P. Calem

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Consumer Credit Scoring: Do Situational Circumstances Matter?

R. Avery, Glenn B. Canner, P. Calem, 2004 .

Credit risk, credit scoring, and the performance of home mortgages

Raphael W. Bostic, R. Avery, Glenn B. Canner, 1996 .

Credit Scoring: Statistical Issues and Evidence from Credit-Bureau Files

Raphael W. Bostic, R. Avery, Glenn B. Canner, 2000 .

An overview of consumer data and credit reporting

Paul S. Calem, Robert B. Avery, R. Avery, 2003 .

Consumer Behavior and the Stickiness of Credit Card Interest Rates

Loretta J. Mester, Paul S. Calem, P. Calem, 1994 .

Switching Costs and Adverse Selection in the Market for Credit Cards: New Evidence

Michael B. Gordy, Loretta J. Mester, P. Calem, 2005 .

Credit report accuracy and access to credit

R. Avery, Glenn B. Canner, P. Calem, 2004 .

Competition and specialization in the hospital industry: an application of Hotelling's location model

Paul S. Calem, J. Rizzo, P. Calem, 1995 .

The Simple Analytics of Observed Discrimination in Credit Markets

M. Stutzer, P. Calem, 1995 .

Anatomy of a Fair Lending Exam: The Uses and Limitations of Statistics*

S. Longhofer, P. Calem, 2000 .

The Concentration/Conduct Relationship in Bank Deposit Markets

Gerald A. Carlino, G. Carlino, P. Calem, 1991 .

The Impact of Capital-Based Regulation on Bank Risk-Taking☆

Rafael Rob, Paul S. Calem, R. Rob, 1999 .

Regulatory Capital Arbitrage and the Potential Competitive Impact of Basel II in the Market for Residential Mortgages

P. Calem, James R. Follain, 2007 .

The Potential Competitive Impacts of Basel II in the U.S. Market for Residential Mortgages Statement before the U.S. House of Representatives Subcommittees on Financial Institutions and Consumer Credit and on Domestic and International Monetary Policy

P. Calem, 2005 .

Branch Banking and the Geography of Bank Pricing

L. Nakamura, P. Calem, 1998, Review of Economics and Statistics.

The Delaware Valley Mortgage Plan: Extending the Reach of Mortgage Lenders

P. Calem, 1993 .

Information Losses in Home Purchase Appraisals

L. Nakamura, P. Calem, Lauren Lambie‐Hanson, 2015 .

House-Price Expectations, Alternative Mortgage Products, and Default

J. Brueckner, L. Nakamura, P. Calem, 2014 .

House-Price Expectations, Alternative Mortgage Products, and Default

J. Brueckner, L. Nakamura, P. Calem, 2013 .

Hitting the Wall: Credit as an Impediment to Homeownership By

P. Calem, 2003 .

The impact of geographic deregulation on small banks

P. Calem, 1994 .

THE IMPACT OF CAPITAL-BASED REGULATION ON BANK THE IMPACT OF CAPITAL-BASED REGULATION ON BANK RISK-TAKING: A DYNAMIC MODEL RISK-TAKING: A DYNAMIC MODEL

R. Rob, P. Calem, 1996 .

Prudential Policies and Their Impact on Credit in the United States

P. Calem, S. J. Lee, Ricardo Correa, 2016, Journal of Financial Intermediation.

The impact of capital-based regulation on bank risk-taking: a dynamic model

R. Rob, P. Calem, 1996 .

Borrowing Constraints and Homeownership Over the Recent Cycle

S. Wachter, P. Calem, Arthur Acolin, 2016 .

The welfare effects of mergers in the hospital industry

J. Rizzo, A. Dor, P. Calem, 1999 .

The Impact of the 2007 Liquidity Shock on Bank Jumbo Mortgage Lending

Francisco Covas, P. Calem, Jason Wu, 2013 .

Interstate bank mergers and competition in banking

P. Calem, 1987 .

The strange behavior of the credit card market

P. Calem, 1992 .

Why Mortgage Borrowers Persevere: An Explanation of First and Second Lien Performance Mismatch

P. Calem, R. Sarama, 2017 .

Foreclosure Delay and Consumer Credit Performance

Julapa Jagtiani, P. Calem, W. Lang, 2016, Journal of Financial Services Research.

Foreclosure Delay and Consumer Credit Performance

Julapa Jagtiani, P. Calem, W. Lang, 2014 .

Does Credit Quality Matter for Homeownership?

Raphael W. Bostic, P. Calem, Susan M. Wachter, 2003 .

Subprime Mortgages and the Housing Bubble

J. Brueckner, L. Nakamura, P. Calem, 2011 .

Borrowing Constraints during the Housing Bubble

Paul S. Calem, P. Calem, Susan M. Wachter, 2013 .

Risk Based Capital Requirements for Mortgage Loans

Michael LaCour-Little, P. Calem, Michael LaCour-Little, 2001 .

Geographic Patterns of Serious Mortgage Delinquency: Cross-MSA Comparisons

Hui Chen, P. Calem, Lariece M. Brown, 2012 .

Neighborhood patterns of subprime lending: Evidence from disparate cities

P. Calem, Susan M. Wachter, Jonathan E. Hershaff, 2004 .

The Neighborhood Distribution of Subprime Mortgage Lending

P. Calem, Susan M. Wachter, Kevin Gillen, 2003 .

'Cream-Skimming' in Subprime Mortgage Securitizations: Which Subprime Mortgage Loans Were Sold by Depository Institutions Prior to the Crisis of 2007?

P. Calem, Christopher C. Henderson, J. Liles, 2010 .

Banks as information specialists: The case of hospital lending

J. Rizzo, P. Calem, 1992 .

Appraising Home Purchase Appraisals

L. Nakamura, P. Calem, Jeanna Kenney, 2017, Real Estate Economics.

Mortgage credit availability in low- and moderate-income minority neighborhoods: Are information externalities critical?

P. Calem, 1996 .

Is the Community Reinvestment Act Still Relevant to Mortgage Lending?

P. Calem, Susan M. Wachter, Lauren Lambie‐Hanson, 2020, Housing Policy Debate.

Is the CRA Still Relevant to Mortgage Lending?

P. Calem, Susan M. Wachter, Lauren Lambie‐Hanson, 2019, Social Science Research Network.

Community Reinvestment and Credit Risk: Evidence from an Affordable Home Loan Program

P. Calem, Susan M. Wachter, 1999 .

Credit impairment and housing tenure status

P. Calem, Susan M. Wachter, S. Firestone, 2010 .

Trends in home purchase lending: consolidation and the Community Reinvestment Act

Raphael W. Bostic, R. Avery, Glenn B. Canner, 1999 .

Borrowing Constraints and Homeownership

P. Calem, Arthur Acolin, Susan M. Wachter, 2016 .

Patterns of Residential Mortgage Activity in Philadelphia’s Low- and Mode Rate-Income Neighborhoods: 1990–91

P. Calem, 2018, Mortgage Lending, Racial Discrimination, and Federal Policy.

The Community Reinvestment Act: increased attention and a new policy statement

P. Calem, 1989 .

Credit Cycle and Adverse Selection Effects in Consumer Credit Markets – Evidence from the Heloc Market

L. Nakamura, P. Calem, M. Cannon, 2011 .

WORKING PAPER NO . 11-13 CREDIT CYCLE AND ADVERSE SELECTION EFFECTS IN CONSUMER CREDIT MARKETS – EVIDENCE FROM THE HELOC MARKET Paul Calem Board of Governors of the Federal Reserve System

P. Calem, M. Cannon, Corelogic Leonard Nakamura, 2011 .

Changes in the distribution of banking offices

Raphael W. Bostic, R. Avery, Glenn B. Canner, 1997 .

Using HMDA Data as a Regulatory Screen for Fair Lending Compliance

Paul S. Calem, Patricia E. Beeson, Robert B. Avery, 1997 .

Consolidation and bank branching patterns

Raphael W. Bostic, Paul S. Calem, Robert B. Avery, 1999 .

Regulating consumer credit

Julapa Jagtiani, P. Calem, W. Lang, 2016 .

Redefault Risk in the Aftermath of the Mortgage Crisis: Why Did Modifications Improve More than Self-Cures?

Julapa Jagtiani, P. Calem, R. Maingi, 2018, Journal of Real Estate Research.

Lie Group Methods and the Theory of Estimating Total Productivity

R. Sato, P. Calem, 1983 .

Urban agglomeration economies in the presence of technical change

Gerald A. Carlino, Paul S. Calem, P. Calem, 1991 .

Multiproduct two part tariffs

Daniel F. Spulber, Paul S. Calem, P. Calem, 1984 .

Sustainable Homeownership

M. Courchane, P. Calem, Susan M. Wachter, 2009 .

The Impact of a Liquidity Shock on Bank Lending : The Case of the 2007 Collapse of the Private-Label RMBS Market

Francisco Covas, P. Calem, Jason Wu, 2011 .

WORKING PAPER NO . 11-12 SUBPRIME MORTGAGES AND THE HOUSING BUBBLE

J. Brueckner, L. Nakamura, P. Calem, 2011 .

Mortgage brokers and fair lending

S. Longhofer, P. Calem, 1999 .

The Delaware Valley Mortgage Plan: an analysis using HMDA data

Paul S. Calem, P. Calem, 1992 .

Credit Impairment and Housing Tenure Choice

P. Calem, Susan M. Wachter, S. Firestone, 2008 .

The new bank deposit markets: goodbye to Regulation Q

P. Calem, 1985 .

On Estimating Technical Progress and Returns to Scale

P. Calem, 1990 .

What Explains the Post–2011 Trends of Longer Maturities and Rising Default Rates on Auto Loans?

P. Calem, C. Ramasamy, Jenna Wang, 2020 .