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However, Y-14 data contains detailed loan level information on loan terms and borrower characteristics

However, Y-14 data contains detailed loan level information on loan terms and borrower characteristics Bassett, William F., Mary Beth Chosak, John C. Driscoll, and Egon Zakrajsek. 2014. “Changes in Bank Lending Standards and the Macroeconomy.” Journal of Monetary Economics 62: 23–40. Herkenhoff, Kyle. 2019. “The Impact of Consumer Credit Access on Unemployment.” The Review of