Robert B. Avery

Learn More
Working papers of the Federal Reserve Bank of Cleveland are preliminary materials circulated to stimulate discussion and critical comment. The views stated herein are those of the authors and not necessarily those of the Federal Reserve Bank of Cleveland or of the Board of Governors of the Federal Reserve System. ABSTRACT Risk-based capital (RBC) is an(More)
The opinions expressed in this paper are those of the author alone, and they do not necessarily represent the views of the Board of Governors of the Federal Reserve System. For their contributions to the SCF, the author is very grateful to and many others who have worked on the SCF project at the Federal Reserve; to Barry Johnson, Tom Petska, Fritz Scheuren(More)
  • Ken Cavalluzzo, John Wolken, +6 authors Teri Yohn
  • 2002
for helpful discussion and Douglas Rohde for excellent research assistance. The views expressed herein are those of the authors. They do not necessarily reflect the opinions of the Federal Reserve Board or its staff. ABSTRACT Using newly available data from the Federal Reserve, we examine the impact of personal wealth on small business loan turndowns across(More)
2/ channel antago-scribed T-type channel antagonist. U-92032 demonstrates nist U-92032 inhibits both T-type Ca 2/ channels and Na / chan-about a 10-fold greater potency for T-type over L-type channels in hippocampal CA1 pyramidal neurons. The effects of 7-[ [ 4-[ bis (4-fluorophen-channels in a neuroblastoma cell line (NIE-115), and
Institutions involved in lending, including mortgage lending, carefully assess credit risk, which is the possibility that borrowers will fail to pay their loan obligations as scheduled. The judgments of these institutions affect the incidence of delinquency and default, two important factors influencing profitability. To assess credit risk, lenders gather(More)
Information that credit-reporting agencies maintain on consumers' credit-related experiences plays a cen­ tral role in U.S. credit markets. Creditors consider such data a primary factor when they monitor the credit circumstances of current customers and evalu­ ate the creditworthiness of prospective borrowers. Analysts widely agree that the data enable(More)
*Robert B. Avery and Katherine Samolyk are economists at the Board of Governors of the Federal Reserve System and the Federal Deposit Insurance Corporation, respectively. The views stated here are those of the authors and do not necessarily reflect those of the Federal Deposit Insurance Corporation, the Board of Governors of the Federal Reserve System, or(More)
  • Geraldo Cerqueiro, Hans Degryse, +16 authors Judit Montoriol
  • 2008
and at the Bank of Italy for many valuable comments and suggestions. The authors gratefully acknowledge financial support from NWO-The Netherlands and FWO-Flanders. The paper was completed while Cerqueiro was visiting the Sveriges Riksbank (Stockholm) and the Research and Statistics Department of the Federal Reserve Board, whose hospitality is gratefully(More)
(202)-898-3655, ksamolyk@fdic.gov. The views stated here are those of the authors and do not necessarily reflect those of the Federal Deposit Insurance Corporation, the Board of Governors of the Federal Reserve System, or their staffs. We would like to thank the following for helpful comments and suggestions on this paper and an earlier paper that uses the(More)