Report
2011 Annual Report to the Congress on the Presidential $1 Coin Program
Board of Governors of the Federal Reserve System (U.S.) (2011)
Pursuant to section 104 of the Presidential $1 Coin Act of 2005 (Public Law 109-145), the Board of Governors of the Federal Reserve System is required to submit an annual report to the Congress on the remaining obstacles to the efficient and timely circulation of $1 coins; on consultations with industry representatives, the vending industry, and other coin-accepting organizations; and recommendations for legislative action that the Board may determine to be appropriate. Since our 2010 annual report, the Federal Reserve Banks (the Reserve Banks) distributed nearly 290 million James Buchanan, ...
Reports and Studies

Report
The Federal Reserve System: Purposes and Functions
Board of Governors of the Federal Reserve System (U.S.) (2005)
This is the ninth edition of The Federal Reserve System: Purposes and Functions. It has been revised by staff members of the Federal Reserve Board to reflect the changes that have taken place in the monetary, regulatory, and other policy areas since publication of the eighth edition in 1994. It incorporates major changes in the law and in the structure of the financial system that have occurred over the past decade.
Reports and Studies

Report
Report to the Congress on the Profitability of Credit Card Operations of Depository Institutions, June 2012
Board of Governors of the Federal Reserve System (U.S.) (2012)
Section 8 of the Fair Credit and Charge Card Disclosure Act of 1988 directs the Federal Reserve Board to transmit annually to the Congress a report about the profitability of credit card operations of depository institutions. This is the twenty-second report. The analysis here is based to a great extent on information from the Consolidated Reports of Condition and Income (Call Report) and two Federal Reserve surveys, the Quarterly Report of Credit Card Interest Rates and the Survey of Terms of Credit Card Plans.
Reports and Studies

Report
Report to the Congress on the Profitability of Credit Card Operations of Depository Institutions, July 2018
Board of Governors of the Federal Reserve System (U.S.) (2018)
Section 8 of the Fair Credit and Charge Card Disclosure Act of 1988 directs the Federal Reserve Board to transmit annually to the Congress a report about the profitability of credit card operations of depository institutions. This is the 28th report. The analysis in this report is based to a great extent on information from the Consolidated Reports of Condition and Income (Call Reports) and the Quarterly Report of Credit Card Plans.
Reports and Studies

Report
Independent Foreclosure Review, July 2014
Board of Governors of the Federal Reserve System (U.S.) (2014)
Between April 2011 and April 2012, the Office of the Comptroller of the Currency (OCC), the Board of Governors of the Federal Reserve System (“Federal Reserve”), and the Office of Thrift Supervision (OTS) issued formal enforcement actions against 16 mortgage servicing companies to address a pattern of misconduct and negligence related to deficient practices in residential mortgage loan servicing and foreclosure processing identified by examiners during reviews conducted from November 2010 to January 2011. Beginning in January 2013, 15 of the mortgage servicing companies subject to ...
Reports and Studies

Report
The Federal Reserve Payments Study: 2017 Annual Supplement
Board of Governors of the Federal Reserve System (U.S.) (2017)
Since 2001, the Federal Reserve System has conducted a triennial Federal Reserve Payments Study (FRPS) to estimate aggregate trends in noncash payments in the United States. After the completion of the most recent FRPS in 2016, which reported on trends from 2012 to 2015, a smaller and more targeted annual supplementary data collection was launched to keep information current between the triennial studies. This brief reviews some early results from the 2017 annual update, which contains new estimates of trends for selected core pay­ment instruments from 2015 to 2016. In addition to new ...
Reports and Studies

Report
Insights into the Financial Experiences of Older Adults: A Forum Briefing Paper, July 2013
Board of Governors of the Federal Reserve System (U.S.) (2013)
The U.S. population is aging rapidly. By 2060, more than one in five individuals in the United States will be over the age of 65, up from one in seven today. The older adult population, here, defined as those 40 and older, represents multiple generations of individuals with varying financial circumstances and needs. Data show older adults as a group hold a greater share of household net worth than younger cohorts. However, substantial-and, for some, potentially irrecoverable-wealth losses resulting from the financial crisis are particularly acute for households without the capacity to work or ...
Reports and Studies

Report
Report to the Congress on the Profitability of Credit Card Operations of Depository Institutions, June 2004
Board of Governors of the Federal Reserve System (U.S.) (2004)
Section 8 of the Fair Credit and Charge Card Disclosure Act of 1988 directs the Federal Reserve Board to transmit annually to the Congress a report about the profitability of credit card operations of depository institutions. This is the fourteenth report. The analysis here is based to a great extent on information from the Consolidated Reports of Condition and Income (Call Report) and two Federal Reserve surveys, the Quarterly Report of Credit Card Interest Rates and the Survey of Terms of Credit Card Plans.
Reports and Studies

Report
Analyzing Racial and Ethnic Data in the Survey of Young Workers
Board of Governors of the Federal Reserve System (U.S.) (2015-10)
In November 2014, the Board of Governors of the Federal Reserve System released the initial findings from the Survey of Young Workers. The report focused on the experience and expectations of young adults in light of two substantial changes to the U.S. labor market: increases in globalization and automation that have reduced the availability of well-paid, secure jobs for less-educated persons and a long-run increase in the use of "contingent work" arrangements. Consequently, young adults have experienced higher rates of unemployment and lower rates of labor market participation than the ...
Reports and Studies

Report
Consumer Handbook on Adjustable-Rate Mortgages
Board of Governors of the Federal Reserve System (U.S.) (2012)
This handbook gives you an overview of ARMs, explains how ARMs work, and discusses some of the issues that you might face as a borrower.
Reports and Studies