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Daily Archives: April 18, 2013

Brief – Young Student Loan Borrowers Retreat from Housing and Auto Markets

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Young Student Loan Borrowers Retreat from Housing and Auto Markets, Meta Brown and Sydnee Caldwell

  • “Student loans have soared in popularity over the past decade, with the aggregate student loan balance, as measured in the FRBNY Consumer Credit Panel, reaching $966 billion at the end of 2012. Student debt now exceeds aggregate auto loan, credit card, and home-equity debt balances—making student loans the second largest debt of U.S. households, following mortgages. Student loans provide critical access to schooling, given the challenge presented by increasing costs of higher education and rising returns to a degree. Nevertheless, some have questioned how taking on extensive debt early in life has affected young workers’ post-schooling economic activity.”
  • Related postings on the financial system

    • CRS – Cybersecurity: Selected Legal Issues

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    Cybersecurity: Selected Legal Issues, April 17, 2013. “The federal government’s role in protecting U.S. citizens and critical infrastructure from cyber attacks has been the subject of recent congressional interest. Critical infrastructure commonly refers to those entities that are so vital that their incapacitation or destruction would have a debilitating impact on national security, economic security,… Continue Reading

    2013 edition of World Development Indicators

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    “The 2013 edition of World Development Indicators (WDI), released today, includes the latest available data on global development, poverty, the quality of people’s lives, the environment, the economy, the functioning of states and markets, and global links of finance, trade, and migration…This year’s edition has been substantially improved, with expanded highlights based on trends in… Continue Reading

    Foreign Investment and National Security: Economic Considerations

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    CRS – Foreign Investment and National Security: Economic Considerations. James K. Jackson, Specialist in International Trade and Finance, April 4, 2013 “The United States is the largest foreign direct investor in the world and also the largest recipient of foreign direct investment. This dual role means that globalization, or the spread of economic activity by… Continue Reading

    CRS – Changes to the Residential Mortgage Market

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    Changes to the Residential Mortgage Market: Legislation, Demographics, and Other Drivers. N. Eric Weiss, Specialist in Financial Economics, April 16, 2013 “Congressional interest in residential mortgage markets has increased following the collapse of the housing bubble, government financial support to the mortgage market, and housing’s perceived importance to the broader economic recovery. Since 2008, the… Continue Reading

    Submission of Mental Health Records to NICS and the HIPAA Privacy Rule

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    CRS – Submission of Mental Health Records to NICS and the HIPAA Privacy Rule, April 15, 2013 “Questions about the scope and efficacy of the background checks required during certain firearm purchases have gained prominence following recent mass shootings. These background checks are intended to identify whether potential purchasers are prohibited from purchasing or possessing… Continue Reading

    Intelligence, Surveillance, and Reconnaissance (ISR) Acquisition: Issues for Congress

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    CRS – Intelligence, Surveillance, and Reconnaissance (ISR) Acquisition:Issues for Congress. Marshall Curtis Erwin, Analyst in Intelligence and National Security, April 16, 2013 “Increasing calls for intelligence support and continuing innovations in intelligence technologies combine to create significant challenges for both the executive and legislative branches. Intelligence, surveillance, and reconnaissance (ISR) systems are integral components of… Continue Reading

    Recent Declines in Infant Mortality in the United States, 2005–2011

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    CDC – Recent Declines in Infant Mortality in the United States, 2005–2011. Marian F. MacDorman, Ph.D.; Donna L. Hoyert, Ph.D.; and T.J. Mathews, M.S. April 2013 Key findings: Following a plateau from 2000 through 2005, the U.S. infant mortality rate declined 12% from 2005 through 2011. Declines for neonatal and postneonatal mortality were similar. From… Continue Reading

    BIS- Implementation of PFMIs monitored by CPSS and IOSCO

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    “The Committee on Payment and Settlement Systems (CPSS) and the International Organization of Securities Commissions (IOSCO) have started the process of monitoring implementation of the Principles for financial market infrastructures (PFMIs). The PFMIs are international standards for payment, clearing and settlement systems, including central counterparties (CCPs) and trade repositories (TRs). They are designed to ensure… Continue Reading

    Trends in Foodborne Illness in the United States, 2012

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    CDC: “Each year, FoodNet reports on the changes in the number of people sickened with foodborne infections that have been confirmed by laboratory tests. “Foodborne diseases monitored through FoodNet include infections caused by the bacteria Campylobacter, Listeria, Salmonella, Shiga toxin-producing E. coli (STEC) O157 and non-O157, Shigella, Vibrio, and Yersinia, and the parasites Cryptosporidium and… Continue Reading