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Among politicians and the public, there seems to be bipartisan support for a credit card interest rate cap (at 10%). Almost everyone is in favor of free stuff—why not zero rates—but there is no free lunch.
Recent Insights
Does Unemployment Predict Commercial Loan Losses?
The Short Answer: Historically, No, It’s the Other Way Around The Long Answer: let’s look at scatter plots and correlations and see the two large problems with using it. This is the third in a series of three posts. Two Regimes In our fir…
Read MoreUnemployment as a Commercial Loan Loss Predictor
This the first in a sequence of three posts. The second describes alternatives to the unemployment rate for C&I loss forecasting, and the third one provides more evidence why the unemployment rate is a poor choice for C&I loss forecasting. Re…
Read More2017 – 2019 Federal Reserve and Company Run CCAR Results
Almost four years ago, we aggregated and published the Fed's and Companies' 2016 CCAR results. We're surprised by the continued interest in those nearly four-year-old numbers; so, we asked one of our analysts to generate similar graphs for 2017, 2018…
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