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Institute publications build on a large body of Philadelphia Fed research comprising more than 200 papers related to consumer credit markets and payment systems. The Institute’s researchers and visiting scholars contribute to this literature.


DP 19-03: Meet People Where They Are: Building Formal Credit Using Informal Financial Traditions

Discussion Paper

August 2019

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WP 19-32: The Consequences of Student Loan Credit Expansions: Evidence from Three Decades of Default Cycles

Working Paper

July 2019

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WP 19-28: Do Minimum Wage Increases Benefit Intended Households? Evidence from the Performance of Residential Leases

Working Paper

July 2019

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WP 19-26: Should Central Banks Issue Digital Currency?

Working Paper

June 2019

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WP 19-25: Financial Characteristics of Cost of Funds Indexed Loans

Working Paper

May 2019

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Literature Database

This resource provides access to bibliographic information from the consumer credit and payments literature and full-text access to Federal Reserve System publications. With the enhanced search functionality, users can explore this comprehensive database of consumer finance content created by the Federal Reserve Bank of Philadelphia.

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