Details about Elizabeth S. Laderman

Access statistics for papers by Elizabeth S. Laderman.

Last updated 2005-11-07. Update your information in the RePEc Author Service.

Short-id: pla176

Working Papers

2014

1. Did Consumers Want Less Debt? Consumer Credit Demand Versus Supply in the Wake of the 2008-2009 Financial Crisis
   Working Paper Series, Federal Reserve Bank of San Francisco View citations (11)

2011

2. Prepayment and delinquency in the mortgage crisis period
   Working Paper Series, Federal Reserve Bank of San Francisco View citations (10)

2010

3. The Community Reinvestment Act and small business lending in low- and moderate-income neighborhoods during the financial crisis
   Community Development Working Paper, Federal Reserve Bank of San Francisco View citations (4)

2009

4. Mortgage loan securitization and relative loan performance
   Working Paper Series, Federal Reserve Bank of San Francisco View citations (29)
5. The untold costs of subprime lending: examining the links among higher-priced lending, foreclosures and race in California
   Community Development Working Paper, Federal Reserve Bank of San Francisco View citations (18)

2008

6. Lending in low- and moderate-income neighborhoods in California: the performance of CRA lending during the subprime meltdown
   Community Development Working Paper, Federal Reserve Bank of San Francisco View citations (12)

2006

7. Market power and relationships in small business lending
   Working Paper Series, Federal Reserve Bank of San Francisco View citations (2)

2002

8. Does the Community Reinvestment Act (CRA) cause banks to provide a subsidy to some mortgage borrowers?
   Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) View citations (7)
9. Measuring the CRA subsidy in mortgage markets
   Proceedings, Federal Reserve Bank of Chicago

2000

10. The potential diversification and failure reduction benefits of bank expansion into nonbanking activities
    Working Paper Series, Federal Reserve Bank of San Francisco View citations (15)

1998

11. Is mortgage lending by savings associations special?
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) View citations (1)
    See also Journal Article Is mortgage lending by savings associations special?, Economic Review, Federal Reserve Bank of San Francisco (1998) (1998)

1992

12. Determinants of bank competitiveness in short-term business lending
    Proceedings, Federal Reserve Bank of Chicago

1991

13. Interstate banking and competition
    Proceedings, Federal Reserve Bank of Chicago View citations (3)

1988

14. The R&D Master File Documentation
    NBER Technical Working Papers, National Bureau of Economic Research, Inc View citations (52)

Journal Articles

2021

1. How Much Did the CARES Act Help Households Stay Afloat?
   FRBSF Economic Letter, 2021, 2021, (18), 06

2014

2. Slow business start-ups and the job recovery
   FRBSF Economic Letter, 2014

2013

3. Small businesses hit hard by weak job gains
   FRBSF Economic Letter, 2013, (sept9)

2012

4. Mortgage prepayment: an avenue foreclosed?
   FRBSF Economic Letter, 2012, (feb13)
5. Small business loans and small bank health
   FRBSF Economic Letter, 2012, (aug27) View citations (1)

2011

6. Recent trends in small business lending
   FRBSF Economic Letter, 2011, (oct17)

2009

7. Out-of-market small business loans
   FRBSF Economic Letter, 2009, (feb13)

2008

8. Small business lending and bank competition
   FRBSF Economic Letter, 2008, (may9)
9. The quantity and character of out-of-market small business lending
   Economic Review, 2008, 31-39 View citations (9)

2006

10. The geographic scope of small business lending: evidence from the San Francisco market
    FRBSF Economic Letter, 2006, (dec15)

2005

11. Changes in Twelfth District local banking market structure during a period of industry consolidation
    Economic Review, 2005, 15-27

2004

12. Has the CRA increased lending for low-income home purchases?
    FRBSF Economic Letter, 2004, (jun25) View citations (1)

2003

13. Good news on Twelfth District banking market concentration
    FRBSF Economic Letter, 2003, (oct24) View citations (4)
14. Increased stability in Twelfth District employment growth
    FRBSF Economic Letter, 2003, (jan31)

2002

15. Trends in the concentration of bank deposits: the Northwest
    FRBSF Economic Letter, 2002, (jul26)

2001

16. Subprime mortgage lending and the capital markets
    FRBSF Economic Letter, 2001, (dec28) View citations (3)

2000

17. Small California banks holding on
    FRBSF Economic Letter, 2000, (may5)

1999

18. On the portfolio effects of financial convergence - a review of the literature
    Economic Review, 1999, 18-31 View citations (48)
19. The role of specialized lenders in extending mortgages to lower-income and minority homebuyers
    Federal Reserve Bulletin, 1999, 85, (Nov), 709-726 View citations (12)
20. The shrinking of Japanese branch business lending in California
    FRBSF Economic Letter, 1999, (apr23)

1998

21. Is mortgage lending by savings associations special?
    Economic Review, 1998, 30-46
    See also Working Paper Is mortgage lending by savings associations special?, Finance and Economics Discussion Series (1998) View citations (1) (1998)
22. Trends in Twelfth District banking in 1997
    FRBSF Economic Letter, 1998, (jan23)

1997

23. Deposits and demographics?
    FRBSF Economic Letter, 1997, (jun27) View citations (3)

1996

24. The California \\"rate gap\\" since the BankAmerica-Security Pacific merger
    FRBSF Economic Letter, 1996, (oct25)
25. What's behind problem credit card loans?
    FRBSF Economic Letter, 1996, (jul19) View citations (6)

1995

26. Bank stock repurchases
    FRBSF Economic Letter, 1995, (dec29) View citations (3)
27. Changes in the structure of urban banking markets in the West
    Economic Review, 1995, 21-34 View citations (4)
28. The rhyme and reason of bank mergers
    FRBSF Economic Letter, 1995, (nov17) View citations (1)
29. Western banks and derivatives
    FRBSF Economic Letter, 1995, (apr28) View citations (1)

1994

30. Banking market structure in the West
    FRBSF Economic Letter, 1994, (jan28)
31. Risk-based capital requirements and loan growth
    FRBSF Economic Letter, 1994, (oct14)
32. Wealth effects of bank holding company securities issuance and loan growth under the risk-based capital requirements
    Economic Review, 1994, 30-41 View citations (6)

1993

33. Banks and mutual funds
    FRBSF Economic Letter, 1993, (dec17)
34. Determinants of bank versus nonbank competitiveness in short-term business lending
    Economic Review, 1993, 17-32 View citations (5)
35. Risks in the swaps market
    FRBSF Economic Letter, 1993, (mar12) View citations (1)

1992

36. NAFTA and U.S. banking
    FRBSF Economic Letter, 1992, (nov13)
37. Progress in retail payments
    FRBSF Economic Letter, 1992, (feb7)

1991

38. Bank branching and portfolio diversification
    FRBSF Economic Letter, 1991, (sep6) View citations (1)
39. Interstate banking and competition: evidence from the behavior of stock returns
    Economic Review, 1991, (Spr), 32-47 View citations (4)
40. Location, branching, and bank portfolio diversification: the case of agricultural lending
    Economic Review, 1991, (Win), 24-38 View citations (16)

1990

41. 1989 Fall Academic Conference
    FRBSF Economic Letter, 1990, (mar16)
42. FIRREA and the future of thrifts
    FRBSF Economic Letter, 1990, (jan19)
43. Moral hazard in payment systems
    FRBSF Economic Letter, 1990, (aug31)
44. Shared ATM networks: an uneasy alliance
    FRBSF Economic Letter, 1990, (feb23)
45. The changing role of the prime rate
    FRBSF Economic Letter, 1990, (jul13) View citations (3)
46. The effects of interstate banking
    FRBSF Economic Letter, 1990, (dec28)
47. The public policy implications of state laws pertaining to automated teller machines
    Economic Review, 1990, (Win), 43-58 View citations (3)

1989

48. Why are ATM fees rising?
    FRBSF Economic Letter, 1989, (sep1)

1988

49. Specialists in the stock market
    FRBSF Economic Letter, 1988, (sep2)

Books

2009

1. CRA lending during the subprime meltdown
   Monograph, Federal Reserve Bank of San Francisco View citations (9)