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Federal Reserve Bank of Philadelphia Consumer Finance Institute: 'Does Experience Matter? Past Fraud Exposure, Data Compromises, and Credit Market Behavior'
February 28, 2026
PHILADELPHIA, Pennsylvania, Feb. 28 (TNSLrpt) -- The Federal Reserve Bank of Philadelphia's Consumer Finance Institute issued a consumer credit working paper by Nathan Blascak and Ying Lei Tohon in Feb. 2026 entitled "Does Experience Matter? Past Fraud Exposure, Data Compromises, and Credit Market Behavior."

Here are excerpts:

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We focus on two kinds of past experiences with fraud: direct experience with fraud and a "near-miss" . . .

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