Our mission is to produce leading-edge research on how credit markets and payment systems affect the economy. The Institute sponsors opportunities for scholars, the financial industry, and the public sector to collaborate and share insights on fostering healthy household finances, a stable financial system, and a resilient economy.

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Our researchers span four Bank departments and collaborate with each other and visiting scholars to provide the next level of research.

Meet one of our researchers

José Canals-Cerdá

Senior Special Advisor, Supervision, Regulation, and Credit

Jose Canals-Cerda

José Canals-Cerdá has experience modeling mortgage and credit card defaults and losses. His work includes stress test modeling and CECL impact analysis.

  • Retail Credit Risk
  • Financial Risk Management
  • Financial Econometrics
  • Credit Card Loss Modeling
  • Bank Capital Requirements

Publications and Resources

Literature Database

Our continually updated database provides bibliographic citations for journal articles, books, reports, and other publications on consumer credit and payments and links to full-text papers from across the Federal Reserve System.

Search Our Literature Database