A regularly updated resource for analysis of research in consumer finance. The site is intended for those interested in the latest and most significant contributions to state-of-the-art economic analysis of consumer finance.

Thomas Lubik came to the Richmond Fed by way of the classroom. After finishing his own studies, Lubik spent seven years on the faculty of Johns Hopkins University, teaching graduate and undergraduate courses in macroeconomics, mathematical methods and international monetary economics. He joined the Fed in 2006 and the focus of his research has remained in those areas.

"Using Manufacturing Surveys to Assess Economic Conditions" (PDF 185KB)

"Accommodating Rising Population in Rural Areas: The Case of Loudoun County, Virginia" (PDF 202KB)

"Banks and Liquidity Creation: A Simple Exposition of the Diamond-Dybvig Model" (PDF 97KB)

"Not Your Father's Credit Union"(PDF 119KB)

"Changes in the Size Distribution of U. S. Banks: 1960-2005"(PDF 194KB)

"Can Feedback from the Jumbo CD Market Improve Bank Surveillance?"(PDF 179KB)

"The 3-6-3 Rule: An Urban Myth?"(PDF 141KB)

"Exchange Rates and Business Cycles Across Countries" (PDF 113KB)

"Implications of Some Alternatives to Capital Income Taxation"(PDF 216KB)

"Optimal Nonlinear Income Taxation with Costly Tax Avoidance"(PDF 155KB)

"How Accurate Are Real-Time Estimates of Output Trends and Gaps?"(PDF 214KB)

"Interest on Reserves and Daylight Credit"(PDF 191KB)