Robert B. Avery

Board of Governors of the Federal Reserve System - Financial Studies Section

20th & C. St., N.W.

Washington, DC 20551

United States

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SCHOLARLY PAPERS

14

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Scholarly Papers (14)

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1.

Bank Consolidation and the Provision of Banking Services: The Case of Small Commercial Loans

FDIC Working Paper No. 2000-01
Number of pages: 41 Posted: 23 Apr 2002
Katherine Samolyk and Robert B. Avery
Government of the United States of America - Division of Research and Statistics and Board of Governors of the Federal Reserve System - Financial Studies Section
Downloads 528 (53,963)
Citation 8

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2.

Consumer Credit Scoring: Do Situational Circumstances Matter?

BIS Working Paper No. 146
Number of pages: 24 Posted: 20 Sep 2007
Robert B. Avery, Paul S. Calem and Glenn B. Canner
Board of Governors of the Federal Reserve System - Financial Studies Section, Federal Reserve Banks - Federal Reserve Bank of Philadelphia and Board of Governors of the Federal Reserve System - Division of Research and Statistics
Downloads 389 (78,230)
Citation 11

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Credit scoring, Consumer credit, Credit risk

3.

The Subprime Crisis: Is Government Housing Policy to Blame?

Review of Economics and Statistics, Forthcoming
Number of pages: 34 Posted: 18 Dec 2010 Last Revised: 31 Jul 2014
Robert B. Avery and Kenneth P. Brevoort
Board of Governors of the Federal Reserve System - Financial Studies Section and Independent
Downloads 293 (107,623)
Citation 12

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Community Reinvestment Act, CRA, Subprime Crisis, Government Sponsored Enterprises, GSE, Mortgages

4.

Bank Consolidation and Small Business Lending: The Role of Community Banks

FDIC Working Paper No. 2003-05
Number of pages: 46 Posted: 03 Mar 2006
Robert B. Avery and Katherine Samolyk
Board of Governors of the Federal Reserve System - Financial Studies Section and Government of the United States of America - Division of Research and Statistics
Downloads 286 (110,426)
Citation 5

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5.

Does Credit Scoring Produce a Disparate Impact?

Downloads 208 (152,056)
Citation 4

Does Credit Scoring Produce a Disparate Impact?

Number of pages: 52 Posted: 18 Dec 2010
Robert B. Avery, Kenneth P. Brevoort and Glenn B. Canner
Board of Governors of the Federal Reserve System - Financial Studies Section, Independent and Board of Governors of the Federal Reserve System - Division of Research and Statistics
Downloads 206 (153,218)

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credit scoring, disparate impact, discrimination, consumer credit

Does Credit Scoring Produce a Disparate Impact?

Real Estate Economics, Vol. 40, pp. S65-S114, 2012
Number of pages: 50 Posted: 28 Dec 2012
Robert B. Avery, Kenneth P. Brevoort and Glenn B. Canner
Board of Governors of the Federal Reserve System - Financial Studies Section, Independent and Board of Governors of the Federal Reserve System - Division of Research and Statistics
Downloads 2 (694,199)
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Does Credit Scoring Produce a Disparate Impact?

Real Estate Economics, Forthcoming
Posted: 22 Feb 2012
Robert B. Avery, Glenn B. Canner and Kenneth P. Brevoort
Board of Governors of the Federal Reserve System - Financial Studies Section, Board of Governors of the Federal Reserve System - Division of Research and Statistics and Independent

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credit scoring, disparate impact, discrimination

6.

Payday Loans versus Pawn Shops: The Effects of Loan Fee Limits on Household Use

Number of pages: 43 Posted: 24 Jul 2015
Robert B. Avery and Katherine A Samolyk
Board of Governors of the Federal Reserve System - Financial Studies Section and FDIC, Division of Insurance and Research
Downloads 184 (170,232)
Citation 10

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payday lending, price ceilings, small dollar loans

7.

The 2008 HMDA Data: The Mortgage Market During a Turbulent Year

Federal Reserve Bulletin
Number of pages: 43 Posted: 04 Oct 2009 Last Revised: 23 Oct 2010
Robert B. Avery, Neil Bhutta, Kenneth P. Brevoort, Glenn B. Canner and Christa Gibbs
Board of Governors of the Federal Reserve System - Financial Studies Section, Board of Governors of the Federal Reserve System, Independent, Board of Governors of the Federal Reserve System - Division of Research and Statistics and Consumer Financial Protection Bureau
Downloads 138 (217,251)
Citation 1

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8.

The 2009 HMDA Data: The Mortgage Market During a Time of Low Interest Rates and Economic Distress

Federal Reserve Bulletin, December 2010
Number of pages: 39 Posted: 27 Sep 2010 Last Revised: 03 Jan 2011
Robert B. Avery, Neil Bhutta, Kenneth P. Brevoort and Glenn B. Canner
Board of Governors of the Federal Reserve System - Financial Studies Section, Board of Governors of the Federal Reserve System, Independent and Board of Governors of the Federal Reserve System - Division of Research and Statistics
Downloads 106 (264,337)
Citation 2

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mortgages, HMDA

9.

The CRA within a Changing Financial Landscape

Number of pages: 17 Posted: 08 Apr 2009
Robert B. Avery, Marsha Courchane and Peter M. Zorn
Board of Governors of the Federal Reserve System - Financial Studies Section, Charles River Associates (CRA) and Freddie Mac
Downloads 73 (333,791)
Citation 6

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Community Reinvestment Act, Mortgages

10.

Credit Where None is Due? Authorized User Account Status and Piggybacking Credit

FEDS Working Paper No. 2010-23
Number of pages: 32 Posted: 31 Mar 2010 Last Revised: 03 May 2010
Robert B. Avery, Kenneth P. Brevoort and Glenn B. Canner
Board of Governors of the Federal Reserve System - Financial Studies Section, Independent and Board of Governors of the Federal Reserve System - Division of Research and Statistics
Downloads 53 (392,415)
Citation 3

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credit scoring, authorized users, Regulation B, Equal Credit Opportunity Act, piggybacking credit

11.

Estate vs. Capital Gains Taxation: An Evaluation of Prospective Policies for Taxing Wealth at the Time of Death

FEDS Working Paper No. 2013-28
Number of pages: 45 Posted: 25 May 2013
Robert B. Avery, Kevin B. Moore and Daniel Grodzicki
Board of Governors of the Federal Reserve System - Financial Studies Section, Board of Governors of the Federal Reserve System and Penn State Economics
Downloads 43 (428,357)
Citation 3

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Estate tax, capital gains, tax policy, household wealth

12.

Opportunities and Issues in using HMDA Data

Journal of Real Estate Research, Vol. 29, No. 4, 2007
Posted: 15 Nov 2007
Robert B. Avery, Kenneth P. Brevoort and Glenn B. Canner
Board of Governors of the Federal Reserve System - Financial Studies Section, Independent and Board of Governors of the Federal Reserve System - Division of Research and Statistics

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HMDA, Home Morgage Disclosure Act, mortgage lending, home loans

13.

Neighborhood Information and Home Mortgage Lending

Journal of Urban Economics, April 1998
Posted: 20 May 1998
Robert B. Avery, Patricia E. Beeson and Mark S. Sniderman
Board of Governors of the Federal Reserve System - Financial Studies Section, University of Pittsburgh - Office of the Provost and Federal Reserve Bank of Cleveland

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14.

Posted Rates and Mortgage Lending Activity

J. OF REAL ESTATE FINANCE AND ECONOMICS, Vol. 13 No. 2
Posted: 11 Apr 1997
Robert B. Avery, Patricia E. Beeson and Mark S. Sniderman
Board of Governors of the Federal Reserve System - Financial Studies Section, University of Pittsburgh - Office of the Provost and Federal Reserve Bank of Cleveland

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