The Reserve Bank of Australia undertakes mystery shopping at banks; reverse engineers loan calculators at bank websites, to check for changes in lending standards; collects data on mortgage possessions from court officials; has staff ask banks about changes in their business and the marketplace, and has its research staff produce sober analysis of potentially vulnerable borrower types.The central bank yesterday published dozens of documents touching on these topics on its website following a freedom of information request from an unnamed media outlet.The documents are extracts from various internal reports, board reports and working papers relating to credit standards in housing lending, arrears and impairments that were created by the RBA between January and mid-August.Most of the documents are the work of the Financial Stability and Domestic Markets departments of the RBA.Most of the analysis has appeared, in a more compact form, in the quarterly Statements on Monetary Policy, the half-yearly Financial Stability Review and in staff speeches over the year.They are, thus, a bit like the Afghanistan war-logs produced by Wikileaks: spot reports and analysis that lack long-term impact, only in this case even more so since the creator of these works is pretty open about its analysis on many topics of public interest.There are some details of specialist interest, such as the finding that home-loan arrears rates of 90 days or more were a little lower as of December 2010 than was previously believed once better data was available from Perpetual, one of the trustee companies.There is a previously unpublished talk by Luci Ellis, head of the Financial Stability Department, to the 2011 Summer School of the Australian Securities and Investments Commission that reviews the difficulties in identifying asset bubbles and the dilemmas in framing policy responses to them.One document heading discloses that in June the Australian National Audit Office hosted a panel on "early warning systems for global financial crises" which may point at a work in progress on the effectiveness of financial regulators over recent years.