What Types of Customer Data Do Fintech Firms Use?
Stackhouse, Julie L. (2020-04-17)
Beyond cash flow and credit scores, technology-driven lenders have also looked at social media activity and phone ownership.
On the Economy

Journal Article
Central view: on the \\"too big to fail\\" debate: implications of the Dodd-Frank Act
Stackhouse, Julie L. (2013-07)
It is common knowledge that the banking industry has become increasingly consolidated over the past 25 years. In 1990, prior to a number of banking law changes, the nation housed around 12,500 charters. Today, there are roughly 6,000 charters, with consolidated assets of the top 10 U.S. banking firms representing approximately 64 percent of U.S. banking assets. Without question, operations of these large firms magnified the financial crisis, emphasizing their systemic importance. The resulting landmark legislation?the Dodd-Frank Act?is intended to reduce systemic risk and, ultimately, end ...
Central Banker , Issue Summer

Journal Article
Central view: broadening the dialogue
Stackhouse, Julie L. (2011-04)
We consider it critical that the voice of ?main street? lending institutions be considered in the formulation of good supervisory policy.
Central Banker , Issue Spring

Journal Article
Another tough year for community banks: what lies ahead?
Stackhouse, Julie L. (2010-01)
Central Banker , Issue Win

Journal Article
Central View: Opportunities Are Present among Uncertainty
Stackhouse, Julie L. (2013-01)
Julie Stackhouse, senior vice president of banking supervision, points out that while there has been great progress by community banks since the end of the banking crisis, the news is still mixed. Earnings have rebounded, but pressure on net interest margins remains a concern. Still, there is a role for well-managed banks. Those banks planning for the challenges will be best positioned to survive them.
Central Banker , Issue Winter

Journal Article
Community banking in the 21st century
Stackhouse, Julie L. (2013-10)
Central Banker , Issue Fall

What Is the Community Reinvestment Act?
Stackhouse, Julie L. (2020-07-23)
Banks have to balance two requirements: Lend to low- and moderate-income neighborhoods, and maintain “safe and sound” banking practices.
On the Economy

Journal Article
Navigating the brave new world of bank liquidity
Stackhouse, Julie L.; Vaughan, Mark D. (2003-07)
By traditional measures, liquidity risk for banks is higher today than 10 years ago. But new measures-necessitated by new funding sources-tell another story.
The Regional Economist , Issue Jul , Pages 12-13

Will Digital Wallets Replace Cash?
Stackhouse, Julie L. (2020-05-18)
Dialogue with the Fed attendees hear about the opportunities and challenges involved with digital wallets like Venmo.
On the Economy