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Report
April 2016 Senior Loan Officer Opinion Survey on Bank Lending Practices
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
Report
Report to the Congress on the Office of Minority and Women Inclusion, March 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 ...
Report
Perspectives from Main Street: Stakeholder Feedback on Modernizing the Community Reinvestment Act
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.
Report
Report to the Congress on Government-Administered, General-Use Prepaid Cards, July 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 ...
Report
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 ...
Report
Insights into the Financial Experiences of Older Adults: A Forum Briefing Paper, July 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 ...
Report
Federal Reserve Supervision and Regulation Report, November 2022
The Federal Reserve Board publishes its semiannual Supervision and Regulation Report to inform the public and provide transparency about its supervisory and regulatory policies and actions, as well as current banking conditions.
Report
Report to the Congress on Government-Administered, General-Use Prepaid Cards, July 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 ...
Report
2012 Annual Report to the Congress on the Presidential $1 Coin Program
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 ...
Report
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 ...