Joelle W. Scally

Regional Economic Principal
Urban and Regional Studies
Federal Reserve Bank of New York
33 Liberty Street
New York, NY 10045

Phone (212) 720-5661
Joelle.Scally@ny.frb.org

   

Mortgage Lock‑In Spurs Recent HELOC Demand
With Andrew F. Haughwout, Donghoon Lee, Daniel Mangrum, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, August 06, 2024

Delinquency Is Increasingly in the Cards for Maxed-Out Borrowers
With Andrew F. Haughwout, Donghoon Lee, Daniel Mangrum, Wilbert van der Klaauw, and Crystal Wang
Federal Reserve Bank of New York Liberty Street Economics, May 14, 2024

How Are They Now? A Checkup on Homeowners Who Experienced Foreclosure
With Andrew F. Haughwout, Donghoon Lee, Daniel Mangrum, Belicia Rodriguez, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, May 08, 2024

Many Places Still Have Not Recovered from the Pandemic Recession
With Jaison R. Abel, Richard Deitz, and Jonathan Hastings
Federal Reserve Bank of New York Liberty Street Economics, May 07, 2024

The New York Fed Consumer Credit Panel: A Foundational CMD Data Set
With Andrew F. Haughwout, Donghoon Lee, Daniel Mangrum, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, April 17, 2024

Regional Visit Shows Housing Affordability, Infrastructure as Top Issues for Businesses and Communities on Long Island
With Andrea Grenadier
Federal Reserve Bank of New York The Teller Window, April 04, 2024

Auto Loan Delinquency Revs Up as Car Prices Stress Budgets
With Andrew F. Haughwout, Donghoon Lee, Daniel Mangrum, Wilbert van der Klaauw, and Crystal Wang
Federal Reserve Bank of New York Liberty Street Economics, February 06, 2024

Credit Card Delinquencies Continue to Rise–Who Is Missing Payments?
With Andrew F. Haughwout, Donghoon Lee, Daniel Mangrum, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, November 07, 2023

An Update on the Health of the U.S. Consumer
With Andrew F. Haughwout, Donghoon Lee, Daniel Mangrum, Jonathan McCarthy, Davide Melcangi, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, October 18, 2023

Credit Card Markets Head Back to Normal after Pandemic Pause
With Andrew F. Haughwout, Donghoon Lee, Daniel Mangrum, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, August 08, 2023

The Great Pandemic Mortgage Refinance Boom
With Andrew F. Haughwout, Donghoon Lee, Daniel Mangrum, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, May 15, 2023

Younger Borrowers Are Struggling with Credit Card and Auto Loan Payments
With Andrew F. Haughwout, Donghoon Lee, Daniel Mangrum, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, February 16, 2023

Balances Are on the Rise--So Who Is Taking on More Credit Card Debt?
With Andrew F. Haughwout, Donghoon Lee, Daniel Mangrum, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, November 15, 2022

Historically Low Delinquency Rates Coming to an End
With Andrew F. Haughwout, Donghoon Lee, Daniel Mangrum, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, August 02, 2022

Refinance Boom Winds Down
With Andrew F. Haughwout, Donghoon Lee, Daniel Mangrum, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, May 10, 2022

Student Loan Repayment during the Pandemic Forbearance
With Jacob Goss and Daniel Mangrum
Federal Reserve Bank of New York Liberty Street Economics, March 22, 2022

The State of Low Income America: Credit Access and Debt Payment (2022)
With Claire Kramer Mills, Rebecca Landau, and Belicia Rodriguez
Federal Reserve Bank of New York, March 2022, March 01, 2022

Car Prices Drive Up Borrowing
With Andrew F. Haughwout, Donghoon Lee, Daniel Mangrum, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, February 08, 2022

Credit Card Trends Begin to Normalize after Pandemic Paydown
With Andrew F. Haughwout, Donghoon Lee, Daniel Mangrum, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, November 09, 2021

Forbearance Participation Declines as Programs’ End Nears
With Andrew F. Haughwout, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, August 03, 2021

Keeping Borrowers Current in a Pandemic
With Andrew F. Haughwout, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, May 19, 2021

What Happens during Mortgage Forbearance?
With Andrew F. Haughwout, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, May 19, 2021

Small Business Owners Turn to Personal Credit
With Andrew F. Haughwout, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, May 19, 2021

What’s Next for Forborne Borrowers?
With Andrew F. Haughwout, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, May 19, 2021

Credit Card Balance Declines Are Largest Among Older, Wealthier Borrowers
With Andrew F. Haughwout, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, May 12, 2021

Mortgage Rates Decline and (Prime) Households Take Advantage
With Andrew F. Haughwout, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, February 17, 2021

Following Borrowers Through Forbearance
With Andrew F. Haughwout, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, November 17, 2020

Debt Relief and the CARES Act: Which Borrowers Face the Most Financial Strain?
With Rajashri Chakrabarti, Andrew F. Haughwout, Donghoon Lee, William Nober, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, August 19, 2020

Debt Relief and the CARES Act: Which Borrowers Benefit the Most?
With Rajashri Chakrabarti, Andrew F. Haughwout, Donghoon Lee, William Nober, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, August 18, 2020

A Monthly Peek into Americans’ Credit During the COVID-19 Pandemic
With Andrew F. Haughwout, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, August 06, 2020

Inequality in U.S. Homeownership Rates by Race and Ethnicity
With Andrew F. Haughwout, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, July 08, 2020

U.S. Consumer Debt Payments and Credit Buffers on the Eve of COVID-19
With Andrew F. Haughwout, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, May 05, 2020

Charging into Adulthood: Credit Cards and Young Consumers
With Andrew F. Haughwout, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, February 11, 2020

Racial Disparities in Student Loan Outcomes
With Andrew F. Haughwout, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, November 13, 2019

Who Borrows for College—and Who Repays?
With Andrew F. Haughwout, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, October 09, 2019

Mind the Gap in Delinquency Rates
With Andrew F. Haughwout, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, August 13, 2019

Press Briefing on the Evolution and Future of Homeownership
With Olivier Armantier, Andrew F. Haughwout, Gizem Kosar, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, May 22, 2019

Shifts in Credit Market Participation over Two Decades
With Andrew F. Haughwout, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, May 14, 2019

Auto Loans in High Gear
With Andrew F. Haughwout, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, February 12, 2019

A Look at Borrowing, Repayment, and Bankruptcy Rates by Age
With Andrew F. Haughwout, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, November 16, 2018

Puerto Rico Post-Maria—Twelve Months of Hardship
With Jason Bram
Federal Reserve Bank of New York Liberty Street Economics, September 28, 2018

Just Released: Cleaning Up Collections
With Andrew F. Haughwout, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, August 14, 2018

Just Released: New York Fed Press Briefing Highlights Changes in Home Equity and How It’s Used
With Andrew F. Haughwout, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, May 17, 2018

Just Released: Great Recession’s Impact Lingers in Hardest-Hit Regions
With Andrew F. Haughwout, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, February 13, 2018

Just Released: Auto Lending Keeps Pace as Delinquencies Mount in Auto Finance Sector
With Andrew F. Haughwout, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, November 14, 2017

Just Released: More Credit Cards, Higher Limits, and . . . an Uptick in Delinquency
With Andrew F. Haughwout, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, August 15, 2017

Household Borrowing in Historical Perspective
With Andrew F. Haughwout, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, May 17, 2017

Just Released: Total Household Debt Nears 2008 Peak but Debt Picture Looks Much Different
With Andrew F. Haughwout, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, February 16, 2017

Just Released: Subprime Auto Debt Grows Despite Rising Delinquencies
With Andrew F. Haughwout, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, November 30, 2016

Puerto Rico’s Evolving Household Debts
With Meta Brown, Andrew F. Haughwout, Donghoon Lee, Magali Solimano, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, August 12, 2016

Just Released: Recent Developments in Consumer Credit Card Borrowing
With Graham Campbell, Andrew F. Haughwout, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, August 09, 2016

Just Released: Hints of Increased Hardship in America’s Oil-Producing Counties
With Andrew F. Haughwout, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, May 24, 2016

The Graying of American Debt
With Meta Brown, Donghoon Lee, Katherine Strair, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, February 24, 2016

Whither Mortgages?
With Andrew F. Haughwout, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, February 22, 2016

Just Released: Household Debt Grew Slowly in 2015 as Mortgage Balances Stayed Flat
With Meta Brown, Donghoon Lee, Andrew F. Haughwout, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, February 12, 2016

Just Released: New and Improved Charts and Data on Auto Loans
With Andrew F. Haughwout, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, November 19, 2015

Trends in Debt Concentration in the United States by Income
With Donghoon Lee, Matt Mazewski, and Basit Zafar
Federal Reserve Bank of New York Liberty Street Economics, November 05, 2015

Just Released: Releveraging the Consumer Credit Panel with Two New Charts
With Andrew F. Haughwout, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, August 13, 2015

Just Released: Mortgage Borrowing among Most Creditworthy Abates
With Andrew F. Haughwout, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, May 12, 2015

Just Released: Press Briefing on Student Loan Borrowing and Repayment Trends, 2015
With Andrew F. Haughwout, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, April 16, 2015

Payback Time? Measuring Progress on Student Debt Repayment
With Meta Brown, Andrew F. Haughwout, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, February 20, 2015

Looking at Student Loan Defaults through a Larger Window
With Meta Brown, Andrew F. Haughwout, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, February 19, 2015

The Student Loan Landscape
With Meta Brown, Andrew F. Haughwout, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, February 18, 2015

Just Released: Student Loan Delinquency Rate Defies Overall Downward Trend in Household Debt and Credit Report for Fourth Quarter 2014
With Meta Brown, Andrew F. Haughwout, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, February 17, 2015

Just Released: Household Debt Balances Increase as Deleveraging Period Concludes
With Andrew F. Haughwout, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, November 25, 2014

Just Released: Looking under the Hood of the Subprime Auto Lending Market
With Andrew F. Haughwout, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, August 14, 2014

Just Released: Deleveraging Decelerates and Household Balances Increase
With Andrew F. Haughwout, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, November 14, 2013

Just Released: Who Is Driving the Auto Lending Recovery?
With Andrew F. Haughwout, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, August 14, 2013

Just Released: The Geography of Student Debt
With Andrew F. Haughwout, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, May 14, 2013

Just Released: Has Household Deleveraging Continued?
With Andrew F. Haughwout, Donghoon Lee, and Wilbert van der Klaauw
Federal Reserve Bank of New York Liberty Street Economics, August 29, 2012


Joelle W. Scally's CVPDF The views expressed in the papers listed on this page are those of the author(s) and do not necessarily reflect the position of the Federal Reserve Bank of New York or the Federal Reserve System.
By continuing to use our site, you agree to our Terms of Use and Privacy Statement. You can learn more about how we use cookies by reviewing our Privacy Statement.   Close