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Federal Reserve Bank of Philadelphia Consumer Finance Institute: 'Temporal Focal Points and Economic Outcomes: Evidence From U.S. Mortgage Lending'
April 07, 2026

PHILADELPHIA, Pennsylvania, April 7 (TNSLrpt) -- The Federal Reserve Bank of Philadelphia's Consumer Finance Institute issued a working paper in April 2026 entitled "Temporal Focal Points and Economic Outcomes: Evidence from U.S. Mortgage Lending."

Here are excerpts:

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Temporal focal points shape high-stakes economic outcomes. We investigate this proposition in the U.S. mortgage market by documenting novel within-month patterns in lending . . .

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