Speeches of Federal Reserve Officials

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• December 7, 2004
  It’s Not Just about the Models: Recognizing the Importance of Qualitative Factors in an Effective Risk-Management Process
  Governor Susan Schmidt Bies
  At the International Center for Business Information’s Risk Management 2004 Conference Geneva, Switzerland
  
• December 2, 2004
  The Logic of Monetary Policy
  Governor Ben S. Bernanke
  Before the National Economists Club, Washington, D.C.
  
• November 19, 2004
  Panel discussion: Euro in Wider Circles
  Chairman Alan Greenspan
  At the European Banking Congress 2004, Frankfurt, Germany
  
• November 18, 2004
  Fair Value Accounting
  Governor Susan Schmidt Bies
  To the International Association of Credit Portfolio Managers General Meeting, New York, New York
  
• November 15, 2004
  Recent Economic Experience and Outlook
  Governor Mark W. Olson
  At the Fraser Institute Roundtable Luncheon, Toronto, Canada
  
• November 5, 2004
  Financial Supervision Issues
  Governor Susan Schmidt Bies
  At the Securities Industry Association Annual Meeting, Boca Raton, Florida
  
• October 29, 2004
  Equilibrium Real Interest Rate: Theory and Application
  Vice Chairman Roger W. Ferguson, Jr.
  To the University of Connecticut School of Business Graduate Learning Center and the SS&C Technologies Financial Accelerator, Hartford, Connecticut
  
• October 26, 2004
  Factors Influencing Business Investment
  Vice Chairman Roger W. Ferguson, Jr.
  At the Greater Issues Series, The Citadel, Charleston, South Carolina
  
• October 23, 2004
  The Federal Reserve System and the Economy
  Governor Susan Schmidt Bies
  At the American Association of Individual Investors Washington Chapter Meeting, Arlington, Virginia
  
• October 21, 2004
  Enterprise Perspectives in Financial Institution Supervision
  Governor Susan Schmidt Bies
  At the University of Connecticut School of Law, Connecticut Law Review Symposium, Hartford, Connecticut
  
• October 21, 2004
  Oil and the Economy
  Governor Ben S. Bernanke
  At the Distinguished Lecture Series, Darton College, Albany, Georgia
  
• October 19, 2004
  The mortgage market and consumer debt
  Chairman Alan Greenspan
  At America’s Community Bankers Annual Convention, Washington, D.C.
  
• October 15, 2004
  Oil
  Chairman Alan Greenspan
  To the National Italian American Foundation, Washington, D.C.
  
• October 15, 2004
  How Should Policymakers Deal with Low-Probability, High-Impact Events?
  Governor Donald L. Kohn
  At the European Central Bank Conference on Monetary Policy and Imperfect Knowledge, Würzburg, Germany
  
• October 14, 2004
  International Monetary Reform and Capital Freedom
  Governor Ben S. Bernanke
  At the Cato Institute 22nd Annual Monetary Conference, Washington, D.C.
  
• October 8, 2004
  Panel discussion: Safeguarding Good Policy Practice through Maintaining Flexibility
  Vice Chairman Roger W. Ferguson, Jr.
  To the Conference on Reflections on Monetary Policy 25 Years after October 1979, Federal Reserve Bank of St. Louis, St. Louis, Missouri
  
• October 8, 2004
  Panel discussion: What Have We Learned Since October 1979?
  Governor Ben S. Bernanke
  To the Conference on Reflections on Monetary Policy 25 Years after October 1979, Federal Reserve Bank of St. Louis, St. Louis, Missouri
  
• October 7, 2004
  Monetary policy twenty-five years after October 1979
  Chairman Alan Greenspan
  To the Conference on Reflections on Monetary Policy Twenty-Five Years after October 1979, Federal Reserve Bank of St. Louis, St. Louis, Missouri
  (via videoconference)
  
• October 7, 2004
  Central Bank Talk and Monetary Policy
  Governor Ben S. Bernanke
  At the Japan Society Corporate Luncheon, New York, New York
  
• October 7, 2004
  Free Trade: What Do Economists Really Know?
  Vice Chairman Roger W. Ferguson, Jr.
  At the Conference on Trade and the Future of American Workers, Washington, D.C.
  
• October 6, 2004
  Questions and Reflections on the Personal Saving Rate
  Vice Chairman Roger W. Ferguson, Jr.
  To the National Bankers Association, Nashville, Tennessee
  
• October 5, 2004
  Banking
  Chairman Alan Greenspan
  At the American Bankers Association Annual Convention, New York, New York
  
• October 4, 2004
  The Implementation of Basel II: Some Issues for Cross-Border Banking
  Governor Ben S. Bernanke
  At the Institute of International Bankers' Annual Breakfast Dialogue, Washington, D.C.
  
• September 30, 2004
  Developments in Financial Markets and Financial Management
  Governor Susan Schmidt Bies
  At the Bond Market Association's Regional Bond Traders and Sales Managers Roundtable, Irving, Texas
  
• September 28, 2004
  Challenges Facing the Accounting Profession Today
  Governor Susan Schmidt Bies
  To the Cincinnati Chapter of the Ohio Society of Certified Public Accountants, Cincinnati, Ohio
  
• September 16, 2004
  Oil Shocks and Monetary Policy
  Governor Edward M. Gramlich
  At the Annual Economic Luncheon, Federal Reserve Bank of Kansas City, Kansas City, Missouri
  
• September 10, 2004
  Introductory remarks
  Governor Edward M. Gramlich
  At the 30th anniversary of the Neighborhood Housing Services of America, Washington, D.C.
  
• August 27, 2004
  Opening remarks
  Chairman Alan Greenspan
  At a symposium sponsored by the Federal Reserve Bank of Kansas City, Jackson Hole, Wyoming
  
• August 12, 2004
  Corporate Governance and Risk Management at Community Banks
  Governor Susan Schmidt Bies
  At the Federal Reserve Bank of Chicago Community Bank Directors Conference, Chicago, Illinois
  
• August 12, 2004
  Rules for Assessing Social Security Reform
  Governor Edward M. Gramlich
  At the Retirement Research Consortium Annual Conference, Washington, D.C.
  
• July 21, 2004
  A Retrospective on Business-Cycle Recoveries: Are "Jobless" Recoveries the New Norm?
  Vice Chairman Roger W. Ferguson, Jr.
  The Exchequer Club of Washington Luncheon, Washington, D.C.
  
• July 16, 2004
  Using Enterprise-Wide Risk Management to Effectively Execute Business Strategies
  Governor Susan Schmidt Bies
  At the Risk Management Association and Consumer Bankers Association Retail Risk
  Conference, Chicago, Illinois
  
• July 15, 2004
  Business Financial Conditions and Relationships with Bankers
  Governor Susan Schmidt Bies
  At the Financial Executives International Chicago Chapter Dinner, Chicago, Illinois
  
• July 7, 2004
  Productivity: Past, Present, and Future
  Vice Chairman Roger W. Ferguson, Jr.
  At the New York Association for Business Economics Meeting, New York, New York
  
• June 24, 2004
  Reducing Budget Deficits
  Governor Edward M. Gramlich
  At the Concord Coalition Budget and Fiscal Policy Conference, Washington, D.C.
  
• June 22, 2004
  Trends in Risk Management and Corporate Governance
  Governor Susan Schmidt Bies
  At the Financial Managers Society Finance and Accounting Forum for Financial Institutions, Washington, D.C.
  
• June 21, 2004
  Euro at Five: Ready for a Global Role?
  Governor Ben S. Bernanke
  At the European Economics and Financial Center Conference, Paris, France
  Governor Ben S. Bernanke presented identical remarks at the Institute for International Economics Conference, Washington, D.C., February 26, 2004
• June 15, 2004
  Economic Outlook
  Governor Mark W. Olson
  At the annual meeting of the Charlotte Regional Partnership, Charlotte, North Carolina
• June 10, 2004
  Regulatory Update: Banking Industry, Insurance, and Securities Activities
  Governor Mark W. Olson
  At the Bank Insurance and Securities Association Legislative, Regulatory, and Compliance Seminar, Washington, D.C.
• June 8, 2004
  Central Bank panel discussion: economic developments
  Chairman Alan Greenspan
  At the International Monetary Conference, London, England
  
• June 4, 2004
  The Outlook for Inflation
  Governor Donald L. Kohn
  National Economists Club luncheon meeting, Washington, D.C.
  
• June 3, 2004
  IASB reform
  Governor Susan Schmidt Bies
  International Accounting Standards Committee Foundation Meeting, New York, New York
  Statement submitted in writing
• May 22, 2004
  Economics and Ethical Behaviors
  Vice Chairman Roger W. Ferguson, Jr.
  2004 Distinguished Alumni Award, Sidwell Friends School, Washington, D.C.
  
• May 21, 2004
  Subprime Mortgage Lending: Benefits, Costs, and Challenges
  Governor Edward M. Gramlich
  At the Financial Services Roundtable Annual Housing Policy Meeting, Chicago, Illinois
  
• May 20, 2004
  Acceptance of the Eisenhower Medal for Leadership and Service
  Chairman Alan Greenspan
  Eisenhower Fellowship, Philadelphia, Pennsylvania
  
• May 20, 2004
  Gradualism
  Governor Ben S. Bernanke
  At an economics luncheon co-sponsored by the Federal Reserve Bank of San Francisco (Seattle Branch) and the University of Washington, Seattle, Washington
  
• May 20, 2004
  Workplace Financial Education
  Governor Edward M. Gramlich
  At the second meeting of the Financial Literacy and Education Commission, Washington, D.C.
  
• May 19, 2004
  Corporate Governance: Where Do We Go From Here?
  Governor Susan Schmidt Bies
  At the Institute of Internal Auditors Financial Services Conference, Arlington, Virginia
  
• May 17, 2004
  Corporate Governance and Community Banks
  Governor Susan Schmidt Bies
  Before the Annual Convention of the Arkansas Bankers Association, Hot Springs, Arkansas
  
• May 17, 2004
  The Role of Central Banks in Fostering Efficiency and Stability in the Global Financial System
  Vice Chairman Roger W. Ferguson, Jr.
  At the National Bank of Belgium Conference on Efficiency and Stability in an Evolving Financial System, Brussels, Belgium
  
• May 14, 2004
  Budget and Trade Deficits: Linked, Both Worrisome in the Long Run, but not Twins
  Governor Edward M. Gramlich
  At the Isenberg School of Management Seminar Series, Amherst, Massachusetts
  Governor Edward M. Gramlich presented identical remarks at the Los Angeles Chapter of the National Association for Business Economics Luncheon, Los Angeles, California, on March 31, 2004
  Governor Edward M. Gramlich presented identical remarks at the Euromoney Bond Investors Congress, London, England, on February 25, 2004
• May 13, 2004
  Financial literacy
  Chairman Alan Greenspan
  At the Federal Reserve Bank of Chicago’s Money Smart Conference, Chicago, Illinois
  (via videoconference)
  
• May 6, 2004
  Panel discussion: The Competitive Edge of Community Banks
  Governor Mark W. Olson
  At the Fortieth Annual Conference on Bank Structure and Competition, Sponsored by the Federal Reserve Bank of Chicago, Chicago, Illinois
  
• May 6, 2004
  Globalization and innovation
  Chairman Alan Greenspan
  At the Conference on Bank Structure and Competition, sponsored by the Federal Reserve Bank of Chicago, Chicago, Illinois
  (via satellite)
  
• May 6, 2004
  Financial Innovation and Effective Risk Management
  Governor Susan Schmidt Bies
  To the Financial Services Institute 2004, Washington, D.C.
  
• May 5, 2004
  The Federal Open Market Committee and the Formation of Monetary Policy
  Governor Mark W. Olson
  At the 26th Conference of the American Council on Gift Annuities, Orlando, Florida
  
• April 27, 2004
  Innovation in Financial Markets and Banking Relationships
  Governor Susan Schmidt Bies
  At the Financial Executives International 2004 Summit, San Diego, California
  
• April 27, 2004
  Energy
  Chairman Alan Greenspan
  Before the Center for Strategic & International Studies, Washington, D.C.
  
• April 26, 2004
  Current Issues in Corporate Governance
  Governor Susan Schmidt Bies
  At the Bank Administration Institute's Fiduciary Risk Management Conference 2004, Las Vegas, Nevada
  
• April 26, 2004
  Preview of the Redesigned Series 2004 U.S. $50 Note
  Governor Mark W. Olson
  At the Bureau of Engraving and Printing's Western Currency Facility, Fort Worth, Texas
  
• April 23, 2004
  The economic outlook and monetary policy
  Governor Ben S. Bernanke
  At the World Economy Laboratory Spring Conference, Washington, D.C.
  Governor Ben S. Bernanke presented identical remarks at the Bond Market Association Annual Meeting, New York, New York, on April 22, 2004
• April 23, 2004
  Global Imbalances
  Vice Chairman Roger W. Ferguson, Jr.
  At the European Institute Roundtable on Financial and Monetary Affairs, Washington, D.C.
  
• April 22, 2004
  The economic outlook and monetary policy
  Governor Ben S. Bernanke
  At the Bond Market Association Annual Meeting, New York, New York
  Governor Ben S. Bernanke presented identical remarks at the World Economy Laboratory Spring Conference, Washington, D.C., on April 23, 2004
• April 22, 2004
  The Economic Outlook and Financial Health of Bank Customers
  Governor Susan Schmidt Bies
  At the Economic Growth and Regulatory Paperwork Reduction Act Banker Outreach Meeting, Nashville, Tennessee
  
• April 16, 2004
  Financial Access for Immigrants: The Case of Remittances
  Governor Ben S. Bernanke
  At the Financial Access for Immigrants: Learning from Diverse Perspectives conference, Federal Reserve Bank of Chicago, Chicago, Illinois
  
• April 16, 2004
  Capitalizing reputation
  Chairman Alan Greenspan
  At the 2004 Financial Markets Conference of the Federal Reserve Bank of Atlanta, Sea Island, Georgia
  (via satellite)
  
• April 15, 2004
  What Policymakers Can Learn from Asset Prices
  Governor Ben S. Bernanke
  Before The Investment Analysts Society of Chicago, Chicago, Illinois
  
• April 8, 2004
  Macroeconomic Outlook and Uncertainties
  Vice Chairman Roger W. Ferguson, Jr.
  At the Twelfth District Community Leaders Luncheon, Federal Reserve Bank of San Francisco, San Francisco, California
  
• April 1, 2004
  Monetary Policy and Imbalances
  Governor Donald L. Kohn
  At the Banking and Finance Lecture Series, Widener University, Chester, Pennsylvania
  
• April 1, 2004
  Financial education and Jump$tart survey
  Governor Ben S. Bernanke
  At the Jump$tart Coalition for Personal Financial Literacy and Federal Reserve Board joint news conference, Washington, D.C.
  
• March 31, 2004
  Budget and Trade Deficits: Linked, Both Worrisome in the Long Run, but not Twins
  Governor Edward M. Gramlich
  At the Los Angeles Chapter of the National Association for Business Economics Luncheon, Los Angeles, California
  Governor Edward M. Gramlich presented identical remarks at the Euromoney Bond Investors Congress, London, England, on February 25, 2004
  Governor Edward M. Gramlich presented identical remarks at the Isenberg School of Management Seminar Series, Amherst, Massachusetts, on May 14, 2004
• March 30, 2004
  Trade and Jobs
  Governor Ben S. Bernanke
  At the Distinguished Speaker Series, Fuqua School of Business, Duke University, Durham, North Carolina
  
• March 27, 2004
  Monetary Policy Modeling: Where Are We and Where Should We Be Going?
  Governor Ben S. Bernanke
  At the Federal Reserve Board Models and Monetary Policy Conference, Washington, D.C.
  
• March 26, 2004
  Research at the Federal Reserve Board: The Contributions of Henderson, Porter, and Tinsley
  Governor Donald L. Kohn
  At the Federal Reserve Board Models and Monetary Policy Conference, Washington, D.C.
  
• March 26, 2004
  The Board's Modeling Work in the 1960s
  Governor Edward M. Gramlich
  At the Federal Reserve Board Models and Monetary Policy Conference, Washington, D.C.
  
• March 25, 2004
  Monetary Policy in a Time of Macroeconomic Transition
  Governor Donald L. Kohn
  At the 2004 Washington Economic Policy Conference, presented by the National Association for Business Economics (NABE) and the Association for University Business and Economic Research (AUBER), Washington, D.C.
  
• March 25, 2004
  Rural economic issues
  Chairman Alan Greenspan
  At New Approaches to Rural Policy: Lessons from Around the World, an international conference convened by the Federal Reserve Bank of Kansas City, Organization for Economic Cooperation and Development (OECD), Rural Policy Research Institute, and The Countryside Agency, Warrenton, Virginia
  
• March 17, 2004
  Banking
  Chairman Alan Greenspan
  Before the Independent Community Bankers of America Convention, San Diego, California
  (via satellite)
  
• March 12, 2004
  Education
  Chairman Alan Greenspan
  At the Boston College Finance Conference 2004, Boston, Massachusetts
  
• March 2, 2004
  Money, Gold, and the Great Depression
  Governor Ben S. Bernanke
  At the H. Parker Willis Lecture in Economic Policy, Washington and Lee University, Lexington, Virginia
  
• March 2, 2004
  Current account
  Chairman Alan Greenspan
  Before the Economic Club of New York, New York
  
• March 1, 2004
  U.S. Banking Industry Performance Highlights--2003
  Governor Mark W. Olson
  At the Annual Conference of the Institute of International Bankers, Washington, D.C.
  
• February 27, 2004
  Intellectual property rights
  Chairman Alan Greenspan
  At the Stanford Institute for Economic Policy Research Economic Summit, Stanford, California
  
• February 27, 2004
  A Regulator's View of Emerging Issues in Community Banking
  Governor Mark W. Olson
  At the 118th Assembly for Bank Directors, Las Croabas, Puerto Rico
  
• February 26, 2004
  Euro at Five: Ready for a Global Role?
  Governor Ben S. Bernanke
  At the Institute for International Economics Conference, Washington, D.C.
  Governor Ben S. Bernanke presented identical remarks at the European Economics and Financial Center Conference, Paris, France, June 21, 2004
• February 26, 2004
  The Economic Outlook and the State of Household and Business Finances
  Governor Susan Schmidt Bies
  Before the New York Forecasters Club, New York, New York
  
• February 25, 2004
  Qualitative Aspects of Effective Risk Management
  Governor Susan Schmidt Bies
  At the Global Association of Risk Professionals Fifth Annual Convention, New York, New York
  
• February 25, 2004
  Budget and Trade Deficits: Linked, Both Worrisome in the Long Run, but not Twins
  Governor Edward M. Gramlich
  At the Euromoney Bond Investors Congress, London, England
  Governor Edward M. Gramlich presented identical remarks at the Los Angeles Chapter of the National Association for Business Economics Luncheon, Los Angeles, California, on March 31, 2004
  Governor Edward M. Gramlich presented identical remarks at the Isenberg School of Management Seminar Series, Amherst, Massachusetts, on May 14, 2004
• February 23, 2004
  Understanding household debt obligations
  Chairman Alan Greenspan
  At the Credit Union National Association 2004 Governmental Affairs Conference, Washington, D.C.
  
• February 20, 2004
  The critical role of education in the nation's economy
  Chairman Alan Greenspan
  At the Greater Omaha Chamber of Commerce 2004 Annual Meeting, Omaha, Nebraska
  
• February 20, 2004
  The Great Moderation
  Governor Ben S. Bernanke
  At the meetings of the Eastern Economic Association, Washington, DC
  
• February 19, 2004
  Financial Markets and Corporate Governance
  Governor Susan Schmidt Bies
  At the Economic Club of Memphis Dinner, Memphis, Tennessee
  
• February 4, 2004
  Enterprise-wide Compliance Programs
  Governor Susan Schmidt Bies
  At the Bond Market Association's Legal and Compliance Conference, New York, New York
  
• January 26, 2004
  Economic flexibility
  Chairman Alan Greenspan
  Before the HM Treasury Enterprise Conference, London, England
  (via satellite)
  
• January 14, 2004
  Conducting Monetary Policy at Very Low Short-Term Interest Rates
  Governor Ben S. Bernanke
  At the International Center for Monetary and Banking Studies Lecture, Geneva, Switzerland
  Vincent R. Reinhart, Director, Division of Monetary Affairs, presented identical remarks at the Meetings of the American Economic Association, San Diego, California on January 3, 2004
• January 13, 2004
  Globalization
  Chairman Alan Greenspan
  Before the Bundesbank Lecture 2004, Berlin, Germany
  
• January 7, 2004
  The United States in the World Economy
  Governor Donald L. Kohn
  At the Federal Reserve Bank of Atlanta's Public Policy Dinner, Atlanta, Georgia
  
• January 4, 2004
  Lessons from Past Productivity Booms
  Vice Chairman Roger W. Ferguson, Jr.
  At the Meetings of the American Economic Association, San Diego, California
  
• January 4, 2004
  Monetary Policy and the Economic Outlook: 2004
  Governor Ben S. Bernanke
  At the Meetings of the American Economic Association, San Diego, California
  
• January 3, 2004
  Conducting Monetary Policy at Very Low Short-Term Interest Rates
  Governor Ben S. Bernanke and Vincent R. Reinhart, Director, Division of Monetary Affairs
  At the Meetings of the American Economic Association, San Diego, California
  Governor Ben S. Bernanke presented identical remarks at the International Center for Monetary and Banking Studies Lecture,Geneva, Switzerland on January 14, 2004
• January 3, 2004
  Fedspeak
  Governor Ben S. Bernanke
  At the Meetings of the American Economic Association, San Diego, California
  
• January 3, 2004
  Risk and Uncertainty in Monetary Policy
  Chairman Alan Greenspan
  At the Meetings of the American Economic Association, San Diego, California