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Details about W Scott Frame

Phone:470-514-9156
Postal address:4030 Falls Ridge Drive Alpharetta. GA 30022

Access statistics for papers by W Scott Frame.

Last updated 2023-06-12. Update your information in the RePEc Author Service.

Short-id: pfr211


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Working Papers

2022

  1. Operational Loss Recoveries and the Macroeconomic Environment: Evidence from the U.S. Banking Sector
    Working Papers, Federal Reserve Bank of Dallas Downloads
  2. The Effects of Audit Partners on Financial Reporting: Evidence from U.S. Bank Holding Companies
    Working Papers, Federal Reserve Bank of Dallas Downloads View citations (1)
  3. The Impact of Minority Representation at Mortgage Lenders
    NBER Working Papers, National Bureau of Economic Research, Inc Downloads View citations (4)
    Also in Working Papers, Federal Reserve Bank of Dallas (2022) Downloads View citations (3)

2021

  1. Quantitative Easing and Agency MBS Investment and Financing Choices by Mortgage REITs
    Working Papers, Federal Reserve Bank of Dallas Downloads
    See also Journal Article in Real Estate Economics (2022)

2020

  1. Are the Largest Banking Organizations Operationally More Risky?
    Working Papers, Federal Reserve Bank of Dallas Downloads View citations (6)
    See also Journal Article in Journal of Money, Credit and Banking (2022)
  2. Did Subprime Borrowers Drive the Housing Boom?
    Liberty Street Economics, Federal Reserve Bank of New York Downloads
  3. Haste Makes Waste: Banking Organization Growth and Operational Risk
    Working Papers, Federal Reserve Bank of Dallas Downloads View citations (1)
  4. Villains or Scapegoats? The Role of Subprime Borrowers in Driving the U.S. Housing Boom
    Working Papers, Federal Reserve Bank of Dallas Downloads View citations (2)
    Also in FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta (2018) Downloads View citations (1)

    See also Journal Article in Journal of Financial Intermediation (2022)

2018

  1. Fiscal Implications of the Federal Reserve's Balance Sheet Normalization
    Working Papers, Federal Reserve Bank of Minneapolis Downloads View citations (3)
    Also in FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta (2018) Downloads View citations (2)
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) (2018) Downloads View citations (3)
    FEDS Notes, Board of Governors of the Federal Reserve System (U.S.) (2018) Downloads View citations (3)
    Liberty Street Economics, Federal Reserve Bank of New York (2018) Downloads View citations (1)
    Staff Reports, Federal Reserve Bank of New York (2018) Downloads View citations (10)
    FEDS Notes, Board of Governors of the Federal Reserve System (U.S.) (2018) Downloads View citations (5)

    See also Journal Article in International Journal of Central Banking (2019)
  2. Technological Change and Financial Innovation in Banking: Some Implications for FinTech
    Working Papers, New York University, Leonard N. Stern School of Business, Department of Economics Downloads View citations (13)
    Also in FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta (2018) Downloads View citations (10)
  3. Unconventional Monetary Policy and Risk-Taking: Evidence from Agency Mortgage REITs
    FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta Downloads

2017

  1. Agency Conflicts in Residential Mortgage Securitization: What Does the Empirical Literature Tell Us?
    FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta Downloads View citations (1)
    See also Journal Article in Journal of Financial Research (2018)
  2. Foreign Investment, Regulatory Arbitrage, and the Risk of U.S. Banking Organizations
    FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta Downloads View citations (1)
    See also Journal Article in Journal of Financial and Quantitative Analysis (2020)

2016

  1. The federal home loan bank system and U.S. housing finance
    FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta Downloads View citations (2)

2015

  1. Evaluating the Rescue of Fannie Mae and Freddie Mac
    Liberty Street Economics, Federal Reserve Bank of New York Downloads View citations (10)
  2. The Failure of supervisory stress testing: Fannie Mae, Freddie Mac, and OFHEO
    Working Papers, Federal Reserve Bank of Boston Downloads View citations (15)
    Also in FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta (2015) Downloads View citations (7)
  3. The rescue of Fannie Mae and Freddie Mac
    Staff Reports, Federal Reserve Bank of New York Downloads View citations (20)
    Also in FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta (2015) Downloads View citations (21)

    See also Journal Article in Journal of Economic Perspectives (2015)

2014

  1. Technological Change, Financial Innovation, and Diffusion in Banking
    Working Papers, New York University, Leonard N. Stern School of Business, Department of Economics Downloads View citations (22)
    Also in FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta (2009) Downloads View citations (10)
    Working Papers, New York University, Leonard N. Stern School of Business, Department of Economics (2009) Downloads View citations (18)
  2. The Effect of Large Investors on Asset Quality: Evidence from Subprime Mortgage Securities
    FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta Downloads View citations (9)
    See also Journal Article in Journal of Monetary Economics (2017)

2012

  1. Reexamining the Empirical Relation between Loan Risk and Collateral: The Role of the Economic Characteristics of Collateral
    Other publications TiSEM, Tilburg University, School of Economics and Management Downloads View citations (2)
    Also in Other publications TiSEM, Tilburg University, School of Economics and Management (2012) Downloads View citations (2)
    Discussion Paper, Tilburg University, Center for Economic Research (2012) Downloads View citations (2)
  2. The Devil's in the Tail: Residential Mortgage Finance and the U.S. Treasury
    Working Papers, New York University, Leonard N. Stern School of Business, Department of Economics Downloads View citations (3)
    Also in FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta (2012) Downloads

2011

  1. Reexamining the empirical relation between loan risk and collateral: the roles of collateral characteristics and types
    FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta Downloads View citations (7)

2010

  1. Tests of Ex Ante Versus Ex Post Theories of Collateral Using Private and Public Information
    Other publications TiSEM, Tilburg University, School of Economics and Management Downloads View citations (7)
    Also in Other publications TiSEM, Tilburg University, School of Economics and Management (2010) Downloads View citations (7)
    Discussion Paper, Tilburg University, Center for Economic Research (2010) Downloads View citations (8)
    FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta (2010) Downloads View citations (7)

    See also Journal Article in Journal of Financial Economics (2011)
  2. The Industrial Organization of the U.S. Single-Family Residential Mortgage Industry
    Working Papers, New York University, Leonard N. Stern School of Business, Department of Economics Downloads
  3. The information revolution and small business lending: the missing evidence
    FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta Downloads View citations (3)
    See also Journal Article in Journal of Financial Services Research (2011)

2009

  1. The 2008 federal intervention to stabilize Fannie Mae and Freddie Mac
    FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta Downloads View citations (12)
  2. The Federal Home Loan Bank System: Current Issues in Perspective
    Working Papers, New York University, Leonard N. Stern School of Business, Department of Economics Downloads View citations (2)
  3. The Federal Home Loan Bank System: the lender of next-to-last resort?
    FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta Downloads View citations (7)
    Also in Staff Reports, Federal Reserve Bank of New York (2008) Downloads View citations (7)

    See also Journal Article in Journal of Money, Credit and Banking (2010)
  4. The surprising use of credit scoring in small business lending by community banks and the attendant effects on credit availability and risk
    FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta Downloads View citations (7)

2007

  1. A summary of \"Federal Home Loan Bank advances and commercial bank portfolio composition\"
    Proceedings, Federal Reserve Bank of Chicago View citations (2)
  2. Commercial lending distance and historically underserved areas
    FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta Downloads View citations (9)
    See also Journal Article in Journal of Economics and Business (2008)
  3. Federal Home Loan Bank advances and commercial bank portfolio composition
    FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta Downloads View citations (3)
    Also in Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) (2007) Downloads View citations (1)

    See also Journal Article in Journal of Money, Credit and Banking (2012)
  4. Why do borrowers pledge collateral? new empirical evidence on the role of asymmetric information
    FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta Downloads View citations (7)
    See also Journal Article in Journal of Financial Intermediation (2011)

2006

  1. An analysis of the systemic risks posed by Fannie Mae and Freddie Mac and an evaluation of the policy options for reducing those risks
    FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta Downloads View citations (4)
    See also Journal Article in Journal of Financial Services Research (2007)

2005

  1. Debt Maturity, Risk, and Asymmetric Information
    IMF Working Papers, International Monetary Fund Downloads View citations (121)
    Also in Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) (2004) Downloads View citations (7)
    FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta (2004) Downloads View citations (3)

    See also Journal Article in Journal of Finance (2005)
  2. Small business credit scoring and credit availability
    FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta Downloads View citations (34)
    See also Journal Article in Journal of Small Business Management (2007)

2004

  1. Emerging Competition and Risk-Taking Incentives at Fannie Mae and Freddie Mac
    Working Papers, New York University, Leonard N. Stern School of Business, Department of Economics Downloads View citations (4)
    Also in Proceedings, Federal Reserve Bank of Chicago (2004) View citations (2)
    FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta (2004) Downloads View citations (3)
  2. Fussing and Fuming over Fannie and Freddie: How Much Smoke, How Much Fire?
    Working Papers, New York University, Leonard N. Stern School of Business, Department of Economics Downloads View citations (13)
    Also in FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta (2004) Downloads View citations (4)

    See also Journal Article in Journal of Economic Perspectives (2005)
  3. Regulating Housing GSEs: Thoughts on Institutional Structure and Authorities
    Working Papers, New York University, Leonard N. Stern School of Business, Department of Economics Downloads View citations (13)
    See also Journal Article in Economic Review (2004)
  4. Resolving large financial intermediaries: banks versus housing enterprises
    FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta Downloads View citations (5)
    See also Journal Article in Journal of Financial Stability (2005)

2002

  1. Credit scoring and the availability, price, and risk of small business credit
    FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta Downloads View citations (35)
    Also in Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) (2002) Downloads View citations (9)

    See also Journal Article in Journal of Money, Credit and Banking (2005)
  2. Empirical Studies of Financial Innovation: Lots of Talk, Little Action?
    Working Papers, New York University, Leonard N. Stern School of Business, Department of Economics Downloads View citations (22)
    Also in FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta (2002) Downloads View citations (33)

    See also Journal Article in Journal of Economic Literature (2004)

2001

  1. The Diffusion of Financial Innovations: An Examination of The Adoption of Small Business Credit Scoring by Large Banking Organizations
    Center for Financial Institutions Working Papers, Wharton School Center for Financial Institutions, University of Pennsylvania Downloads View citations (18)
    Also in FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta (2001) Downloads View citations (32)
    Working Papers, New York University, Leonard N. Stern School of Business, Department of Economics (2001) Downloads View citations (18)
    Proceedings, Federal Reserve Bank of Chicago (2001) View citations (5)

    See also Journal Article in The Journal of Business (2005)
  2. The effect of credit scoring on small business lending in low- and moderate-income areas
    FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta Downloads View citations (50)
  3. The effect of the common bond and membership expansion on credit union risk
    FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta Downloads View citations (1)
    See also Journal Article in The Financial Review (2002)

Journal Articles

2022

  1. Are the Largest Banking Organizations Operationally More Risky?
    Journal of Money, Credit and Banking, 2022, 54, (5), 1223-1259 Downloads View citations (3)
    See also Working Paper (2020)
  2. Quantitative easing and agency MBS investment and financing choices by mortgage REITs
    Real Estate Economics, 2022, 50, (4), 931-965 Downloads
    See also Working Paper (2021)
  3. Villains or scapegoats? The role of subprime borrowers in driving the U.S. housing boom
    Journal of Financial Intermediation, 2022, 51, (C) Downloads View citations (1)
    See also Working Paper (2020)

2021

  1. Anjan V. Thakor, The purpose of banking: transforming banking for stability and economic growth
    Business Economics, 2021, 56, (1), 54-56 Downloads

2020

  1. Foreign Investment, Regulatory Arbitrage, and the Risk of U.S. Banking Organizations
    Journal of Financial and Quantitative Analysis, 2020, 55, (3), 955-988 Downloads View citations (14)
    See also Working Paper (2017)

2019

  1. Fiscal Implications of the Federal Reserve's Balance Sheet Normalization
    International Journal of Central Banking, 2019, 15, (5), 255-306 Downloads View citations (4)
    See also Working Paper (2018)

2018

  1. AGENCY CONFLICTS IN RESIDENTIAL MORTGAGE SECURITIZATION: WHAT DOES THE EMPIRICAL LITERATURE TELL US?
    Journal of Financial Research, 2018, 41, (2), 237-251 Downloads View citations (3)
    See also Working Paper (2017)
  2. Introduction to Special Issue: The Appropriate Role of Government in U.S. Mortgage Markets
    Economic Policy Review, 2018, (24-3), 1-10 Downloads View citations (1)

2017

  1. The effect of large investors on asset quality: Evidence from subprime mortgage securities
    Journal of Monetary Economics, 2017, 87, (C), 34-51 Downloads View citations (6)
    See also Working Paper (2014)

2016

  1. Reexamining the empirical relation between loan risk and collateral: The roles of collateral liquidity and types
    Journal of Financial Intermediation, 2016, 26, (C), 28-46 Downloads View citations (25)

2015

  1. Introduction to Special Issue: Government Involvement in Residential Mortgage Markets
    Real Estate Economics, 2015, 43, (4), 807-819 Downloads View citations (1)
  2. The Rescue of Fannie Mae and Freddie Mac
    Journal of Economic Perspectives, 2015, 29, (2), 25-52 Downloads View citations (24)
    See also Working Paper (2015)

2012

  1. Federal Home Loan Bank Advances and Commercial Bank Portfolio Composition
    Journal of Money, Credit and Banking, 2012, 44, (4), 661-684 Downloads View citations (10)
    Also in Journal of Money, Credit and Banking, 2012, 44, (4), 661-684 (2012) Downloads View citations (2)

    See also Working Paper (2007)

2011

  1. Tests of ex ante versus ex post theories of collateral using private and public information
    Journal of Financial Economics, 2011, 100, (1), 85-97 Downloads View citations (110)
    See also Working Paper (2010)
  2. The Information Revolution and Small Business Lending: The Missing Evidence
    Journal of Financial Services Research, 2011, 39, (1), 19-33 Downloads View citations (54)
    See also Working Paper (2010)
  3. The Surprising Use of Credit Scoring in Small Business Lending by Community Banks and the Attendant Effects on Credit Availability, Risk, and Profitability
    Journal of Financial Services Research, 2011, 39, (1), 1-17 Downloads View citations (52)
  4. Why do borrowers pledge collateral? New empirical evidence on the role of asymmetric information
    Journal of Financial Intermediation, 2011, 20, (1), 55-70 Downloads View citations (96)
    See also Working Paper (2007)

2010

  1. Estimating the effect of mortgage foreclosures on nearby property values: a critical review of the literature
    Economic Review, 2010, 95, (3) Downloads View citations (50)
  2. The Federal Home Loan Bank System: The Lender of Next-to-Last Resort?
    Journal of Money, Credit and Banking, 2010, 42, (4), 551-583 View citations (52)
    Also in Journal of Money, Credit and Banking, 2010, 42, (4), 551-583 (2010) Downloads View citations (11)

    See also Working Paper (2009)

2008

  1. Commercial lending distance and historically underserved areas
    Journal of Economics and Business, 2008, 60, (1-2), 149-164 Downloads View citations (13)
    See also Working Paper (2007)

2007

  1. An Analysis of the Systemic Risks Posed by Fannie Mae and Freddie Mac and An Evaluation of the Policy Options for Reducing Those Risks
    Journal of Financial Services Research, 2007, 31, (2), 75-99 Downloads View citations (12)
    See also Working Paper (2006)
  2. Charter Value, Risk-Taking Incentives, and Emerging Competition for Fannie Mae and Freddie Mac
    Journal of Money, Credit and Banking, 2007, 39, (1), 83-103 View citations (13)
    Also in Journal of Money, Credit and Banking, 2007, 39, (1), 83-103 (2007) Downloads View citations (1)
  3. Housing and the subprime mortgage market
    EconSouth, 2007, 9, (3) Downloads
  4. Small Business Credit Scoring and Credit Availability*
    Journal of Small Business Management, 2007, 45, (1), 5-22 Downloads View citations (9)
    See also Working Paper (2005)

2006

  1. The Federal Home Loan Bank system: the \"other\" housing GSE
    Economic Review, 2006, 91, (Q 3), 33-54 Downloads View citations (15)

2005

  1. Credit Scoring and the Availability, Price, and Risk of Small Business Credit
    Journal of Money, Credit and Banking, 2005, 37, (2), 191-222 View citations (160)
    See also Working Paper (2002)
  2. Debt Maturity, Risk, and Asymmetric Information
    Journal of Finance, 2005, 60, (6), 2895-2923 Downloads View citations (126)
    See also Working Paper (2005)
  3. Fussing and Fuming over Fannie and Freddie: How Much Smoke, How Much Fire?
    Journal of Economic Perspectives, 2005, 19, (2), 159-184 Downloads View citations (73)
    See also Working Paper (2004)
  4. Resolving large financial intermediaries: Banks versus housing enterprises
    Journal of Financial Stability, 2005, 1, (3), 386-425 Downloads View citations (9)
    See also Working Paper (2004)
  5. The Diffusion of Financial Innovations: An Examination of the Adoption of Small Business Credit Scoring by Large Banking Organizations
    The Journal of Business, 2005, 78, (2), 577-596 Downloads View citations (74)
    See also Working Paper (2001)

2004

  1. Credit Scoring and the Availability of Small Business Credit in Low‐ and Moderate‐Income Areas
    The Financial Review, 2004, 39, (1), 35-54 Downloads View citations (52)
  2. Empirical Studies of Financial Innovation: Lots of Talk, Little Action?
    Journal of Economic Literature, 2004, 42, (1), 116-144 Downloads View citations (141)
    See also Working Paper (2002)
  3. Regulating housing GSEs: thoughts on institutional structure and authorities
    Economic Review, 2004, 89, (Q 2), 87 - 102 Downloads View citations (13)
    See also Working Paper (2004)

2003

  1. Do credit unions use their tax advantage to benefit members? Evidence from a cost function
    Review of Financial Economics, 2003, 12, (1), 35-47 Downloads View citations (3)
    Also in Review of Financial Economics, 2003, 12, (1), 35-47 (2003) Downloads View citations (23)
  2. Federal Home Loan Bank mortgage purchases: Implications for mortgage markets
    Economic Review, 2003, 88, (Q3), 17-31 Downloads View citations (9)

2002

  1. Fannie Mae's and Freddie Mac's voluntary initiatives: Lessons from banking
    Economic Review, 2002, 87, (Q1), 45-59 Downloads View citations (17)
  2. Financing housing through government-sponsored enterprises
    Economic Review, 2002, 87, (Q1), 29-43 Downloads View citations (22)
  3. The Effect of the Common Bond and Membership Expansion on Credit Union Risk
    The Financial Review, 2002, 37, (4), 613-636 Downloads View citations (17)
    See also Working Paper (2001)

2001

  1. Small business lending in low- and Moderate-income areas: The effects of credit scoring
    Communities and Banking, 2001, (Fall), 18-19 Downloads
  2. The Effect of Credit Scoring on Small-Business Lending
    Journal of Money, Credit and Banking, 2001, 33, (3), 813-25 View citations (142)
  3. U.S. Financial Services Consolidation: The Case of Corporate Credit Unions
    Review of Industrial Organization, 2001, 18, (2), 229-241 Downloads View citations (20)

1998

  1. Abnormal Returns in the Acquisition Market: The Case of Bank Holding Companies, 1990–1993
    Journal of Financial Services Research, 1998, 14, (2), 145-163 Downloads View citations (13)

1997

  1. Empirical Evidence on a Special-Interest-Group Perspective to Antitrust
    Public Choice, 1997, 92, (3-4), 317-35 Downloads View citations (3)

1995

  1. Examining small business lending in bank antitrust analysis
    Economic Review, 1995, 80, (Mar), 31-40 View citations (2)

1994

  1. Commercial bank profits in 1993
    Economic Review, 1994, 79, (Jul), 22-41

Chapters

2013

  1. Reexamining Financial Innovation after the Global Financial Crisis
    Chapter 11 in The Social Value of the Financial Sector Too Big to Fail or Just Too Big?, 2013, pp 215-228 Downloads
 
Page updated 2024-02-22