New Perspectives on Consumer Behavior in Credit and Payments Markets

Conference dates

09 Sep 2021 - 10 Sep 2021


Federal Reserve Bank of Philadelphia or Virtually


The Consumer Finance Institute and the Research Department of the Federal Reserve Bank of Philadelphia are co-organizing their 11th biennial conference focusing on new research in consumer credit and payments.

The landscape of household finance and consumer payments is evolving rapidly, and this conference seeks to capture the latest research. We encourage researchers to submit theoretical and empirical studies that reflect the entire range of approaches and methodologies. We also encourage submissions that address the design and efficacy of regulations for consumer credit markets.

TOPICS: The following list of suggested topics is not intended to be exclusive:
- COVID-19 pandemic, consumer credit, and the real economy;
- Social, racial, and gender equity in household finance;
- Climate change and consumer credit;
- Consumer credit default, bankruptcy, forbearance, and foreclosure;
- Regulation of consumer finance and payments;
- Economics of emerging real-time payments, and digital currencies; and
- Applications of new data and techniques to consumer credit and payments.

PAPER SUBMISSION PROCEDURE: Please upload an electronic copy (PDF only) of your paper to by June 1, 2021.

The conference will be held at the Federal Reserve Bank of Philadelphia or online on September 9–10, 2021. We will monitor the pandemic situation to ensure your health and safety and adjust the format accordingly, if necessary.

If this will be an in-person event, accommodations and partial financial support for travel expenses will be provided to the presenting author of each paper accepted for the program.

FURTHER INFORMATION: If you have questions, please contact the conference organizers at

- Moussa Diop, University of Southern California
- Ronel Elul, Federal Reserve Bank of Philadelphia
- Emily Gallagher, University of Colorado Boulder
- Andrew Hertzberg, Federal Reserve Bank of Philadelphia
- Robert Hunt, Federal Reserve Bank of Philadelphia
- Lauren Lambie-Hanson, Federal Reserve Bank of Philadelphia
- Slava Mikhed, Federal Reserve Bank of Philadelphia