William R. Emmons: Publications and Papers

Recent Rise in Housing Costs Belies Long-Term Affordability
Federal Reserve Bank of St. Louis Housing Market Perspectives, Issue 2, September 2016.

"Choosing to Fail or Lack of Choice? The Demographics of Loan Delinquency"
with Lowell R. Ricketts and Tasso Pettigrew 
Federal Reserve Bank of St. Louis In the Balance, Issue 15, 2016.

"The Demographics of Delinquency: Tipping Points or Tip of the Iceberg?"
with Lowell R. Ricketts
Center for Household Financial Stability Working Paper, June 1, 2016.

If Housing Markets Are Recovering, Why Is the Homeownership Rate Still Falling?
Federal Reserve Bank of St. Louis Housing Market Perspectives, Issue 1, March 2016.

"The Importance of Wealth is Growing"
with Lowell R. Ricketts
Federal Reserve Bank of St. Louis In the Balance, Issue 13, 2015.

"Why Didn't Higher Education Protect Hispanic and Black Wealth?"
with Bryan J. Noeth
Federal Reserve Bank of St. Louis In the Balance, Issue 12, 2015.

"Age, Birth Year and Wealth"
with Bryan J. Noeth, introduction co-authored by Ray Boshara
The Demographics of Wealth: How Age, Education and Race Separate Thrivers from Strugglers in Today’s Economy, Essay No. 3, July 15, 2015.

"Education and Wealth"
with Bryan J. Noeth, introduction co-authored by Ray Boshara
The Demographics of Wealth: How Age, Education and Race Separate Thrivers from Strugglers in Today's Economy, Essay No. 2, May 5, 2015.

"The Middle Class May Be Under More Pressure Than You Think"
with Bryan J. Noeth
Federal Reserve Bank of St. Louis In the Balance, Issue 11, 2015.

"Race, Ethnicity and Wealth"
with Bryan J. Noeth, introduction co-authored by Ray Boshara
The Demographics of Wealth: How Age, Education and Race Separate Thrivers from Strugglers in Today’s Economy, Essay No. 1, Feb. 26, 2015.

"Five Simple Questions That Reveal Your Financial Health and Wealth"
with Bryan J. Noeth
Federal Reserve Bank of St. Louis In the Balance, Issue 10, 2014.

"The Great Recession Casts a Long Shadow on Family Finances"
with Ray Boshara and Bryan J. Noeth
St. Louis Fed On the Economy, Sept. 9, 2014.

"Despite Aggressive Deleveraging, Generation X Remains 'Generation Debt'"
with Bryan J. Noeth
Federal Reserve Bank of St. Louis In the Balance, Issue 9, 2014.

"Hispanic Population's Share of Wealth Likely to Increase by 2025"
with Bryan J. Noeth
Federal Reserve Bank of St. Louis In the Balance, Issue 8, 2014.

"The Economic and Financial Status of Older Americans: Trends and Prospects"
with Bryan J. Noeth
Center for Household Financial Stability Working Paper, revised April 18, 2014.
view media coverage of this paper »

"Asset Diversification and Low Debt Are the Keys to Building and Maintaining Wealth"
with Ray Boshara
Federal Reserve Bank of Philadelphia Cascade, No. 84, Winter 2014.

"Housing Crash Continues to Overshadow Young Families' Balance Sheets"
with Bryan J. Noeth
Federal Reserve Bank of St. Louis In the Balance, Issue 7, 2014.

"Wealth Recovery Still Not Complete, Remains Uneven Across Families and Locations"
with Bryan J. Noeth
Federal Reserve Bank of St. Louis In the Balance, Issue 6, 2013.

"Housing Rebound Broadens the Wealth Recovery But Much More is Needed"
with Bryan J. Noeth
Federal Reserve Bank of St. Louis In the Balance, Issue 5, 2013.

"Economic Vulnerability and Financial Fragility"
with Bryan J. Noeth
Federal Reserve Bank of St. Louis Review, September/October 2013.

"Still Digging Out: Real Net Worth per Household Has Rebounded 63 Percent Since Hitting Bottom in Early 2009"
with Bryan J. Noeth
Federal Reserve Bank of St. Louis In the Balance, Issue 4, 2013.

"After the Fall: Rebuilding Family Balance Sheets, Rebuilding the Economy"
with Ray Boshara
Federal Reserve Bank of St. Louis Annual Report 2012.
PDF version.

"The Nation's Wealth Recovery Since 2009 Conceals Vastly Different Balance-Sheet Realities among America's Families"
with Bryan J. Noeth
Federal Reserve Bank of St. Louis In the Balance, Issue 3, 2013.

"Why Did Young Families Lose So Much Wealth During the Crisis? The Role of Homeownership"
with Bryan J. Noeth
Federal Reserve Bank of St. Louis Review, January/February 2013.

"Mortgage Borrowing: The Boom and Bust"
with Bryan J. Noeth
Federal Reserve Bank of St. Louis The Regional Economist, January 2013.

"Why Did Young Households Lose so Much Wealth During the Crash? The Role of Homeownership"
with Bryan J. Noeth
Federal Reserve Bank of St. Louis Bridges, Fall 2012.

"Household Financial Stability: Who Suffered the Most from the Crisis?"
with Bryan J. Noeth, Federal Reserve Bank of St. Louis The Regional Economist, July 2012.

"Don't Expect Consumer Spending to Be the Engine of Growth It Once Was"
Federal Reserve Bank of St. Louis The Regional Economist, January 2012.

"The Foreclosure Crisis in 2008: Predatory Lending or Household Overreaching?"
with Kathy Fogel, Wayne Y. Lee, Deena Rorie, Liping Ma and Timothy J. Yeager
Federal Reserve Bank of St. Louis The Regional Economist, July 2011.

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