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Oct 10, 2019 · (Federal Reserve Bank of Kansas City RWP 20-13, Federal Reserve Bank of Richmond RWP 20-12 , Federal Reserve Bank of St Louis RWP 2019-025C) The goal of this paper is to show that household-level financial distress (FD) varies greatly, meaning there is unequal exposure to macroeconomic risk, and that FD can increase macroeconomic vulnerability. Mar 01, 2020 · Federal Reserve Bank of St. Louis. Date Written: March, 2020. ... I find that UI benefits are the most effective tool to stabilize income for borrowers, who are the ...