Robert B. Avery

Board of Governors of the Federal Reserve System

20th Street and Constitution Avenue NW

Washington, DC 20551

United States

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SCHOLARLY PAPERS

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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
Downloads 550 (76,590)
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, Federal Reserve Banks - Federal Reserve Bank of Philadelphia and Board of Governors of the Federal Reserve System
Downloads 440 (100,326)
Citation 12

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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 and Board of Governors of the Federal Reserve System
Downloads 342 (133,661)
Citation 15

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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 and Government of the United States of America - Division of Research and Statistics
Downloads 301 (152,962)
Citation 9

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5.

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 and FDIC, Division of Insurance and Research
Downloads 293 (157,276)
Citation 14

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payday lending, price ceilings, small dollar loans

6.

Does Credit Scoring Produce a Disparate Impact?

Downloads 269 (171,795)
Citation 6

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, Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 260 (176,950)

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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, Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 9 (900,901)
Citation 2

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

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credit scoring, disparate impact, discrimination

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, Federal Reserve Bank of Philadelphia, Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System and Consumer Financial Protection Bureau
Downloads 152 (288,944)
Citation 2

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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, Federal Reserve Bank of Philadelphia, Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 146 (298,522)
Citation 4

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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, Charles River Associates (CRA) and Freddie Mac
Downloads 90 (421,017)
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, Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 84 (438,954)
Citation 4

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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, Board of Governors of the Federal Reserve System and Office of the Comptroller of the Currency
Downloads 71 (482,995)
Citation 2

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

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

13.

Neighborhood Information and Home Mortgage Lending

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

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