Household Credit Usage

Personal Debt and Mortgages

  • Sumit Agarwal
  • Brent W. Ambrose

Table of contents

  1. Front Matter
    Pages i-xiv
  2. Introduction

    1. Front Matter
      Pages 1-1
    2. Sumit Agarwal, Brent W. Ambrose
      Pages 3-9
  3. Household Credit—Demand and Supply

  4. Household Use of Personal Credit

    1. Front Matter
      Pages 77-77
    2. Sumit Agarwal, Brent W. Ambrose, Souphala Chomsisengphet
      Pages 93-116
    3. Tufan Ekici, Lucia Dunn, Tae Hyung Kim
      Pages 117-131
    4. Marc Anthony Fusaro
      Pages 149-159
    5. Sujit Chakravorti
      Pages 161-174
    6. Katherine A. Samolyk
      Pages 175-200
  5. Household Use of Mortgage Debt

    1. Front Matter
      Pages 201-201
    2. C. Tsuriel Somerville, Paulina Teller, Michael Farrell, Yosh Kasahara, Li Qiang
      Pages 203-217
    3. Monica Paiella, Alberto Franco Pozzolo
      Pages 219-236
    4. Souphala Chomsisengphet, Anthony Pennington-Cross
      Pages 237-252
  6. Regulators Prospective of Consumer Credit

    1. Front Matter
      Pages 267-267
  7. Back Matter
    Pages 285-290

About this book


In response to growing interest in household finance, this collection of essays with a foreword by John Y. Campbell, studies household and consumer use of credit instruments. It shows how individual consumers and households utilize various credit alternatives in managing their consumption and savings and suggests areas for future research.


business consumer interest rates Personal

Editors and affiliations

  • Sumit Agarwal
    • 1
  • Brent W. Ambrose
    • 2
  1. 1.Federal Reserve Bank of ChicagoUSA
  2. 2.Pennsylvania State UniversityUSA

Bibliographic information