PHILADELPHIA, Pennsylvania, Jan. 24 (TNSLrpt) -- The Federal Reserve Bank of Philadelphia's Consumer Finance Institute issued a consumer credit working paper in Jan. 2026 by Florian Exler, Igor Livshits, James MacGee and Michele Tertilt entitled "Consumer Credit with Over-Optimistic Borrowers." Here is the abstract: * * * Do cognitive biases call for regulation to limit the use of credit? We incorporate over-optimistic and rational borrowers into an incomplete markets model with consumer bank  more

PHILADELPHIA, Pennsylvania, Jan. 24 (TNSLrpt) -- The Federal Reserve Bank of Philadelphia's Consumer Finance Institute issued a banking and financial markets working paper in Jan. 2026 by Xudong (Sean) An, Stuart A. Gabriel and Nitzan Tzur-Ilan entitled "The Effects of Wildfire and Distant Air Pollution on Household Financial Well-Being." Here is the abstract: * * * In this paper, we link granular wildfire burn, smoke plume, air pollution, and consumer credit data to estimate the impact of ex  more

PHILADELPHIA, Pennsylvania, Jan. 24 (TNSLrpt) -- The Federal Reserve Bank of Philadelphia's Consumer Finance Institute issued a mortgage markets article on Jan. 14, 2026 entitled "What About the Close Calls? In the Mortgage Market, the Behavior of One Group of Loan Applicants Is Particularly Enlightening." * * * We can learn a lot about the home loan market by looking at the millions of mortgage applications submitted in the United States every year. Mortgage data, which are available thanks t  more

WASHINGTON, Jan. 24 [Category: Political] -- The Ripon Society posted the following news release: * * * Fleischmann & Newhouse Tout Growing Support of Nuclear Power as a Way to Meet America's Increasing Energy Demand * "It's safe. It's clean. It's one of those energies that is actually attracting people from both sides of the aisle. It's truly amazing." WASHINGTON, D.C. - With America facing unprecedented energy demands driven by data centers, artificial intelligence, and technological adv  more

PHILADELPHIA, Pennsylvania, Jan. 24 [Category: BizLaw/Legal] -- Morgan Lewis, a law firm, issued the following news release: * * * The Big Whale's 2026 Predictions, The Big Whale * Partner Hubert de Vauplane commented in The Big Whale on the European Union's advancing digital euro agenda, as the project moves from technical groundwork into a decisive political phase. "With the ECB's technical preparation phase underway and the legislative debate now shifting to Parliament, the coming month  more

UNIVERSITY PARK, Pennsylvania, Jan. 24 -- Pennsylvania State University posted the following news: * * * Women's ice hockey clinches title, historic milestone in weekend action * UNIVERSITY PARK, Pa. -With a 7-0 win over Delaware on Jan. 24 at Pegula Ice Arena, the No. 4-ranked Penn State women's ice hockey team clinched its fourth straight regular season championship in the Atlantic Hockey America (AHA) conference. Penn State joins Mercyhurst as the only teams in conference history to win  more