Report
April 2016 Senior Loan Officer Opinion Survey on Bank Lending Practices
Board of Governors of the Federal Reserve System (U.S.) (2016)
The April 2016 Senior Loan Officer Opinion Survey on Bank Lending Practices addressedchanges in the standards and terms on, and demand for, bank loans to businesses and householdsover the past three months. This summary discusses the responses from 70 domestic banks and22 U.S. branches and agencies of foreign banks
Reports and Studies

Report
Report to the Congress on the Office of Minority and Women Inclusion, March 2017
Board of Governors of the Federal Reserve System (U.S.) (2017)
The Board of Governors of the Federal Reserve System (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 Congress on a number of topics. As required by the Dodd-Frank Act, the OMWI submits an annual report to the Congress outlining its activities, successes, and challenges. This is the Board’s OMWI report for calendar-year 2016. Each of the Federal Reserve Banks also submits a separate report to the ...
Reports and Studies

Report
Perspectives from Main Street: Stakeholder Feedback on Modernizing the Community Reinvestment Act
Board of Governors of the Federal Reserve System (U.S.) (2019-06)
This report is a summary of feedback received from bankers and community groups during a series of 29 roundtable discussions on the current state of, and potential revisions to, the Community Reinvestment Act (CRA). The information was gathered from CRA roundtables hosted by the Federal Reserve Board and the Federal Reserve Banks held between October 2018 and January 2019. The views shared at the roundtables, as summarized in this report, will factor into the Board’s consideration of any CRA modernization proposals.
Reports and Studies

Report
Report to the Congress on Government-Administered, General-Use Prepaid Cards, July 2017
Board of Governors of the Federal Reserve System (U.S.) (2017)
Section 1075 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act), which added section 920 to the Electronic Fund Transfer Act (EFTA), requires the Federal Reserve Board (Board) to report annually to the Congress on the prevalence of use of general-use prepaid cards in federal, state, and local government-administered payment programs and on the interchange fees and cardholder fees charged with respect to the use of such cards. The Board collected 2016 data from 18 bank issuers, three nonbank financial institutions, and two federal government agencies on ...
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 Government-Administered, General-Use Prepaid Cards, July 2015
Board of Governors of the Federal Reserve System (U.S.) (2015)
Section 1075 of the Dodd-Frank Act, which added section 920 to the Electronic Fund Transfer Act (EFTA), requires the Federal Reserve Board to report annually to the Congress on the prevalence of use of general-use prepaid cards in federal, state, and local government-administered payment programs and on the interchange fees and cardholder fees charged with respect to the use of such prepaid cards. The Board collected 2014 data from 15 bank issuers on programs using prepaid cards as a method to disburse funds. Issuers reported on 889 government programs that used prepaid cards to disburse ...
Reports and Studies

Report
2012 Annual Report to the Congress on the Presidential $1 Coin Program
Board of Governors of the Federal Reserve System (U.S.) (2012)
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 (Board) is required to submit an annual report to the Congress that includes an assessment of the remaining obstacles to the efficient and timely circulation of $1 coins; 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 2011 annual report, there was a substantial change to the Presidential $1 coin ...
Reports and Studies

Report
Report to the Congress on the Availability of Credit to Small Businesses - September 2012
Board of Governors of the Federal Reserve System (U.S.) (2012-09)
This report is prepared in accordance with section 2227 of the Economic Growth and Regulatory Paperwork Reduction Act of 1996, which requires that, every five years, the Board of Governors of the Federal Reserve System submit a report to the Congress detailing the extent of small business lending by all creditors. The report discusses recent patterns in the flows and terms of business credit, credit use by small firms, and the sources of credit provided to small businesses, with an emphasis on the lending activities of commercial banks. The securitization of small business loans and community ...
Reports and Studies

Report
2015 Interchange Fee Revenue, Covered Issuer Costs, and Covered Issuer and Merchant Fraud Losses Related to Debit Card Transactions
Board of Governors of the Federal Reserve System (U.S.) (2016)
The Electronic Fund Transfer Act requires the Federal Reserve Board (Board) to biennially publish data on costs incurred, and interchange fees charged or received, by debit card issuers and payment card networks. The Board conducted its first data collection in 2010, collecting data from payment card networks and issuers for calendar year 2009. The information from the first data collection assisted the Board in developing Regulation II and was included in a report published in June 2011. The second report, published in March 2013, summarized data for the calendar year 2011. The third report, ...
Reports and Studies

Report
Preserving Minority Depository Institutions, July 2017
Board of Governors of the Federal Reserve System (U.S.) (2017-07)
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). ...
Reports and Studies