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Report
Analyzing Racial and Ethnic Data in the Survey of Young Workers
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 ...
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Report on the Economic Well-Being of U.S. Households in 2016
In order to monitor the economic status of American consumers, the Federal Reserve Board conducted the fourth annual Survey of Household Economics and Decisionmaking in October 2016. This survey provides insights into the well-being of U.S. households and consumers, and provides important information about how individuals and their families are faring in the economy. Topics examined in the survey include individuals’ overall financial well-being, employment experiences, income and savings behaviors, economic preparedness, access to banking and credit, housing and living arrangement ...
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An Analysis of the Impact of the Commercial Real Estate Concentration Guidance
This paper analyzes aspects of the interagency guidance issued in 2006, titled “Concentrations in Commercial Real Estate Lending, Sound Risk Management Practices.”1 The recent financial crisis and recession provide an opportunity to consider the relationship between the guidance and banks’ commercial real estate (CRE) concentrations and performance during the downturn. This paper also analyzes how the share of banking institutions with high levels of CRE concentration, as defined in the guidance, has changed over time (part 2); documents the effect of CRE concentrations on bank failures ...
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Federal Reserve Supervision and Regulation Report, April 2021
The Federal Reserve Board publishes this semiannual report to inform the public about its efforts to promote safety and soundness in the banking system. It includes information about banking conditions and the Board's supervisory and regulatory policies and actions.This issue of the report focuses on the Federal Reserve's regulatory and supervisory response to the economic and financial stresses created by the COVID event.
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Innovative Ideas for Revitalizing the LIHTC Market
Given the adverse impact of the current economic conditions on homeownership, the development of rental housing is becoming increasingly important, not only to provide homes for families, but also to help stabilize neighborhoods. The Federal Reserve System, because of its interest in maintaining economic stability, has long had an interest in the Low Income Housing Tax Credit (LIHTC) program, a major source of capital for the development of rental housing. The Fed’s Community Affairs function is particularly focused on stability and opportunity in low-income communities. This includes ...
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Putting Data to Work: Data-Driven Approaches to Strengthening Neighborhoods
The purpose of this publication is to share examples of the innovative ways in which communities are building data systems to improve knowledge of local demographic trends and then to target their limited resources to most effective use. This compilation of work offers case studies and best practices for municipalities, universities, nonprofits, funders, and other local partners who want to increase their capacity to gather, analyze, disseminate, and use data to inform and support neighborhood stabilization decisions and activities. It provides replicable information on how cities and other ...
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Browsing to Borrow: "Mom & Pop" Small Business Perspectives on Online Lenders
This report examines small business owners' perceptions of online lenders and their understanding and interpretation of the information that online lenders use to describe their credit products.
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Report to the Congress on the Office of Minority and Women Inclusion, March 2012
The Board of Governors of the Federal Reserve System (the Board) is responsible for implementing numerous provisions of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (Dodd-Frank Act). The Dodd-Frank Act requires, among other things, that the Board produce reports to the Congress on a number of potential reform topics. Pursuant to section 342(e) of the Dodd-Frank Act, Sheila Clark, director of the Board’s Office of Diversity and Inclusion, submits this first annual report to the Congress outlining the activities, successes, and challenges of the office. In January ...