Government-Administered, General-Use Prepaid Cards
October 2021
Cybersecurity and Financial System Resilience Report
July 2022
Annual Report on Preserving Minority Depository Institutions
July 2021
Report to the Congress on the Office of Minority and Women Inclusion
March 2022
Report to the Congress on Implementation of Enhanced Prudential Standards
January 2018
Availability of Credit to Small Businesses
September 2017
Presidential $1 Coin Program
December 2020
Profitability of Credit Card Operations of Depository Institutions
July 2022
Analyzes the profitability over time of depository institutions' credit card activities by examining the performance of larger institutions that specialize in such activities and of a sample of smaller commercial banks that offer a range of credit services. Also reviews trends in credit card pricing, including changes in interest rates.
Report to the Congress on the Use of the ACH System and Other Payment Mechanisms for Remittance Transfers to Foreign Countries
May 2019
Report to the Congress on the Effect of Capital Rules on Mortgage Servicing Assets
July 2016
Independent Foreclosure Review
August 2019
Buy American Act
March 2012
All federal agencies must submit an annual report to Congress detailing acquisitions of materials or goods that are manufactured outside of the U.S., that fall under the reporting requirements of the Buy American Act.
Online: N/A Print: Order Form | 2012 PDF Previous reports: 2009 (130 KB PDF)
The U.S. Housing Market: Current Conditions and Policy Considerations
January 2012
Print: PDF | Accessible version of figures
Incentive Compensation Practices: A Report on the Horizontal Review of Practices at Large Banking Organizations
October 2011
Report to the Congress on Credit Ratings
July 2011
Risk Management Supervision of Designated Clearing Entities
July 2011
Study on International Coordination Relating to Bankruptcy Process for Nonbank Financial Institutions
July 2011
Study on the Resolution of Financial Companies under the Bankruptcy Code
July 2011
Report to the Congress on College Credit Card Agreements
July 2011
Report in accordance with Section 305 of the Credit Card Accountability Responsibility and Disclosure Act of 2009 (Credit CARD Act), which requires the Federal Reserve Board to submit an annual report that lists certain information submitted to the Board by credit card issuers concerning agreements between issuers and institutions of higher education or certain affiliated organizations that provide for the issuance of credit cards to college students.
Online Print: 2.5 MB PDF | Order Form | Search Agreements Full Data: CSV | Excel
Previous Reports:
Online:
2010 | Search Agreements 2009 Full Data: CSV | Excel
Print:
2010 (325 KB PDF)
Interagency Review of Foreclosure Policies and Practices
April 2011
Online Print: 451 KB PDF
Report to the Congress on the Office of Thrift Supervision Transition Plan
January 2011
On January 25, 2011, the Federal Reserve, OTS, Office of the Comptroller of the Currency, and FDIC issued a joint report to Congress and the Inspectors General of the participating agencies on the agencies' plans to implement the transfer of OTS authorities. (DFA Section 327)
Print: Order Form | 173 KB PDF
Report to the Congress on Risk Retention
October 2010
Report submitted pursuant to section 941 of the Dodd-Frank Wall Street Reform and Consumer Protection Act on the potential impact of credit risk retention requirements on securitization markets.
Online Print: Order Form | 573 KB PDF
Report to the Congress on the Use of Credit Cards by Small Businesses and the Credit Card Market for Small Businesses
May 2010
Report in accordance with section 506 of the Credit Card Accountability Responsibility and Disclosure Act of 2009 (Credit CARD Act), which requires the Federal Reserve Board to conduct a review of the use of credit cards by businesses with no more than 50 employees and of the credit card market for small businesses.
Online Print: Order Form | 485 KB PDF
Report to the Congress on Reductions of Consumer Credit Limits Based on Certain Information as to Experience or Transactions of the Consumer
May 2010
Report in accordance with section 505 of the Credit Card Accountability Responsibility and Disclosure Act of 2009 (Credit CARD Act).
Online Print: Order Form | 316 KB PDF
The Public Policy Case for a Role for the Federal Reserve in Bank Supervision and Regulation
January 2010
Credit Scoring and Its Effects on the Availability and Affordability of Credit
August 2007
The Fair and Accurate Credit Transactions Act of 2003 directed the Federal Reserve Board and the Federal Trade Commission (FTC) to study the effects of credit scoring on credit and insurance markets and to report their findings to the Congress. The Board's report covers credit markets; the FTC has issued a separate report covering insurance. This online version contains text corrections posted in late August 2007 and corrections to selected figures posted in late February 2008.
Online Print: Order Form | 2.22 MB PDF
Check Clearing for the 21st Century Act of 2003
April 2007
Reports on the effect of the Check Clearing for the 21st Century Act on the nation's check-collection system. Assesses the need for modifications to the funds-availability requirements established in and pursuant to the Expedited Funds Availability Act (EFAA). Based on the Board's extensive survey of the banking industry and supplemented with other information from official and industry sources.
Online Print: Order Form | 491 KB PDF
Use and Counterfeiting of United States Currency Abroad, Part 3
Reports the results of a congressionally mandated investigation by the Treasury and the Federal Reserve, which extended the work of a program developed in part to aid the March 1996 international introduction of the new-design $100 note. The investigation established new sources of information on currency use and counterfeiting abroad.
Online Print: Order Form | 4.74 MB PDF Previous reports: 2003 (733 KB PDF) | 2000 (661 KB PDF)
Fair Credit Reporting Act Dispute Process
August 2006
Report on the extent to which consumer reporting agencies and furnishers of information to consumer reporting agencies complied with certain requirements of the Fair Credit Reporting Act.
Online Print: Order Form | 1.30 MB PDF
Practices of the Consumer Credit Industry in Soliciting and Extending Credit and their Effects on Consumer Debt and Insolvency
June 2006
Reports on the methods by which issuers of consumer credit target solicitations for credit and those to whom they will provide credit. Also discusses the effects of these practices on consumer debt and insolvency.
Online Print: Order Form | 94 KB PDF
Efforts of the Private Sector to Implement the (Interagency Paper on Sound Practices to Strengthen the Resilience of the U.S. Financial System)
April 2006
Joint report on the efforts of private sector financial services firms covered by the Sound Practices Paper to implement enhanced business continuity plans, and the extent to which implementation has been done in a geographically dispersed manner.
Online: N/A Print: Order Form | 72 KB PDF
Further Restrictions on Unsolicited Written Offers
December 2004
Reports on the ability of consumers to avoid (or "opt out" of) receiving written offers of credit or insurance in connection with transactions not initiated by the consumer and the potential effect on consumers of any further restrictions on providing them with such written offers of credit or insurance.
Online: N/A Print: Order Form | 463 KB PDF
Disclosure of Point-of-Sale Debit Fees
December 2004
Reports on the disclosure of fees that a depository institution may impose when a customer chooses to secure a point-of-sale debit transaction by providing a personal identification number (PIN). Discusses the prevalence of PIN fees; the degree of compliance by depository institutions with current disclosure requirements; the adequacy of existing disclosures and the likely benefits and costs of new requirements for disclosure statements; and the feasibility of real-time disclosure.
Online: N/A Print: Order Form | 263 KB PDF
Financial Holding Companies under the Gramm-Leach-Bliley Act
November 2003
A joint report with the Department of Treasury. Discusses the new or expanded activities conducted by financial holding companies under the Gramm-Leach-Bliley Act (GLB Act), the actions that the Board and the Secretary of the Treasury have taken to expand the activities permissible for financial holding companies, and the effect that any nonbanking mergers and acquisitions by financial holding companies under the GLB Act have had on market concentration.
Online: N/A Print: Order Form | 525 KB PDF
Differences in Capital and Accounting Standards among the Federal Banking and Thrift Agencies
March 2018
Fees and Services of Depository Institutions
February 2003
Reports on whether changes in the cost and availability of certain retail banking services are related to increases in deposit insurance premiums. Based on survey of representative sample of insured depository institutions; covers about fifty measures of fees and service availability for banks and savings associations.
Online: N/A Print: Order Form | 300 KB PDF
Previous reports:
2002 (250 KB PDF)
2001 (200 KB PDF)
2000 (516 KB PDF)
1999 (399 KB PDF)
1998 (403 KB PDF)
1997 (993 KB PDF)
Review of Regulations Affecting Online Delivery of Financial Products and Services
November 2001
Joint report with the Federal Deposit Insurance Corporation, Office of the Comptroller of the Currency, and Office of Thrift Supervision, issued pursuant to section 729 of the Gramm-Leach-Bliley Act. Addresses banking regulations that affect the online delivery of financial products and services; includes relevant Federal Register publications by each agency.
Online: N/A Print: Order Form | 6.3 MB PDF
Feasibility and Desirability of Mandatory Subordinated Debt
December 2000
Considers the feasibility and desirability of a mandatory subordinated debt policy for systemically important depository institutions or depository institution holding companies in accordance with provisions of the Gramm-Leach-Bliley Act. Based on the analysis and evidence presented, makes recommendations regarding using subordinated debt to increase market discipline at depository institutions and to protect the deposit insurance funds.
Online: N/A Print: Order Form | 566 KB PDF
Markets for Small-Business- and Commercial-Mortgage-Related Securities
September 2000
Examines the structure and operation of the markets for securitized loans and commercial mortgages and the availability of credit for business enterprises. Also considers whether further legislative and administrative actions are needed in these areas.
Online: N/A Print: Order Form | 108 KB PDF Previous report: 1998 (248 KB PDF)
Compliance with the National Flood Insurance Program
September 1999
Reports on state member banks' compliance with the National Flood Insurance Program for the period of July 1, 1997, to June 30, 1999. This is the final such report that is required by the Riegle Community Development and Regulatory Improvement Act of 1994.
Online Print: Order Form
Truth in Lending Act and the Real Estate Settlement Procedures Act
July 1998
Joint report with the Department of Housing and Urban Development (HUD) on the recommendations of the Federal Reserve and HUD to give mortgage borrowers greater information and protection under the Truth in Lending Act and the Real Estate Settlement Procedures Act (see also related testimony).
Online: N/A Print: Order Form | 9.5 MB PDF
Freedom of Information Act
Reports on the administration of the Freedom of Information Act by the Board, including the number of requests processed, the volume of material furnished to the public, the exemptions claimed for the withholding of information, the appeals received, and the cost to the Board of implementing the Act.
Online: FOIA annual reports Print: N/A
Electronic Stored-Value Products
March 1997
Analyzes costs and benefits of applying the Board's Regulation E (which implements the Electronic Fund Transfer Act) to electronic stored-value products. Considers several alternative regulatory options.
Online: N/A Print: Order Form | 277 KB PDF
Consumer Identifying Information and Financial Fraud
March 1997
Evaluates the availability to the public of sensitive identifying information about consumers, whether such information could be used to commit financial fraud, and if so whether such fraud poses an undue potential for risk of loss to insured depository institutions.
Online: N/A Print: Order Form | 136 KB PDF
Home-Equity Credit
November 1996
Discusses whether the Truth in Lending Act (implemented by the Board's Regulation Z) adequately protects consumers obtaining home-equity lines of credit. Also addresses the interest rate index used to determine the applicability of the Home Ownership Equity Protection Act to certain home-secured loans.
Online: N/A Print: Order Form | 187 KB PDF
Funds Availability and Check Fraud
October 1996
Analyzes bank losses from check fraud and whether the Congress should extend the maximum hold period on local checks under the Expedited Funds Availability Act (which is implemented by the Board's Regulation CC).
Online: N/A Print: Order Form | 531 KB PDF
Finance Charges for Consumer Credit
April 1996
Analyzes whether the "finance charge" as defined in the Truth in Lending Act could be modified to better reflect the cost of consumer credit. Also addresses abusive refinancing practices that creditors may use to prevent consumers from exercising the right of rescission.
Online: N/A Print: Order Form | 78 KB PDF