Proceedings

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991: Statement of corporate pension fund accounts

Dennis E. Logue

990: Challenges facing the benefit system

Bradley D. Belt

989: Regulatory risk

Wayne A. Abernathy

988: A bank regulator's view of retail lending

Catharine Lemieux

987: Best practices in consumer lending: using sophisticated marketing to earn high ROI

Robert M. Tetenbaum

986: The science of pricing in middle market commercial lending

Rick Spitler

985: Providing banking services in a small and rural market

Jeff Plagge

984: The art of asset-based lending

Michael D. Sharkey

983: Management and supervision of reputation risk in large banking organizations

Julie Williams

982: Preserving our prosperity: today's policy challenges

Michael G. Oxley

981: Evidence of bank information monopolies across the business cycle

Joao Santos and Andrew Winton

980: Mergers and lending relationships: discussion

Astrid A. Dick

979: Information asymmetries and the effects of banking mergers of firm-bank relationships

Steven Drucker

978: Bank regulation: discussion

Moshe Kim

977: Bank competition and the role of regulation

Franklin Allen, Elena Carletti and Robert Marquez

976: Testimony on the Pension Benefit Guaranty Corporation

Randall S. Kroszner

975: Observations on personal retirement accounts

Zvi Bodie

974: Basel II competitive implications

Diana Hancock and Wayne Passmore

973: Making regulation work for consumers and banks

Robert Litan

972: Consumer lending at community banks

Alan R. Tubbs

971: Business lending trends and regulatory initiatives

John F. Bovenzi

970: Competing in the current lending environment

Jerry Grundhofer

969: The art of the loan in the 21st century: producing, pricing, and regulating credit: a conference survey

Michael H. Moskow

968: Risk transfer and financial stability

Alan Greenspan

967: Banking on remittances: increasing market efficiencies for consumers and financial institutions

Ana Cruz-Taura, Marianne A. Hilgert, Jeanne M. Hogarth, Sybill Howe, Jessica LeVeen, Edwin Lucio, Elizabeth McQuerry, Juan M. Sanchez and Wayne Smith

966: Credit, capital and communities: new roles present community-based organizations with new opportunities

William C. Apgar, Allegra Calder and Gary Fauth

965: Stored-value cards: challenges and opportunities for reaching emerging markets

Katy Jacob, Sherrie L. W. Rhine, Sabrina Su and Jennifer Tescher

964: Moving from unbanked to banked: evidence from the Money Smart program

Angela Lyons and Erik Scherpf

963: Credit counseling and mortgage termination by low-income households

Claudio Gonzalez-Vega and Valentina Hartarska

962: Effectiveness of online early intervention financial education programs for credit-card holders

Kimberly Gartner and Richard M. Todd

961: Observing unobservables: identifying information asymmetries with a consumer-credit field experiment

Dean Karlan and Jonathan Zinman

960: A re-examination of the role of relationships in the loan-granting process

Sugato Chakravarty and Tansel Yilmazer

959: Negative effects of personal bankruptcy filing for homeowners: reduced credit access and lost option value

Cheryl Long

958: Borrowing during unemployment: unsecured debt as a safety net

James Sullivan

957: Householder response to the earned income tax credit: path of sustenance or road to asset building

Steven Lee, Yazmin Osaki, Sherrie L. W. Rhine and Sabrina Su

956: A financial services survey of low income households

Moez Hababou, Jennifer Kramer and Ellen Seidman

955: The impact of single-family mortgage foreclosures on neighborhood crime

Dan Immergluck and Geoff Smith

954: Subprime lending: neighborhood patterns over time

Jonathan Hershaff, Karl Russo and Susan Wachter

953: Mortgage brokers and the subprime mortgage market

Amany El Anshasy, Gregory E. Elliehausen and Yoshiaki Shimazaki

952: Industry structure perpetuates dual market

William C. Apgar, Allegra Calder and Gary Fauth

951: Prospects for immigrant-native wealth assimilation: evidence from financial market participation

Una Osili and Anna Paulson

950: Consumer literacy and creditworthiness

Marsha Courchane

949: Payday lending: do the costs justify the price?

Mark Flannery and Katherine A. Samolyk

948: An update to the GSE implicit subsidy and the value of government ambiguity

Wayne Passmore and Shane Sherlund

947: Managing systemic risk: Fannie Mae's successes

Franklin Raines

946: The impact of clients' alleged financial reporting fraud on underwriter reputation

Wei-Ling Song and Hatice Uzun

945: So what do I get? the bank's view of lending relationships

Sreedhar T. Bharath, Sandeep Dahiya, Anthony Saunders and Anand Srinivasan

944: Tying knots: lending to win equity underwriting business

Steven Drucker and Manju Puri

943: Bank orientation and industry specialization

Hans Degryse and Steven Ongena

942: Do mergers improve information? evidence from the loan market

Fabio Panetta, Fabiano Schivardi and Matthew Shum