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Report
REO & Vacant Properties: Strategies for Neighborhood Stabilization
With this publication, we aim to shed light on how community development practitioners and policymakers can help stabilize the neighborhoods most at risk, that is, those beset by concentrations of foreclosures. The animating idea here is that community development practitioners should be guided by the best available research, by anecdotal reports of what efforts are working, and by the best new ideas about what other approaches might work. We culled the country for individuals and institutions that are deeply engaged in this issue, both academically and at street level. Our authors, ...
Report
2008 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 is required to assess and submit a report to the Congress on the remaining obstacles to the efficient and timely circulation of $1 coins; to assess the extent to which the goals of consultations with industry representatives, the vending industry, and other coin-accepting organizations are being met; and to provide such recommendations for legislative action the Board may determine to be appropriate. Since our 2007 annual reports, the Federal Reserve Banks ...
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 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
Consumers and Mobile Financial Services 2014
Mobile phones have increasingly become tools that consumers use for banking, payments, budgeting, and shopping. Given the rapid pace of developments in the area of mobile finance, the Federal Reserve Board began conducting annual surveys of consumers’ use of mobile financial services in 2011. The survey examines trends in adoption and use of mobile banking and payments, and how the emergence of mobile financial services affects how consumers interact with financial institutions. This report presents findings from the 2013 survey, which examined consumers’ use of mobile technology to ...
Report
Report to the Congress on the Profitability of Credit Card Operations of Depository Institutions, August 1998
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 ninth annual report. The analysis here is based to a great extent on information from the Consolidated Reports of Condition and Income (Call Report) and two Federal Reserve surveys, the Quarterly Report of Credit Card Interest Rates and the Survey of Terms of Credit Card Plans.
Report
Perspectives from Main Street: Bank Branch Access in Rural Communities
Perspectives from Main Street: Bank Branch Access in Rural Communities examines how rural consumers and small businesses use bank branches and how their communities have been affected by branch closures. The report includes information gathered at listening sessions hosted by Federal Reserve Banks across the country between July 2018 and January 2019, in addition to other data and research.