FedResearch

New #FEDSPaper: Does Banking Consolidation Harm Households? federalreserve.gov/econres/feds/d…

New #FEDSPaper: Anchored to the Dot Plot: Central Bank Projections and Interest Rate Expectations: federalreserve.gov/econres/feds/a…

Call for papers: Global Research Forum on International Macroeconomics and Finance. Paper submissions due by May 31, 2026: federalreserve.gov/conferences/gl…

ICYMI: New #FEDSNote: Measuring Mutual Fund Liquidity with N-PORT: federalreserve.gov/econres/notes/…

ICYMI: New #FEDSNote: Trade Finance Activities of U.S. Banks: What the Data Can Tell Us: federalreserve.gov/econres/notes/…

Access all of the individual-level data from the Board’s SHED release. #FedResearch federalreserve.gov/consumerscommu…

Nearly half of Buy Now, Pay Later (BNPL) users said that they bought clothing or accessories with the product. One in five used the product to pay for groceries or food delivery.

In 2025, 16% of people used Buy Now, Pay Later (BNPL) in the prior 12 months, up from 15% in 2024 and 10% in 2021 when the survey first asked about BNPL.

Two in ten adults reported that they experienced financial fraud or scams involving their money, with 16% reporting fraud related to their credit card and 8% reporting another type of financial fraud.

In 2025, 43% of workers with a graduate degree used AI in the prior month, compared with 10% of workers with a high school degree or less. Workers under age 30 were less likely to have used generative AI than workers ages 30 to 59.

44% of workers agreed that generative AI saves time. Workers who used generative AI were much more likely to agree that it has benefits and that having AI available will improve their career.

SHED data show that 7% of all adults were laid off in 2025, up from 6% in 2024. The share of all adults who left a job voluntarily was 8% in 2025, down from 9% in 2024.

Overall, the report shows that financial well-being was similar to the previous two years as concerns about prices persisted and labor market conditions remained solid despite some softening.  (2/4) Read the report: federalreserve.gov/publications/r…

Access interactive data from the Board’s SHED release: (4/4) federalreserve.gov/data/dataviz.h…

In 2025, 73% of adults reported doing okay or living comfortably financially. The share of adults doing okay financially or living comfortably has remained at or near 73% since 2022. (3/4) Learn more: federalreserve.gov/publications/r…

The annual Survey of Household Economics and Decisionmaking (SHED) offers insight into the financial well-being of U.S. adults and their families & provides important information about how people are faring in the economy: (1/4) federalreserve.gov/newsevents/pre… youtu.be/Eh4eFnUt1mk

ICYMI: New #FEDSNote: Investor Composition of Money Market Funds and Its Implications for Flow Dynamics: federalreserve.gov/econres/notes/…

ICYMI: New #FEDSNote: Subprime Auto Lending: Trends in Buy Here Pay Here Auto Lending: federalreserve.gov/econres/notes/…

Patterns are consistent with a model where extensions efficiently remedy temporary strains. (2/2) #FEDSPaper federalreserve.gov/econres/feds/p…

ICYMI: The author presents evidence against banks extending-and-pretending CRE loans. Large banks tightened terms for loan extensions amid recent strains, contributing to strong performance for extended loans. (1/2) federalreserve.gov/econres/feds/p…