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Series:Emerging Issues  Bank:Federal Reserve Bank of Chicago 

Journal Article
A legal analysis of a banking industry online identity and attribute authentication service for consumers and merchants

This is a legal and risk analysis of an online identity and attribute authentication service developed by the Financial Agent Source Transaction (FAST) initiative of the Financial Service Technology Consortium (FSTC). The FSTC is a not-for-profit group organized to enhance the competitiveness of the financial services industry. Members include banks, financial services providers, research laboratories, universities, technology companies and government agencies. FSTC sponsors project-oriented, collaborative research and development on inter-bank technical projects affecting the financial ...
Emerging Issues , Issue Sep

Journal Article
Network vulnerabilities and risks in the retail payment system

Changes in retail payments technology will impact the operational risk of commercial banks. This study provides a more in-depth discussion of the ramifications these changes have for bank supervision and policy makers. In addition to operational risk concerns identified by previous researchers, this paper identifies network vulnerabilities as a potential resiliency concern.
Emerging Issues

Journal Article
Impact of independent directors and the regulatory environment on merger prices and motivation: evidence from large bank mergers in the 1990s

Emerging Issues , Issue Dec

Journal Article
Pooled trust preferred stock -- a new twist on an older product

Emerging Issues , Issue Mar

Journal Article
Questions every banker would like to ask about private banking and their answers

Emerging Issues , Issue May

Journal Article
Depressing recoveries

Emerging Issues , Issue Oct

Journal Article
Do market react to bank examination ratings? evidence of indirect disclosure of management quality through BHCs' application to convert to FHC

Emerging Issues , Issue Oct

Journal Article
A peek at the examiners playbook phase III

Emerging Issues , Issue May

Journal Article
Electronic bill payment and presentment: a primer

Electronic bill payment and presentment (EBPP) services are a core component of many financial institutions' on-line banking offerings. This paper discusses the laws (state and federal), regulations, and regulatory guidance generally applicable to EBPP services offered through financial institutions. Particular emphasis is given to (i) the Electronic Fund Transfer Act and Regulation E (including provisions relevant to dispute resolution, liability for unauthorized transactions, and electronic disclosure) and (ii) regulatory guidance with respect to outsourcing arrangements in connection with ...
Emerging Issues , Issue Dec

Journal Article
Why has stored value not caught on?

Why have general-purpose stored-value cards been unsuccessful in penetrating the U.S. market? Three necessary conditions for a payment instrument to be successful are discussed: consumers and merchants need to be convinced of its advantages over existing payment alternatives for at least some types of transactions; payment providers must convince consumers and merchants simultaneously of its benefits to achieve critical mass; and assure them that adequate safety and security measures have been implemented. This article discusses the credit card industry's success in meeting these necessary ...
Emerging Issues , Issue May

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