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Report
Economic Well-Being of U.S. Households in 2024
Results from the 2024 Survey of Household Economics and Decisionmaking (SHED), which was fielded in October, indicate that people’s financial well-being was similar to the previous two years but below the high reached in 2021. Concerns about prices persisted, and labor market conditions remained solid. Inflation and prices continued to be the top financial concern. A majority of adults also said that changes in the prices they paid over the prior year had made their finances worse, but the share saying so declined from 2023. In response to higher prices, most people reported taking actions ...
Report
Report to the Congress on the Profitability of Credit Card Operations of Depository Institutions, August 1997
Section 8 of the Fair Credit and Charge Card Disclosure Act of 1988 directs the Federal Reserve to transmit annually to the Congress a report about the profitability of credit card operations of depository institutions. This is the eighth annual report. The analysis here is based to a great extent on information from two sources: the Consolidated Reports of Condition and Income (Call Report) and the Functional Cost Analysis (FCA).
Report
Changes in U.S. Family Finances from 2022 to 2025: Evidence from the Survey of Consumer Finances
The Survey of Consumer Finances (SCF) is a triennial cross-sectional survey of U.S. families. The survey collects information on families’ balance sheets, income, net worth, credit use, and other financial outcomes.
Report
Preserving Minority Depository Institutions - May 2019
This report pursues detailed questions on how minority owned banks serve their community by giving examples of minority owned banks and projects they have completed that serve their community. Banks included in this study are: United Bank of Philadelphia, a Black-American owned bank in Philadelphia, PA; International Bank of Commerce, a Hispanic-American Owned Bank in Laredo, TX; and CBW, an Asian-American owned bank in Weir, KS.
Report
Preserving Minority Depository Institutions - April 2018
This annual report to Congress details the actions taken to fulfill requirements outlined in section 308 of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) of 1989, as amended by the Dodd-Frank Act.
Report
Preserving Minority Depository Institutions - July 2017
The Board submits this report pursuant to section 367 of the Dodd-Frank Act. Section 367 of the Dodd-Frank Act requires the Board to submit an annual report to the Congress detailing the actions taken to fulfill the requirements outlined in section 308 of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) of 1989, as amended by the Dodd-Frank Act in 2010. In addition to the annual reporting requirement, FIR-REA section 308 requires the Federal Reserve System (System) to devote efforts toward preserving minority ownership of minority depository institutions (MDIs). ...
Report
Preserving Minority Depository Institutions - July 2016
The Board submits this report pursuant to section 367 of the Dodd-Frank Act. This section requires the Board to submit an annual report to the Congress detailing the actions taken to fulfill requirements outlined in section 308 of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) of 1989, as amended by the Dodd-Frank Act. In addition to the annual reporting requirement, FIRREA section 308 requires the Federal Reserve System (System) to devote efforts toward preserving minority ownership of minority depository institutions (MDIs). Comments on the System’s efforts to ...
Report
Preserving Minority Depository Institutions - 2013
The Board submits this report pursuant to section 367 of the Dodd-Frank Act. This section requires the Board to submit an annual report to the Congress detailing the actions taken to fulfill requirements outlined in section 308 of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) of 1989, as amended by the Dodd-Frank Act. In addition to the annual reporting requirement, FIRREA section 308 requires the Federal Reserve System (System) to devote efforts towards preserving minority ownership of minority depository institutions (MDIs). Comments on the System’s efforts to ...
Report
Uncertain Terms: What Small Business Borrowers Find When Browsing Online Lender Websites
This report discusses findings of a study conducted by the Federal Reserve Board and the Federal Reserve Bank of Cleveland to assess the information presented to prospective borrowers on small business online lender websites.