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

Julia Cheney

Assistant Director, Payment Cards Center

Julia Cheney

Julia Cheney studies the areas of security, access, and efficiency in the consumer credit and payments markets. Her recent work is on identity theft.

  • Payment Security and Fraud
  • Payment System Efficiency
  • Consumer Credit Access
  • Innovations in Consumer Credit and Payments Markets

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