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GOOGLE PROPOSAL

GOOGLE PROPOSAL

Jesse West James

MY HOPE IS TO USE VOICE COMMANDS IN THE SAME CONVERSATIONAL FASHION AS YOU CAN SEE ME INTERACT WITH MY  HMMM

TRAINING MAKING LEARNING MODELS TO BUILD CLOUD COMPUTE ARCHITECTURE WIDENS INPUT BANDWIDTH SIGNIFICANTLY enabling value creation multiples rapidly ....ill explain buyt first some some local Canadian politics so silly but I gotta keep my eyes on the situations here too

Conservative Party of Canada
Canada’s NDP
We are Canada’s New Democrats. Investing in a Canada where people can realize their full potential and pursue their dreams.
Nest Mini
Smart Speaker for Any Room

I DON'T KNOW WHAT IT IS IT IS A GOOGLE AI POWERED SPEAKER THAT I ASK QUESTIONS AND IT SEARCHES HIGH QUALITY SOURCES FOR RELEVANT FRESH INSIGHTS AND DOES A DAMN FINE JOB AT IT AND I AM ALWAYS ALWAYS ALWAYS IMPRESSED AND ACTUALLY ENJOY MY EXPERIENCE WITH ALL GOOGLE PRODUCTS AND NEVER OR AT LEAST VERY RARELY AM FRUSTRATED OR CONFUSED BECAUSE GOOGLE IS SPECTACULAR AT CLEAN INTUITIVE USER INTERFACE GUI WHATEVER YOU GUYS AND GIRLS CALL IT #FEMINISM THE WELL THOUGHT OUT CONSIDERATE TO HUMAN USER COMMON EXPERIENCE AND PLAN AND DESIGN FOR FAST PRODUCTIVE WORK WITH THE LEAST WELL FOR LACK OF A BETTER WHATEVER BULLSHIT  (E.G. AWS EC2 IMAGE LAUNCH IS A DAUNTING ALARMING AND IF YOU DONT KNOW EXACTLY YOU'RE DOING IS OVERWHELMING AND DISCOURAGING

https://tradingeconomics.com/rss/news.aspx?i=zew+economic+sentiment+index

I love Google and hope American politics aren't the end of the Google we all know and love. The USA federal reserve bank (the central bank for America responsible for setting interest rates to stoke the economic embers or raise rates when inflation and jumping flames become uncontrollable  ((i.e. the cost spread from origination fund and investment/ disbursement to various levels of risk exposure from AAA - Junk and junk pays better short term payouts like when hedge funds leverage powerful wealth to manipulate the market to rob the little guy pay no tax and cry foul when tables turn.

Government Budget Value - Countries - List
The government budget balance is the difference between government revenues and expenses. The budget is balanced when outlays equal to receipts, the country reports budget surplus when revenues are higher than expenses and deficit when expenses exceed the revenues. This page provides values for Gove…

Currency in Circulation: Value
Currency in Circulation: Volume
Calendar-Year Print Order: Volume and Value
Federal Reserve Expenses for Cash Operations
Cost of New Currency
$1 Coin Quarterly Inventories, Payments, and Receipts
Payments of Currency to Circulation: Value
Payments of Currency to Circulation: Volume
Receipts of Currency from Circulation: Value
Receipts of Currency from Circulation: Volume

Currency in Circulation: Value

Data Table | ASCII | PDF

Return to contents

Currency in Circulation: Volume

Data Table | ASCII | PDF

Return to contents

Calendar-Year Print Order: Volume and Value

Data Table | ASCII | PDF

Return to contents

Federal Reserve Expenses for Cash Operations

Data Table | ASCII | PDF

Return to contents

Cost of New Currency

Data Table | ASCII | PDF

Return to contents

$1 Coin Quarterly Inventories, Payments, and Receipts

Data Table | ASCII | PDF

Return to contents

Payments of Currency to Circulation: Value

Data Table | ASCII | PDF

Return to contents

Payments of Currency to Circulation: Volume

Data Table | ASCII | PDF

Return to contents

Receipts of Currency from Circulation: Value

Data Table | ASCII | PDF

Return to contents

Receipts of Currency from Circulation: Volume

Data Table | ASCII | PDF

The Federal Reserve Banks have established Foreclosure Resource Centers to help address local and regional challenges in their mortgage markets and local communities. The map links to these regional forclosure centers, where you'll find resources for small municipalities, housing counselors, and consumer and community groups.

Data

Bank Assets and Liabilities

Bank Structure Data

Business Finance

Dealer Financing Terms

Exchange Rates and International Data

Financial Accounts

Household FinancePrincipal Economic Indicator

Industrial ActivityPrincipal Economic Indicator

Interest Rates

Micro Data Reference Manual (MDRM)

Money Stock Measures

Other

Chief Data Officer (CDO): Katherine Tom

Last Update: October 22, 2020

Resources Around The Federal Reserve System

  1. 01-Boston
  2. 02-New York
  3. 03-Philadelphia
  4. 04-Cleveland
  5. 05-Richmond
  6. 06-Atlanta
  7. 07-Chicago
  8. 08-St. Louis
  9. 09-Minneapolis
  10. 10-Kansas City
  11. 11-Dallas
  12. 12-San Francisco
  13. Board

Other System Resources

Other Helpful Resources

Communities across the country are facing the challenge of dealing with the destabilizing impacts of foreclosed properties. The following resources provide information and strategies for communities working to preserve and revitalize their neighborhoods. For more information >

Monetary Policy

Monetary policy in the United States comprises the Federal Reserve's actions and communications to promote maximum employment, stable prices, and moderate long-term interest rates--the economic goals the Congress has instructed the Federal Reserve to pursue.

Review of Monetary Policy Strategy, Tools, and Communications

In a review conducted over 2019 and 2020, the Fed took a step back to consider whether the U.S. monetary policy framework could be improved to better meet future challenges. Here are the results.


Federal Open Market Committee

FOMC Calendar

About the FOMC

Transcripts and other historical materials

Rules and Authorizations

FAQs

FOMC Longer-Run Goals and Monetary Policy Strategy (PDF)

Communications Policies:
Committee (PDF) | Staff (PDF)

Recent Documents

FOMC Statement: PDF | HTML
Released January 27, 2021

Press Conference
January 27, 2021

Projection Materials: PDF | HTML
Released December 16, 2020

FOMC Minutes: PDF | HTML
Released January 6, 2020

Upcoming Dates

Feb. 17            FOMC Minutes
                        Meeting of Jan. 26-27

Mar. 16-17       FOMC Meeting
                        Two-day meeting
                        Press Conference

April 7            FOMC Minutes
                        Meeting of Mar. 16-17


Monetary Policy Principles and Practice

Six short notes on the principles of sound monetary policy and central banks' practices in setting and implementing monetary policy

View Notes

Reports

Policy Normalization

Monetary Policy Operations and the Balance Sheet

Policy Tools

Last Update: February 9, 2021

Supervision & Regulation

Stars
Supervisory and Regulatory Actions in Response to COVID-19

The Federal Reserve has taken supervisory and regulatory actions to help ensure banks can continue providing credit and services to their customers and communities in a prudent and fair manner while meeting the challenges they face.

Eagle
Recent Supervision and Regulation Letter

SR 21-2: Answers to Frequently Asked Questions Regarding Suspicious Activity Reporting and Other Anti-Money Laundering Considerations

Column
COVID-19 Supervisory and Regulatory FAQs

Frequently asked questions regarding the Federal Reserve's supervisory and regulatory response to the COVID-19 pandemic are available on our website.

December 2020 Stress Test Results (PDF)
Results of stress tests for December 2020
December 2020

Dodd-Frank Act Stress Test 2020: Supervisory Stress Test Results and Assessment of Bank Capital during the Recent Coronavirus Event
Results of stress tests for 2020 and additional sensitivity analyses conducted in light of the coronavirus event
June 2020

Federal Reserve Supervision and Regulation Report
The report summarizes banking conditions and the Federal Reserve’s supervisory and regulatory activities
November 2020

Institution Supervision


The Federal Reserve is responsible for supervising--monitoring, inspecting, and examining--certain financial institutions to ensure that they comply with rules and regulations, and that they operate in a safe and sound manner. Supervision of financial institutions is tailored based on the size and complexity of the institution.

Living Wills
Stress Tests
Supervision and Regulation Letters

Regulatory Resources

Regulation entails establishing the rules within which financial institutions must operate. This includes issuing specific reg­ulations and guidelines governing the formation, operations, activities, and acquisitions of financial institutions. The Federal Reserve offers numerous resources to assist banking organizations and the public understand these rules and related expectations.

Disaster Preparedness and Recovery Resources

The Federal Reserve reviews applications submitted by bank holding companies, state member banks, savings and loan holding companies, foreign banking organizations, and other entities and individuals for approval to undertake various transactions, including mergers and acquisitions, and to engage in new activities.

The Federal Reserve also takes formal enforcement actions against regulated institutions for violations of laws, rules, or regulations, unsafe or unsound practices, breaches of fiduciary duty, and violations of final orders.

Electronic Filing of Applications

Banking Data & Structure


The Federal Reserve and the other federal banking agencies collect, maintain, analyze, and make available to the public a wide range of financial and banking structure data. These data are essential to formulating and conducting bank regulation and supervision and for the ongoing assessment of the overall soundness of the nation's banking system.

Other

Reporting Forms

Last Update: February 5, 2021

Payment Systems

Payment Systems Improvement
FedNowSM Service

The Federal Reserve is developing a new round-the-clock payment and settlement service, called the FedNow Service, to support instant payments in the United States.

Trends in card use
The 2019 Federal Reserve Payments Study

Federal Reserve Payments Study finds that ACH and card payments grew rapidly from 2015 to 2018, outpacing the prior three-year period.

Image of a bank vault
Key Policies for the Provision of Financial Services

The twelve Federal Reserve Banks provide banking services to depository institutions and the federal government.

Regulations & Statutes

Payment Policies

Financial Market Utilities & Infrastructures

Reserve Bank Payment Services & Data

Research, Committees, & Forums

Last Update: January 14, 2021

Economic Research Twitter Share

@FedResearch is a new Twitter account aimed at increasing access to Board research. The account will highlight research published in the Board's working papers and notes series, other staff articles, and conferences.

FEDSWorking
Papers

Finance and Economics Discussion Series

February 2021
The COVID-19 Shock and Consumer Credit: Evidence from Credit Card Data

Akos Horvath, Benjamin Kay, and Carlo Wix

January 2021
Misallocation in Open Economy

Maria D. Tito and Ruoying Wang

January 2021
Bunching estimation of elasticities using Stata

Marinho Bertanha, Andrew H. McCallum, Alexis Payne, and Nathan Seegert

View AllIFDPWorking
Papers

International Finance Discussion Papers

February 2021
Globalization, Trade Imbalances and Labor Market Adjustment

Rafael Dix-Carneiro, Joao Paulo Pessoa, Ricardo Reyes-Heroles, Sharon Traiberman

February 2021
Bought, Sold and Bought Again: The Impact of Complex Value Chains on Export Elasticities

François de Soyres, Erik Frohm, Vanessa Gunnella and Elena Pavlova

January 2021
The Financial (In)Stability Real Interest Rate, R**

Ozge Akinci, Gianluca Benigno, Marco Del Negro, and Albert Queralto

View All

FEDS NotesFebruary 2021
Regional Trade Agreements with Global Value Chains

François de Soyres, Julien Maire and Guillaume SubletFebruary 2021
Forecasting During the COVID-19 Pandemic: A Structural Analysis of Downside Risk

Martin Bodenstein, Pablo Cuba-Borda, Jay Faris, and Nils GoernemannView All

Models and Tools

FRB/US Model:

A large-scale estimated general equilibrium model of the U.S. economy for FRB/US Model

Yield Curve Models and Data:

Models of daily yield curves, and a dynamic term structure model of Treasury yields

Estimated Dynamic Optimization (EDO) Model:

A medium-scale New Keynesian dynamic stochastic general equilibrium (DSGE) model of the U.S. economy.

Survey of Consumer Finances (SCF):

Information on families' balance sheets, pensions, income, and demographic characteristics

Research Resources

Meet the Economists

By Division

Consumer and Community Affairs
Financial Stability
International Finance
Monetary Affairs
Office of Board Members
Research and Statistics
Reserve Bank Operations and Payment Systems
Supervision and Regulation

By Field of Interest

Finance
International Economics
Macroeconomics
Mathematical and Quantitative Methods
Microeconomics

All Economists

Careers

Disclaimer: The economic research that is linked from this page represents the views of the authors and does not indicate concurrence either by other members of the Board's staff or by the Board of Governors. The economic research and their conclusions are often preliminary and are circulated to stimulate discussion and critical comment.

The Board values having a staff that conducts research on a wide range of economic topics and that explores a diverse array of perspectives on those topics. The resulting conversations in academia, the economic policy community, and the broader public are important to sharpening our collective thinking.

Last Update: February 10, 2021

Financial Stability

Fed Functions: Promoting Financial System StabilityPlay Video

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The [Tab] key may be used in combination with the [Enter/Return] key to navigate and activate control buttons, such as caption on/off.August 29, 2017Transcript (PDF)

Financial Stability Report

The Federal Reserve monitors risks to the financial system and works, usually with agencies at home and abroad, to help ensure the system supports a healthy economy for U.S. households, communities, and businesses.

A financial system is considered stable when its markets and institutions—including banks, savings and loans, and other financial product and service providers—are resilient and able to function even following a bad shock. This means that households, communities, and businesses can count on having the resources, services, and products they need to invest, grow, and participate in a well-functioning economy. These resources and services include:

• a range of options to finance investment and large purchases, including business lines of credit, mortgages, and student loans, among others;

• an array of choices in how to manage assets, including savings accounts, brokerage services, and retirement accounts, among many others; and,

• an efficient, effective, and safe U.S. payment and settlement system.

Publications

Financial Stability Report

Federal Reserve Purposes and Functions

Dodd-Frank Act Stress Test Publications

Annual Report

Research and Data

Economists

Economic Research

Financial Accounts of the United States - Z.1

Senior Credit Officer Opinion Survey on Dealer Financing Terms

Senior Loan Officer Opinion Survey on Bank Lending Practices

Last Update: August 4, 2020

About the Fed

What is the Fed?Play Video

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Purposes and Functions

The Federal Reserve System is the central bank of the United States. It performs five general functions to promote the effective operation of the U.S. economy and, more generally, the public interest. The Federal Reserve

  • conducts the nation’s monetary policy to promote maximum employment, stable prices, and moderate long-term interest rates in the U.S. economy;
  • promotes the stability of the financial system and seeks to minimize and contain systemic risks through active monitoring and engagement in the U.S. and abroad;
  • promotes the safety and soundness of individual financial institutions and monitors their impact on the financial system as a whole;
  • fosters payment and settlement system safety and efficiency through services to the banking industry and the U.S. government that facilitate U.S.-dollar transactions and payments; and
  • promotes consumer protection and community development through consumer-focused supervision and examination, research and analysis of emerging consumer issues and trends, community economic development activities, and the administration of consumer laws and regulations.

Board Members

Jerome H. Powell

Chair

Richard H. Clarida

Vice Chair

Randal K. Quarles

Vice Chair for Supervision

Michelle W. Bowman

Lael Brainard

Christopher J. Waller

Fed 101

Contact Us

Federal Reserve Banks

  1. 01-Boston
  2. 02-New York
  3. 03-Philadelphia
  4. 04-Cleveland
  5. 05-Richmond
  6. 06-Atlanta
  7. 07-Chicago
  8. 08-St. Louis
  9. 09-Minneapolis
  10. 10-Kansas City
  11. 11-Dallas
  12. 12-San Francisco
  13. Board

The Federal Reserve officially identifies Districts by number and Reserve Bank city.

In the 12th District, the Seattle Branch serves Alaska, and the San Francisco Bank serves Hawaii. The System serves commonwealths and territories as follows: the New York Bank serves the Commonwealth of Puerto Rico and the U.S. Virgin Islands; the San Francisco Bank serves American Samoa, Guam, and the Commonwealth of the Northern Mariana Islands. The Board of Governors revised the branch boundaries of the System in February 1996.

Last Update: February 1, 2021

Independent Foreclosure Review

Payment AgreementFrequently Asked Questions

Independent Foreclosure Review Final Report, August 2019 (PDF)

Independent Foreclosure Review Report, July 2014 (PDF)

Payment Agreement Details (PDF) (April 9, 2013)

Payment Agreement Details for Goldman Sachs and Morgan Stanley Borrowers (PDF)

Payment Agreement Details for GMAC Mortgage Borrowers (PDF)

IndependentForeclosureReview.com

Action Plans

Bank of America, Citigroup, EverBank, JPMorgan Chase, MetLife, PNC, SunTrust, US Bancorp, Wells Fargo
(February 27, 2012)

Ally Financial, HSBC North American Holdings, IMB HoldCo
(March 8, 2012)

Citigroup and HSBC Finance Corporation action plan, Ally supplemental agreement
(May 24, 2012)

Goldman Sachs and Morgan Stanley
(July 7, 2014)

Useful Terms

mortgage loan
A loan that uses your property as collateral to guarantee repayment.

Other Resources

PLEASE NOTE: As of July 2013, the Independent Foreclosure Review (IFR) ended at all mortgage servicers supervised by the Federal Reserve that were subject to foreclosure-related enforcement actions. The mortgage servicers reached an agreement in principle with the Office of the Comptroller of the Currency and the Board of Governors of the Federal Reserve System to provide approximately $10 billion in cash payments and other assistance to help borrowers. As of January 2017, the IFR Payment Agreement has concluded. The Federal Reserve has published a report providing final data on the cash payments made and the foreclosure prevention assistance provided under the Payment Agreement. More information regarding the Payment Agreement can be found here.

January 12, 2018 Update: The Federal Reserve Board announced the termination of enforcement actions related to residential mortgage loan servicing and foreclosure processing issued in 2011 and 2012 against 10 banking organizations. The 10 banking organizations are: Ally Financial Inc. (GMAC Mortgage); Bank of America; CIT Group, Inc. (as successor to IMB HoldCo LLC / OneWest); Goldman Sachs (Litton Loan Servicing LP); HSBC; JPMorgan Chase (EMC Mortgage); Morgan Stanley (Saxon Mortgage), PNC; SunTrust; and U.S. Bancorp. The actions required the firms to improve oversight of residential mortgage loan servicing and to correct deficiencies in residential mortgage loan servicing and foreclosure processing. More information regarding the termination of the enforcement actions can be found here.

Background and History

The Federal Reserve Board issued enforcement actions against four large mortgage servicers--GMAC Mortgage, HSBC Finance Corporation, SunTrust Mortgage, and EMC Mortgage Corporation--in April 2011. Under those actions, the four servicers were required to retain independent consultants to review foreclosures that were initiated, pending, or completed during 2009 or 2010. The review was intended to determine if borrowers suffered financial harm directly resulting from errors, misrepresentations, or other deficiencies that may have occurred during the foreclosure process. In September 2011 and April 2012, the Federal Reserve Board issued similar enforcement actions against Goldman Sachs (Litton Loan Servicing LP) and Morgan Stanley (Saxon Mortgage Services, Inc.).1

A number of servicers supervised by the Office of the Comptroller of the Currency (OCC) were also required to conduct independent reviews. (See below for the full list of servicers.)

The deadline to request an independent review was December 31, 2012.

Eligibility for Independent Foreclosure Review

Borrowers were eligible for an independent foreclosure review if they met the following criteria:

  • the property securing the loan was the borrower's primary residence;
  • the mortgage was in the foreclosure process (initiated, pending, or completed) at any time between January 1, 2009, and December 31, 2010; and
  • the mortgage was serviced by one of the following mortgage servicers:America's Servicing Company*Countrywide*National City Mortgage*Aurora Loan Services*EMC Mortgage Corporation*PNC Mortgage*BAC Home Loans Servicing*EverBank/EverHome Mortgage Company*Sovereign Bank*Bank of America*Financial Freedom (OneWest)SunTrust Mortgage*Beneficial*GMAC Mortgage*U.S. Bank*Chase*HFC*Wachovia Mortgage*Citibank*HSBC*Washington Mutual (WaMu)*CitiFinancial*IndyMac Mortgage Services (OneWest)Wells Fargo Bank, N.A.*CitiMortgage*MetLife Bank*Wilshire Credit Corporation*

*These companies are participating in the Payment Agreement.

Eligible borrowers were sent a Request for Review form by mail starting in November of 2011 when the program launched.

If a borrower previously filed a complaint with these servicers about foreclosures pending during the review period, they were still eligible to file for an independent review of their foreclosure.

There were no costs associated with being included in the review; the review was a free program. Borrowers should beware of anyone requiring payments for assistance in connection with the Independent Foreclosure Review or any other foreclosure assistance program.

Federal Reserve's Role

The Federal Reserve's role is to ensure compliance with the enforcement actions issued in April and September of 2011 and April of 2012, including the payment process under the agreement in principle announced in January of 2013.

OCC and Federal Reserve examiners are continuing to closely monitor the servicers' implementation of plans required by the enforcement actions to correct the unsafe and unsound mortgage servicing and foreclosure practices.

More information on the Payment Agreement.

Press Release

August 10, 2018
Federal Reserve Board fines Citigroup $8.6 million for the improper execution of residential mortgage-related documents and announces termination of 2011 enforcement action

Press Release

January 12, 2018
Federal Reserve Board announces termination of enforcement actions against 10 banking organizations, civil monetary penalties against five of the 10 organizations, and termination of two joint orders against service

Press Release

July 07, 2014
Federal Reserve Board publishes report on Independent Foreclosure Review and the Payment Agreement

Press Release

July 26, 2013
Federal Reserve releases an amendment to the enforcement action against GMAC Mortgage

Press Release

May 8, 2013
Federal Reserve provides additional information on borrowers whose mortgages were serviced by Goldman Sachs and Morgan Stanley

Press Release

April 29, 2013
Payments to Goldman Sachs and Morgan Stanley borrowers covered by foreclosure agreement to begin May 3

Press Release

April 17, 2013
Federal Reserve provides information on checks sent under Independent Foreclosure Review Payment Agreement

Press Release

April 9, 2013
Payments to 4.2 Million Borrowers Covered by Foreclosure Agreement to Begin April 12

Press Release

February 28, 2013
Amendments to Consent Orders Memorialize $9.3 Billion Foreclosure Agreement

Press Release

January 18, 2013
OCC and Federal Reserve reach agreement with HSBC to provide $249 million in payments and assistance

Press Release

January 16, 2013
Federal Reserve Board reaches agreements in principle with Goldman Sachs and Morgan Stanley to provide $557 million in payments and other mortgage assistance to borrowers

Press Release

January 7, 2013
Independent Foreclosure Review to Provide $3.3 Billion in Payments, $5.2 Billion in Mortgage Assistance

Press Release

August 2, 2012
Deadline to request Independent Foreclosure Review extended to December 31

Press Release

June 21, 2012
Agencies Release Financial Remediation Guidance, Extend Deadline for Requesting a Free Independent Foreclosure Review to September 30, 2012

Press Release

March 8, 2012
Federal Reserve Board releases action plans for three supervised financial institutions to correct deficiencies in residential mortgage loan servicing and foreclosure processing

Press Release

February 27, 2012
Federal Reserve Board releases action plans for supervised financial institutions to correct deficiencies in residential mortgage loan servicing and foreclosure processing

Press Release

February 15, 2012
Federal Reserve Board and OCC announce deadline to request review under the Independent Foreclosure Review extended to July 31

Press Release

November 1, 2011
Federal Reserve Board announces that borrowers from four mortgage servicers can request an independent review and potentially receive compensation

Press Release

April 13, 2011
Federal Reserve issues enforcement actions related to deficient practices in residential mortgage loan servicing and foreclosure processing

Report

April, 2011
Interagency Review of Foreclosure Policies and Practices

Resource

June 21, 2012
OCC's Correcting Foreclosure Practices

1. Although not part of the Independent Foreclosure Review, on January 16, 2013, Goldman Sachs (Litton Loan Servicing LP) and Morgan Stanley (Saxon Mortgage Services, Inc.) reached similar agreements in principle with the Federal Reserve to enforcement actions for deficient practices in mortgage loan servicing and foreclosure processing. Return to text.

Back to TopLast Update: August 30, 2019

Enforcement Actions

SearchAbout

Search Enforcement Actions

To find enforcement actions against an entity supervised by the Federal Reserve, enter the NAME of the party subject to action in the search form below. The search form can be used with or without the NAME of the party by selecting A TYPE of action, a year of action or termination, or all three.

Select search criteria; you can search on any field or combination of fields.Type of action:--All-- Cease and Desist Order  Civil Money Penalty  Modifications  Notice of Intent  Order to Terminate Activities  Orders on Interlocutory Review  Prohibition from Banking  Prompt Corrective Action  Section 19 Letters  Written Agreement Year of action:--All-- 2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  2002  2001  2000  1999  1998  1997  1996  1995  1994  1993  1992  1991  1990  1989 Party subject to action:Year of termination:--All-- 2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  2002  2001  2000  1999  1998  1997  1996  1995  1994  1993  1992  1991  1990  1989 ClearSubmitDownload All (CSV)

Data Definitions

Disclaimer: This platform is intended to provide the enforcement actions taken by the Federal Reserve System in a searchable and downloadable format, but is not guaranteed to be comprehensive. The primary source for the enforcement actions are the Federal Reserve Board’s press releases and other official communications. The names of the financial institutions contained herein reflect the institutions’ identities when the enforcement actions were finalized and do not necessarily represent their current identities.

Please reference the "About Enforcement Actions" page for additional information, including the entities supervised by the Federal Reserve, the types of formal enforcement actions taken by the Federal Reserve, and the statutes which guide the publication of formal enforcement actions.The database contains 2637 records that match your search criteria.Action dateParty subject to actionEnforcement actionAscDescEffective
(mm/dd/yyyy) AscDescTermination
(mm/dd/yyyy) AscDescBanking organizationIndividual
(institution affiliation)01/04/2021Carolyn E. Flynn
Community Financial Services Bank, Benton, KentuckyProhibition from Banking  
Press Release12/22/2020Credit Suisse Group AG, Zurich, Switzerland; Credit Suisse AG, Zurich, Switzerland; Credit Suisse Holdings (USA), Inc., New York, New York; and Credit Suisse AG, New York Branch, New York, New York
Written Agreement  
Press Release11/13/2020Craco, Inc., Vinita, Oklahoma
Written Agreement  
Press Release11/06/2020Farmers Bank & Trust Company
Civil Money Penalty  
Press Release10/22/2020The Goldman Sachs Group, Inc., New York, New York
Cease and Desist Order  
Press Release10/22/2020The Goldman Sachs Group, Inc., New York, New York
Civil Money Penalty  
Press Release10/15/2020Weldon Riggs
First Savings Bank, Jeffersonville, IndianaCease and Desist Order  
Press Release10/14/2020M&T Bank, Buffalo, NY
Civil Money Penalty  
Press Release10/07/2020Citigroup, Inc., New York, New York
Cease and Desist Order  
Press Release09/28/2020Atlantic Community Bankers Bank, Camp Hill, Pennsylvania
Written Agreement  
Press Release

Back to TopLast Update: December 21, 2020

Research Publications & Data Analysis

2020

Consumer & Community Context: COVID-19
PDF
November 18
The fourth issue covers the topic of how consumers, communities, and community development organizations are responding to the pandemic.

More on Consumer & Community Context

Update on the Economic Well-Being of U.S. Households: July 2020 Results
HTML
September 18
This supplement to the Survey of Household Economics and Decisionmaking features updated information about the financial conditions and experiences of consumers and communities in the midst of the COVID-19 pandemic.

More on Household Economics and Decisionmaking

Consumer & Community Context: Retail Banking
HTML
August 10
The third issue covers the topic of changes in retail banking, and includes articles on the implications of faster payments for cash-flow constrained consumers; and the emergence of online-only subsidiaries of traditional brick-and-mortar banks.

More on Consumer & Community Context

Report on the Economic Well-Being of U.S. Households in 2019, Featuring Supplemental Data from April 2020
HTML
May 14
The report draws from the Board's seventh annual Survey of Household Economics and Decisionmaking (SHED), which examines the economic well-being and financial lives of U.S. adults and their families. The 2019 complete survey was conducted in October 2019, offering a picture of personal finances prior to the onset of the COVID-19 pandemic. To obtain updated information in the midst of closures and stay-at-home orders, a smaller supplemental survey was conducted in April 2020, focusing on labor market effects and households' overall financial circumstances at that time.
Appendixes to the Report on the Economic Well-Being of U.S. Households in 2019, Featuring Supplemental Data from April 2020 HTML

More on Household Economics and Decisionmaking

2019

Uncertain Terms: What Small Business Borrowers Find When Browsing Online Lender Websites
PDF
December 19
This report discusses findings of a study conducted by the Federal Reserve Board and the Federal Reserve Bank of Cleveland to assess the information presented to prospective borrowers on small business online lender websites.

Consumer Compliance Supervision Bulletin
HTML
December 17
This publication shares information about Federal Reserve examiners' observations and other noteworthy developments related to consumer protection.

Perspectives from Main Street: Bank Branch Access in Rural Communities
HTML
November 25
This report examines how rural consumers and small businesses use bank branches and how their communities have been affected by branch closures. It 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.

More on Rural Community and Economic Development

Consumer & Community Context: Small Business
HTML
November 4
The second issue covers the topic of small businesses' access to capital, and includes articles on experiences of small business owners when searching for financing online; disparities in small business credit approval by race and ethnicity; and small businesses' access to financial services in low- and moderate-income communities.

More on Consumer & Community Context

Perspectives from Main Street: Stakeholder Feedback on Modernizing the Community Reinvestment Act
HTML
June 13
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).

Report on the Economic Well-Being of U.S. Households in 2018
HTML
May 23
This report draws from the Board's sixth annual Survey of Household Economics and Decisionmaking (SHED) and examines the economic well-being and financial lives of Americans and their families.
Supplemental Appendixes HTML

More on Household Economics and Decisionmaking

Consumer & Community Context: Student Loans
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January 16
The inaugural issue covers the theme of student loans, and includes articles covering the impact that rising student loan debt levels may have on homeownership rates among young adults; and the relationship between the amount of student loan debt individuals acquire and their decisions to live in rural or urban areas.

More on Consumer & Community Context

2018

Consumer Compliance Supervision Bulletin
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July 26
This publication shares information about Federal Reserve examiners' observations and other noteworthy developments related to consumer protection.

Browsing to Borrow: "Mom & Pop" Small Business Perspectives on Online Lenders
PDF
June 28
This report examines small business owners' perceptions of online lenders and their understanding and interpretation of the information that online lenders use to describe their credit products.
Related Publication: Alternative Lending through the Eyes of "Mom & Pop" Small-Business Owners: Findings from Online Focus Groups

Report on the Economic Well-Being of U.S. Households in 2017
HTML
May 22
This report analyzes results of the Board's fifth annual Survey of Household Economics and Decisionmaking, conducted in November and December 2017. 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.
Supplemental Appendixes HTML

More on Household Economics and Decisionmaking

2017

Report on the Economic Well-Being of U.S. Households in 2016
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May 19
This report analyzes results of the Board's fourth annual Survey of Household Economics and Decisionmaking, conducted 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.

More on Household Economics and Decisionmaking

2016

Experiences and Perspectives of Young Workers
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December 19
The report provides a snapshot of the educational attainment, employment experience, labor market outlook, and financial self-sufficiency of 18- to 30-year-olds across the United States.

Survey documentation

Student Loan Counseling Challenges and Opportunities
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November 28
This report explores the counseling techniques financial aid administrators use and the challenges they encounter in helping students navigate their financial decisions. It summarizes findings from two focus groups with administrators from around the country.
Related Publication: Engaging Student Borrowers: Results of a Survey of Financial Aid Professionals

Enterprising and Informal Work Activities (EIWA)
PDF
November 17
Fielded in late 2015, the EIWA is a unique survey that captures all of the income generating activities undertaken by a nationally representative sample of adults 18 and older. The survey tracks the online and offline income-generating activities of the respondents as well as their employment status during the six months prior to the survey. Along with the traditional employment activities, the survey also explores offline and informal online paid work activities.
More on Enterprising and Informal Work Activities

Report on the Economic Well-Being of U.S. Households in 2015
HTML
May 25
This report analyzes results of the Board's third Survey of Household Economics and Decisionmaking, conducted in October and November 2015, and compares them with results from the previous year's survey. This survey provides insights into the well-being of households and consumers, and provides important information about how individuals and their families are faring in the economy.
More on Household Economics and Decisionmaking

Consumers and Mobile Financial Services 2016
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March 30
This report presents findings from the Federal Reserve Board's fifth survey on consumers' use of mobile financial services, conducted in November 2015. It also compares results from the current survey with results from previous years' surveys.
More on Mobile Financal Services

2015

Analyzing Racial and Ethnic Data in the Survey of Young Workers
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October 29
This report, based on the Board's 2013 Survey of Young Workers, focuses on the similarities and differences the survey data found across respondents of three racial and ethnic groups: white (non-Hispanic), black (non-Hispanic), and Hispanic.

Report on the Economic Well-Being of U.S. Households in 2014
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May 27
This report analyzes results of the Board's second Survey of Household Economics and Decisionmaking, conducted in October 2014, and compares them with results from the previous year's survey. The survey aims to capture a snapshot of the financial and economic well-being of U.S. households, as well as to monitor their recovery from the Great Recession and identify perceived risks to their financial stability.
More on Household Economics and Decisionmaking

Consumers and Mobile Financial Services 2015
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March 26
This report presents findings from the Federal Reserve Board's fourth survey on consumers' use of mobile financial services, conducted in December 2014. It also compares results from the current survey with results from previous years' surveys.
More on Mobile Financal Services

2014

In the Shadow of the Great Recession: Experiences and Perspectives of Young Workers
HTML
November 18
This report, based on the Board's 2013 Survey of Young Workers, provides insight into numerous labor market topics, including the educational attainment, work experience, and expectations of adults aged 18 to 30.

Survey documentation

Report on the Economic Well-Being of U.S. Households in 2013
HTML
August 7
This report analyzes results of the Board's Survey of Household Economics and Decisionmaking, conducted in September 2013. The survey's purpose was to capture a snapshot of the financial and economic well-being of U.S. households and the issues they face, as well as to monitor their recovery from the Great Recession and identify perceived risks to their financial stability.
Supplemental Appendix HTML
More on Household Economics and Decisionmaking

Consumers and Mobile Financial Services
HTML
March 25
This report presents findings from the Federal Reserve Board's third annual survey on consumers' use of mobile financial services, conducted in December 2013. It also compares results from the current survey with those from the surveys conducted in 2011 and 2012.
More on Mobile Financal Services

2013

Insights into the Financial Experiences of Older Adults: A Forum Briefing Paper
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July 17
This report highlights key findings from a survey of older adults regarding their use of financial products, their financial decisionmaking, and their main sources of financial stress.
More on Financial Experiences of Older Adults

Insights into the Financial Experiences of Older Adults: Supplemental Appendix
PDF
July 17, 2013
A companion to Insights into the Financial Experiences of Older Adults: A Forum Briefing Paper, this supplemental appendix provides the original wording of the survey questions used to produce the report.
More on Financial Experiences of Older Adults

Consumers and Mobile Financial Services
HTML
March 27
This report presents findings from the Federal Reserve Board's second survey on consumers' use of mobile financial services, conducted in November 2012. It also compares results from the 2012 survey with those from the first survey, conducted in December 2011.
More on Mobile Financal Services

2012

A Perspective from Main Street: Long-Term Unemployment and Workforce Development
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December

Consumers and Mobile Financial Services
HTML
March 14
Mobile devices have increasingly become tools for consumers to use for banking, payments, budgeting, and shopping. The Federal Reserve Board is interested in the effect of mobile technology on consumer finances, as well as the potential for mobile technology to expand access to financial services for previously underserved populations. This report presents findings from an online survey, conducted in December 2011 and January 2012, examining consumers' use of mobile technology to access financial services and make financial decisions.
More on Mobile Financal Services

2011

Putting Data to Work: Data-Driven Approaches to Strengthening Neighborhoods
HTML
December 12
This publication offers case studies and best practices for community development professionals, who want to increase their capacity to gather, analyze, disseminate, and use data to inform and support neighborhood stabilization decisions and activities.

Designing Disclosures to Inform Consumer Financial Decisionmaking: Lessons Learned from Consumer Testing
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August 10
The Federal Reserve Board has studied ways to improve the disclosures that consumers draw on when they purchase and use financial products and services. This article examines lessons learned from the Board's consumer testing projects, suggests potential best practices for disclosure content and presentation, and identifies challenges involved in crafting effective disclosures for financial products.

2010

REO and Vacant Properties: Strategies for Neighborhood Stabilization
PDF
September 1
This publication contains seventeen articles that examine a variety of neighborhood stabilization issues. The collection highlights both areas of need--such as for data, technology, and collaboration--and promising solutions from communities across the country. Examples include the Cuyahoga County, Ohio, land bank that holds vacant properties until they can be returned to productive use, and Boston Community Capital's efforts to purchase foreclosed properties and sell them back to former owners or tenants using a licensed mortgage affiliate.

2009

The Federal Reserve System's Role in Protecting Consumers
PDF
July 16

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