Lawrence J. White, Lawrence J. White and W. Scott Frame
New York University (NYU) - Leonard N. Stern School of Business, Department of EconomicsStern School of Business, New York University and Federal Reserve Bank of Dallas
Downloads 33 (627,591)

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Government-sponsored enterprises, mortgages, securitization, risk-based capital, moral hazard, charter value

13.

Tests of Ex Ante Versus Ex Post Theories of Collateral Using Private and Public Information

Downloads 406 (102,552)
Citation 15

Tests of Ex Ante Versus Ex Post Theories of Collateral Using Private and Public Information

European Banking Center Discussion Paper No. 2010-01, CentER Discussion Paper Series No. 2010-13
Number of pages: 29 Posted: 19 Feb 2010
Allen N. Berger, W. Scott Frame and Vasso Ioannidou
University of South Carolina - Darla Moore School of Business, Federal Reserve Bank of Dallas and Bayes Business School (formerly Cass)Centre for Economic Policy Research (CEPR)
Downloads 338 (125,289)
Citation 14

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Collateral, Asymmetric Information, Banks

Tests of Ex Ante versus Ex Post Theories of Collateral Using Private and Public Information

Federal Reserve Bank of Atlanta Working Paper Series No. 2010-6
Number of pages: 32 Posted: 29 Mar 2010
Allen N. Berger, W. Scott Frame and Vasso Ioannidou
University of South Carolina - Darla Moore School of Business, Federal Reserve Bank of Dallas and Bayes Business School (formerly Cass)Centre for Economic Policy Research (CEPR)
Downloads 68 (460,589)
Citation 2

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collateral, asymmetric information, banks

14.

Why Do Borrowers Pledge Collateral? New Empirical Evidence on the Role of Asymmetric Information

FRB of Atlanta Working Paper No. 2006-29a
Number of pages: 32 Posted: 09 Feb 2007
Allen N. Berger, Marco A. Espinosa-Vega, W. Scott Frame and Nathan Miller
University of South Carolina - Darla Moore School of Business, International Monetary Fund (IMF), Federal Reserve Bank of Dallas and Georgetown University - McDonough School of Business
Downloads 400 (104,367)
Citation 31

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collateral, asymmetric information, banks, small business, credit scoring

15.

Competition for Fannie Mae and Freddie Mac?

Number of pages: 5 Posted: 22 Oct 2004
W. Scott Frame, Lawrence J. White and Lawrence J. White
Federal Reserve Bank of Dallas and New York University (NYU) - Leonard N. Stern School of Business, Department of EconomicsStern School of Business, New York University
Downloads 380 (110,676)

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Fannie Mae, Freddie Mac, banking, finance, mortgage-backed securities, government sponsored enterprises, GSE, competition, regulation, reform

16.

Are the Largest Banking Organizations Operationally More Risky?

Downloads 297 (123,587)

Are the Largest Banking Organizations Operationally More Risky?

Journal of Money, Credit and Banking, forthcoming
Number of pages: 65 Posted: 29 Jul 2018 Last Revised: 28 Mar 2022
Filippo Curti, Atanas Mihov and W. Scott Frame
Quantitative Supervision & Research - Federal Reserve Bank of Richmond, University of Kansas - School of Business and Federal Reserve Bank of Dallas
Downloads 297 (143,574)

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banking organizations, size, operational risk, tail risk, recessions

17.

The Surprising Use of Credit Scoring in Small Business Lending by Community Banks and the Attendant Effects on Credit Availability and Risk

Federal Reserve Bank of Atlanta Working Paper 2009-9
Number of pages: 25 Posted: 17 Jul 2009
Allen N. Berger, Adrian Cowan and W. Scott Frame
University of South Carolina - Darla Moore School of Business, Saint Mary's University of San Antonio and Federal Reserve Bank of Dallas
Downloads 341 (124,831)
Citation 19

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banks, small business, credit scoring

18.

An Analysis of the Systemic Risks Posed by Fannie Mae and Freddie Mac and an Evaluation of the Policy Options for Reducing Those Risks

FRB of Atlanta Working Paper No. 2006-2
Number of pages: 56 Posted: 25 Apr 2006
Robert Eisenbeis, W. Scott Frame and Larry D. Wall
Independent, Federal Reserve Bank of Dallas and Federal Reserve Bank of Atlanta - Research Department
Downloads 312 (137,002)
Citation 4

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Government-sponsored enterprises, systemic risk, portfolio limits

19.

The Effect of the Common Bond and Membership Expansion on Credit Union Risk

FRB Atlanta Working Paper No. 2001-10
Number of pages: 33 Posted: 30 May 2001
W. Scott Frame, Gordon V. Karels and Christine McClatchey
Federal Reserve Bank of Dallas, University of Nebraska at Lincoln - Department of Finance and University of Northern Colorado
Downloads 290 (148,535)
Citation 5

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Credit unions, common bond, concentration risk

20.

The Failure of Supervisory Stress Testing: Fannie Mae, Freddie Mac, and OFHEO

Downloads 287 (149,603)
Citation 6

The Failure of Supervisory Stress Testing: Fannie Mae, Freddie Mac, and OFHEO

FRB Atlanta Working Paper No. 2015-3
Number of pages: 57 Posted: 13 Apr 2015
W. Scott Frame, Kristopher Gerardi and Paul Willen
Federal Reserve Bank of Dallas, Federal Reserve Bank of Atlanta and Federal Reserve Bank of Boston - Research Department
Downloads 194 (217,694)
Citation 8

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Bank supervision, stress test, model risk, residential mortgages, government-sponsored enterprises

The Failure of Supervisory Stress Testing: Fannie Mae, Freddie Mac, and Ofheo

FRB of Boston Working Paper No. 15-4
Number of pages: 55 Posted: 19 Oct 2015 Last Revised: 06 May 2016
W. Scott Frame, Kristopher Gerardi and Paul Willen
Federal Reserve Bank of Dallas, Federal Reserve Bank of Atlanta and Federal Reserve Bank of Boston - Research Department
Downloads 93 (383,285)

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bank supervision, stress tests, model risk, residential mortgages, government-sponsored enterprises

21.

Federal Home Loan Bank Advances and Commercial Bank Portfolio Composition

FRB of Atlanta Working Paper No. 2007-17, FEDS Working Paper No. 2007-31
Number of pages: 56 Posted: 01 Aug 2007
W. Scott Frame, Diana Hancock and S. Wayne Passmore
Federal Reserve Bank of Dallas, Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 266 (161,477)
Citation 7

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advances, government-sponsored enterprises, GSE, portfolio shocks, panel VAR

22.

The Impact of Minority Representation at Mortgage Lenders

Downloads 262 (165,233)

The Impact of Minority Representation at Mortgage Lenders

SMU Cox School of Business Research Paper No. 22-08
Number of pages: 72 Posted: 10 Mar 2022 Last Revised: 07 Jul 2022
W. Scott Frame, Ruidi Huang, Erik J. Mayer and Adi Sunderam
Federal Reserve Bank of Dallas, Southern Methodist University (SMU) - Finance Department, Southern Methodist University (SMU) - Finance Department and Harvard University - Business School (HBS)
Downloads 255 (169,148)

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Race, Mortgage, Credit Access, Loan Officer, Household Finance, Financial Institution

The Impact of Minority Representation at Mortgage Lenders

FRB of Dallas Working Paper No. 2207
Number of pages: 73 Posted: 23 Jun 2022
W. Scott Frame, Ruidi Huang, Erik J. Mayer and Adi Sunderam
Federal Reserve Bank of Dallas, Southern Methodist University (SMU) - Finance Department, Southern Methodist University (SMU) - Finance Department and Harvard University - Business School (HBS)
Downloads 5 (876,474)

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mortgages, race, loan officers, approval, default

The Impact of Minority Representation at Mortgage Lenders

NBER Working Paper No. w30125
Number of pages: 73 Posted: 13 Jun 2022 Last Revised: 18 Jun 2022
W. Scott Frame, Ruidi Huang, Erik J. Mayer and Aditya Sunderam
Federal Reserve Bank of Dallas, Southern Methodist University (SMU) - Finance Department, Southern Methodist University (SMU) - Finance Department and Harvard University
Downloads 2 (916,852)
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23.

The Federal Home Loan Bank System: The Lender of Next-to-Last Resort?

FRB of New York Staff Report No. 357, Federal Reserve Bank of Atlanta Working Paper No. 2009-4
Number of pages: 48 Posted: 02 Dec 2008
Adam B. Ashcraft, Morten L. Bech and W. Scott Frame
Federal Reserve Bank of New York, Bank for International Settlements (BIS) - Committee on Payments and Market Infrastructures and Federal Reserve Bank of Dallas
Downloads 249 (172,308)
Citation 14

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Federal Home Loan Bank, government-sponsored enterprise, lender of last resort, liquidity

24.

The Rescue of Fannie Mae and Freddie Mac

Downloads 195 (216,751)
Citation 11

The Rescue of Fannie Mae and Freddie Mac

FRB Atlanta Working Paper No. 2015-2
Number of pages: 54 Posted: 13 Apr 2015
W. Scott Frame, Andreas Fuster, Joseph S. Tracy and James I. Vickery
Federal Reserve Bank of Dallas, Ecole Polytechnique Fédérale de Lausanne, National Bureau of Economic Research (NBER) and Federal Reserve Bank of Philadelphia
Downloads 88 (396,903)
Citation 1

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Fannie Mae, Freddie Mac, housing finance, financial crisis, government intervention

The Rescue of Fannie Mae and Freddie Mac

FRB of New York Staff Report No. 719
Number of pages: 55 Posted: 24 Mar 2015
W. Scott Frame, Andreas Fuster, Joseph S. Tracy and James I. Vickery
Federal Reserve Bank of Dallas, Ecole Polytechnique Fédérale de Lausanne, National Bureau of Economic Research (NBER) and Federal Reserve Bank of Philadelphia
Downloads 68 (460,589)
Citation 1

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Fannie Mae, Freddie Mac, housing finance, financial crisis, government intervention

The Rescue of Fannie Mae and Freddie Mac

FRB of New York Staff Report No. 719
Number of pages: 55 Posted: 18 Aug 2015
W. Scott Frame, Andreas Fuster, Joseph S. Tracy and James I. Vickery
Federal Reserve Bank of Dallas, Ecole Polytechnique Fédérale de Lausanne, National Bureau of Economic Research (NBER) and Federal Reserve Bank of Philadelphia
Downloads 39 (591,410)
Citation 9

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Fannie Mae, Freddie Mac, housing finance, financial crisis, government intervention

25.

The Effect of Large Investors on Asset Quality: Evidence from Subprime Mortgage Securities

Downloads 195 (216,751)
Citation 7

The Effect of Large Investors on Asset Quality: Evidence from Subprime Mortgage Securities

Number of pages: 56 Posted: 27 Jul 2014 Last Revised: 27 Sep 2016
Manuel Adelino, W. Scott Frame and Kristopher Gerardi
Duke University, Federal Reserve Bank of Dallas and Federal Reserve Bank of Atlanta
Downloads 145 (278,846)

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mortgage default, GSEs, securitization, private information

The Effect of Large Investors on Asset Quality: Evidence from Subprime Mortgage Securities

FRB Atlanta Working Paper No. 2014-4
Number of pages: 58 Posted: 04 Apr 2015
Manuel Adelino, W. Scott Frame and Kristopher Gerardi
Duke University, Federal Reserve Bank of Dallas and Federal Reserve Bank of Atlanta
Downloads 50 (534,758)
Citation 7

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mortgage default, GSEs, securitization, private information

26.

Fiscal Implications of the Federal Reserve's Balance Sheet Normalization

Downloads 155 (263,486)
Citation 10

Fiscal Implications of the Federal Reserve's Balance Sheet Normalization

FRB Atlanta Working Paper No. 2018-7
Number of pages: 46 Posted: 22 Aug 2018 Last Revised: 29 Apr 2020
Michele Cavallo, Marco Del Negro, W. Scott Frame, Jamie Grasing, Ben Malin and Carlo Rosa
Division of Monetary Affairs, Federal Reserve Bank of New York, Federal Reserve Bank of Dallas, University of Maryland, Federal Reserve Bank of Minneapolis and Federal Reserve Banks - Federal Reserve Bank of New York
Downloads 62 (483,198)
Citation 3

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central bank balance sheets, monetary policy, remittances

Fiscal Implications of the Federal Reserve's Balance Sheet Normalization

FEDS Working Paper No. 2018-002
Number of pages: 47 Posted: 11 Jan 2018 Last Revised: 29 Apr 2020
Michele Cavallo, Marco Del Negro, W. Scott Frame, Jamie Grasing, Ben Malin and Carlo Rosa
Division of Monetary Affairs, Federal Reserve Bank of New York, Federal Reserve Bank of Dallas, University of Maryland, Federal Reserve Bank of Minneapolis and Federal Reserve Banks - Federal Reserve Bank of New York
Downloads 59 (495,293)
Citation 1

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Central bank balance sheets, Monetary policy, Remittances

Fiscal Implications of the Federal Reserve's Balance Sheet Normalization

FRB of NY Staff Report No. 833
Number of pages: 47 Posted: 09 Jan 2018
Michele Cavallo, Marco Del Negro, W. Scott Frame, Jamie Grasing, Ben Malin and Carlo Rosa
Division of Monetary Affairs, Federal Reserve Bank of New York, Federal Reserve Bank of Dallas, University of Maryland, Federal Reserve Bank of Minneapolis and Federal Reserve Banks - Federal Reserve Bank of New York
Downloads 34 (621,107)

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central bank balance sheets, monetary policy, remittances

27.

Resolving Large Financial Intermediaries: Banks Versus Housing Enterprises

FRB Atlanta Working Paper No. 2004-23a
Number of pages: 69 Posted: 04 Jan 2005
Robert Eisenbeis, W. Scott Frame and Larry D. Wall
Independent, Federal Reserve Bank of Dallas and Federal Reserve Bank of Atlanta - Research Department
Downloads 140 (285,643)
Citation 2

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Fannie Mae, Freddie Mac, mortgages, bank failure, too big to fail, resolution, receivership

28.

Reexamining the Empirical Relation between Loan Risk and Collateral: The Role of the Economic Characteristics of Collateral

European Banking Center Discussion Paper No. 2012-020, CentER Discussion Paper Series No. 2012-078
Number of pages: 34 Posted: 24 Sep 2012
Allen N. Berger, W. Scott Frame and Vasso Ioannidou
University of South Carolina - Darla Moore School of Business, Federal Reserve Bank of Dallas and Bayes Business School (formerly Cass)Centre for Economic Policy Research (CEPR)
Downloads 139 (287,271)
Citation 2

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Collateral, Asymmetric Information, Banks

29.

Foreign Investment, Regulatory Arbitrage, and the Risk of U.S. Banking Organizations

Downloads 115 (330,351)
Citation 2

Foreign Investment, Regulatory Arbitrage, and the Risk of U.S. Banking Organizations

FRB Atlanta Working Paper No. 2017-2
Number of pages: 60 Posted: 27 Mar 2017 Last Revised: 21 Sep 2017
W. Scott Frame, Atanas Mihov and Leandro Sanz
Federal Reserve Bank of Dallas, University of Kansas - School of Business and Federal Reserve Banks - Federal Reserve Bank of Richmond
Downloads 89 (394,066)

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regulation, supervision, bank holding companies, cross-border operations, subsidiary locations, risk, systemic risk

Foreign Investment, Regulatory Arbitrage, and the Risk of U.S. Banking Organizations

Number of pages: 53 Posted: 16 Dec 2015 Last Revised: 30 Oct 2018
W. Scott Frame, Atanas Mihov and Leandro Sanz
Federal Reserve Bank of Dallas, University of Kansas - School of Business and Federal Reserve Banks - Federal Reserve Bank of Richmond
Downloads 26 (676,648)
Citation 2

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Regulation; Supervision; Bank holding companies; Cross-border operations; Subsidiary locations; Risk; Systemic risk

30.

Haste Makes Waste: Banking Organization Growth and Operational Risk

FRB of Dallas Working Paper No. 2023
Number of pages: 54 Posted: 19 Aug 2020
W. Scott Frame, Ping McLemore and Atanas Mihov
Federal Reserve Bank of Dallas, Federal Reserve Banks - Quantitative Supervision & Research and University of Kansas - School of Business
Downloads 109 (342,828)

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Banking organizations, Operational risk, Mergers &, acquisitions, Growth

31.

Unconventional Monetary Policy and Risk-Taking: Evidence from Agency Mortgage REITs

Downloads 108 (344,992)
Citation 1

Unconventional Monetary Policy and Risk-Taking: Evidence from Agency Mortgage REITs

Number of pages: 42 Posted: 22 Jun 2018
W. Scott Frame and Eva Steiner
Federal Reserve Bank of Dallas and Penn State Smeal College of Business
Downloads 74 (439,803)
Citation 1

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Quantitative Easing, Risk-Taking, REITs, GSEs, Mortgages, Securitization

Unconventional Monetary Policy and Risk-Taking: Evidence from Agency Mortgage Reits

FRB Atlanta Working Paper No. 2018-8
Number of pages: 42 Posted: 23 Aug 2018 Last Revised: 29 Apr 2020
W. Scott Frame and Eva Steiner
Federal Reserve Bank of Dallas and Penn State Smeal College of Business
Downloads 34 (621,107)

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quantitative easing, risk-taking, REITs, GSEs, mortgages, securitization

32.

The Information Revolution and Small Business Lending: The Missing Evidence

Federal Reserve Bank of Atlanta Working Paper Series No. 2010-7
Number of pages: 21 Posted: 28 Mar 2010
Robert DeYoung, W. Scott Frame, Dennis Glennon and Peter J. Nigro
University of Kansas School of Business, Federal Reserve Bank of Dallas, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and Bryant University - Department of Finance
Downloads 102 (358,384)
Citation 10

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borrower-lender distance, credit scoring, information technology, small business lending

33.

Commercial Lending Distance and Historically Underserved Areas

FRB of Atlanta Working Paper No. 2007-11a
Number of pages: 36 Posted: 12 Jul 2007
Robert DeYoung, W. Scott Frame, Dennis Glennon, Daniel P. McMillen and Peter J. Nigro
University of Kansas School of Business, Federal Reserve Bank of Dallas, Government of the United States of America - Office of the Comptroller of the Currency (OCC), University of Illinois at Chicago - Center for Urban Real Estate and Bryant University - Department of Finance
Downloads 94 (377,598)
Citation 7

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small business loans, borrower-lender distance, credit scoring

34.

The Federal Home Loan Bank System and U.S. Housing Finance

FRB Atlanta Working Paper No. 2016-2
Number of pages: 23 Posted: 01 Feb 2016 Last Revised: 30 Aug 2017
W. Scott Frame
Federal Reserve Bank of Dallas
Downloads 86 (398,798)

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residential mortgages, government-sponsored enterprises, liquidity

35.

Agency Conflicts in Residential Mortgage Securitization: What Does the Empirical Literature Tell Us?

FRB Atlanta Working Paper No. 2017-1
Number of pages: 24 Posted: 27 Mar 2017 Last Revised: 29 Nov 2017
W. Scott Frame
Federal Reserve Bank of Dallas
Downloads 83 (407,215)

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mortgages, banks, securitization, financial crisis

36.

Villains or Scapegoats? The Role of Subprime Borrowers in Driving the U.S. Housing Boom

Downloads 59 (441,102)
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Villains or Scapegoats? The Role of Subprime Borrowers in Driving the U.S. Housing Boom

FRB Atlanta Working Paper No. 2018-10
Number of pages: 48 Posted: 29 Aug 2018 Last Revised: 29 Apr 2020
James Conklin, W. Scott Frame, Kristopher Gerardi and Haoyang Liu
University of Georgia, Federal Reserve Bank of Dallas, Federal Reserve Bank of Atlanta and Federal Reserve Bank of New York
Downloads 59 (495,293)
Citation 1

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mortgages, subprime, house prices, credit scores, housing boom

37.

Regulating Housing GSEs: Thoughts on Institutional Structure and Authorities

NYU Working Paper No. 2451/26115
Number of pages: 34 Posted: 13 Oct 2008
Lawrence J. White, Lawrence J. White and W. Scott Frame
New York University (NYU) - Leonard N. Stern School of Business, Department of EconomicsStern School of Business, New York University and Federal Reserve Bank of Dallas
Downloads 67 (458,218)

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Government-sponsored enterprises, risk, regulation

38.

Introduction to Special Issue: The Appropriate Role of Government in U.S. Mortgage Markets

Economic Policy Review, Vol. 24, No. 3, 2018
Number of pages: 10 Posted: 14 Dec 2018
W. Scott Frame and Joseph S. Tracy
Federal Reserve Bank of Dallas and National Bureau of Economic Research (NBER)
Downloads 54 (507,966)
Citation 4

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Fannie Mae, Freddie Mac, housing finance, mortgages, financial crisis, government intervention

39.

Quantitative Easing and Financial Risk Taking: Evidence from Agency Mortgage Reits

FRB of Dallas Working Paper No. 2020
Number of pages: 41 Posted: 08 Jul 2020
W. Scott Frame and Eva Steiner
Federal Reserve Bank of Dallas and Penn State Smeal College of Business
Downloads 47 (538,914)

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40.

Reexamining the Empirical Relation between Loan Risk and Collateral: The Roles of Collateral Characteristics and Types

FRB Atlanta Working Paper No. 2011-12
Number of pages: 25 Posted: 10 Aug 2017
Allen N. Berger, W. Scott Frame and Vasso Ioannidou
University of South Carolina - Darla Moore School of Business, Federal Reserve Bank of Dallas and Bayes Business School (formerly Cass)Centre for Economic Policy Research (CEPR)
Downloads 44 (553,293)
Citation 7

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Collateral, Asymmetric Information, Banks

41.

The Devil's in the Tail: Residential Mortgage Finance and the US Treasury

Journal of Applied Finance (Formerly Financial Practice and Education), Vol. 23, No. 2, 2013
Number of pages: 23 Posted: 06 Nov 2015
W. Scott Frame, Larry D. Wall, Lawrence J. White and Lawrence J. White
Federal Reserve Bank of Dallas, Federal Reserve Bank of Atlanta - Research Department and New York University (NYU) - Leonard N. Stern School of Business, Department of EconomicsStern School of Business, New York University
Downloads 43 (558,258)
Citation 5

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42.

The Effects of Audit Partners on Financial Reporting: Evidence from U.S. Bank Holding Companies

FRB of Dallas Working Paper No. 2209
Number of pages: 45 Posted: 21 Jul 2022
Gauri Bhat, Hemang Desai, W. Scott Frame, Christoffer Koch and Erik J. Mayer
Southern Methodist University (SMU) - Accounting Department, Southern Methodist University (SMU) - Accounting Department, Federal Reserve Bank of Dallas, International Monetary Fund (IMF) and Southern Methodist University (SMU) - Finance Department
Downloads 36 (595,016)

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Accounting, Banking, Audit Partner Names, Audit Engagement, PCAOB

43.

Fussing and Fuming Over Fannie and Freddie: How Much Smoke, How Much Fire?

NYU Working Paper No. EC-04-27
Number of pages: 42 Posted: 31 Oct 2008
W. Scott Frame, Lawrence J. White and Lawrence J. White
Federal Reserve Bank of Dallas and New York University (NYU) - Leonard N. Stern School of Business, Department of EconomicsStern School of Business, New York University
Downloads 30 (630,856)
Citation 1

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Fannie Mae, Freddie Mac, government-sponsored enterprises, residential mortgages, securitization, regulation

44.

Operational Loss Recoveries and the Macroeconomic Environment: Evidence from the U.S. Banking Sector

Number of pages: 44 Posted: 04 Aug 2022 Last Revised: 16 Aug 2022
W. Scott Frame, Nika Lazaryan, Ping McLemore and Atanas Mihov
Federal Reserve Bank of Dallas, Federal Reserve Banks - Federal Reserve Bank of Richmond, Federal Reserve Banks - Quantitative Supervision & Research and University of Kansas - School of Business
Downloads 16 (753,780)

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Operational risk, operational losses, loss recoveries, macroeconomic environment, banking sector

45.

The Rescue of Fannie Mae and Freddie Mac

FRB Atlanta Working Paper No. 2015-2
Posted: 12 Jul 2021 Last Revised: 29 Jul 2021
W. Scott Frame, Andreas Fuster, Joseph S. Tracy and James I. Vickery
Federal Reserve Bank of Dallas, Ecole Polytechnique Fédérale de Lausanne, National Bureau of Economic Research (NBER) and Federal Reserve Bank of Philadelphia
Downloads 10

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46.

Fiscal implications of the Federal Reserve’s Balance Sheet Normalization

FEDS Notes No. 2018-01-09-2 https://doi.org/10.17016/2380-7172.2126
Posted: 06 Jun 2018
Michele Cavallo, Marco Del Negro, W. Scott Frame, Jamie Grasing, Ben Malin and Carlo Rosa
Division of Monetary Affairs, Federal Reserve Bank of New York, Federal Reserve Bank of Dallas, University of Maryland, Federal Reserve Bank of Minneapolis and Federal Reserve Banks - Federal Reserve Bank of New York

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47.

Introduction to Special Issue: Government Involvement in Residential Mortgage Markets

Real Estate Economics, Vol. 43, Issue 4, pp. 807-819, 2015
Number of pages: 13 Posted: 26 Oct 2015
W. Scott Frame
Federal Reserve Bank of Dallas
Downloads 0 (910,098)
Citation 1

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48.

The Devil's in the Tail: Residential Mortgage Finance and the U.S. Treasury

NYU Working Paper No. 2451/31589
Posted: 17 Aug 2012
W. Scott Frame, Larry D. Wall, Lawrence J. White and Lawrence J. White
Federal Reserve Bank of Dallas, Federal Reserve Bank of Atlanta - Research Department and New York University (NYU) - Leonard N. Stern School of Business, Department of EconomicsStern School of Business, New York University

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residential mortgages, securitization, government-sponsored enterprises, housing subsidies.

49.

Credit Scoring and the Availability of Small Business Credit in Low- and Moderate-Income Areas

Posted: 19 Jan 2004
W. Scott Frame, Michael Padhi and Lynn W. Woosley
Federal Reserve Bank of Dallas, University of Maryland - Department of Finance and affiliation not provided to SSRN

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Credit scoring, small business lending, low-income, Community Reinvestment Act