Speeches and Publications
Below are select Federal Reserve publications and speeches that are broadly relevant to fintech and innovation.
Speeches
- Governor Lael Brainard, "Preparing for the Financial System of the Future" (February 18, 2022)
- Governor Christopher J. Waller, "CBDC: A Solution in Search of a Problem?" (August 5, 2021)
- Vice Chair for Supervision Randal K. Quarles, "Parachute Pants and Central Bank Money" (June 28, 2021)
- Governor Lael Brainard, "Private Money and Central Bank Money as Payments Go Digital: an Update on CBDCs" (May 24, 2021)
- Governor Michelle Bowman, "Community Bank Access to Innovation" (September 9, 2021)
- Chair Jerome Powell, "Pushing the Frontiers of Payments: Towards Faster, Cheaper, More Transparent and More Inclusive Cross Border Payments" (March 18, 2021)
- Governor Lael Brainard, "Supporting Responsible Use of AI and Equitable Outcomes in Financial Services" (January 12, 2021)
- Governor Lael Brainard, "An Update on Digital Currencies" (August 13, 2020)
- Governor Michelle W. Bowman, "Direction of Supervision: Impact of Payment System Innovation on Community Banks" (February 27, 2020)
- Governor Michelle W. Bowman, "Empowering Community Banks" (February 10, 2020)
- Governor Lael Brainard, "The Digitalization of Payments and Currency: Some Issues for Consideration" (February 5, 2020)
- Governor Lael Brainard, "Digital Currencies, Stablecoins, and the Evolving Payments Landscape" (October 16, 2019)
- Vice Chair for Supervision Randal Quarles, "The Financial Stability Board at 10 Years—Looking Back and Looking Ahead" (October 3, 2019)
- Governor Michelle W. Bowman, "Community Banking in the Age of Innovation" (April 11, 2019)
- Governor Lael Brainard, "What Are We Learning about Artificial Intelligence in Financial Services?" (November 13, 2018)
- Governor Lael Brainard, "Fintech and the Search for Full Stack Financial Inclusion" (October 17, 2018)
- Governor Lael Brainard, "Cryptocurrencies, Digital Currencies, and Distributed Ledger Technologies: What Are We Learning?" (May 15, 2018)
- Vice Chair for Supervision Randal K. Quarles, "Brief Thoughts on the Financial Regulatory System and Cybersecurity" (February 26, 2018)
- Governor Lael Brainard, "Where Do Banks Fit in the Fintech Stack?" (April 28, 2017)
- Vice Chair for Supervision Randal K. Quarles, "Thoughts on Prudent Innovation in the Payment System" (November 30, 2017)
- Chair Jerome H. Powell, "Financial Innovation: A World in Transition" (October 18, 2017)
- Governor Lael Brainard, "The Opportunities and Challenges of Fintech" (December 2, 2016)
- Governor Lael Brainard, "Community Banks, Small Business Credit, and Online Lending" (September 30, 2015)
Publications
- Board of Governors of the Federal Reserve System, Money and Payments: The U.S. Dollar in the Age of Digital Transformation (PDF) (January 2022)
- Carol A. Evans and Westra Miller, "From Catalogs to Clicks: The Fair Lending Implications of Targeted, Internet Marketing," Consumer Compliance Outlook, third issue, 2019
- Carol A. Evans, "Keeping Fintech Fair: Thinking About Fair Lending and UDAP Risks," Consumer Compliance Outlook, second issue, 2017. See also 2018 Outlook Live companion webinar
- "Perspectives on Fintech: A Conversation with Governor Lael Brainard," Consumer Compliance Outlook, third issue, 2016
- Teresa Curran, "Fintech: Balancing the Promises and Risks of Innovation," Consumer Compliance Outlook, third issue, 2016
- Tim Marder, "Fintech for the Consumer Market: An Overview," Consumer Compliance Outlook, third issue, 2016