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Banking content
Flood Risk and the U.S. Mortgage Market
Flooding is the most expensive natural disaster in the U.S., yet many homeowners remain underinsured against its financial impact. A new report from the Consumer Financial Protection Bureau (CFPB) highlights…
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Strengthening State-Level Consumer Protections:...
The CFPB’s latest report highlights the urgent need for states to modernize consumer protection laws in response to evolving corporate tactics and technological advancements. By strengthening enforcement tools, eliminating legal…
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CFPB’S Analysis of the First Seven Months of the...
The return to student loan repayment after a multi-year pause has revealed significant financial stress among borrowers. While nearly 40% of borrowers resumed making payments by April 2024, many continue…
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Financial Technology: SEC Should Prepare a...
Crypto assets and other financial technologies, which have grown rapidly, offer potential benefits and pose risks. For example, crypto assets had a market value of around $1.2 trillion in October…
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Cybersecurity and Financial System Resilience...
Given continued cyber threats in the financial sector and heightened geopolitical tensions due to Russia’s invasion of Ukraine, the Office of the Comptroller of the Currency (OCC) continues to place…
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Financial Technolgy: Agencies Can Better Support...
Banks and credit unions are increasingly using new technology—known as “fintech”—for services like paying bills with mobile wallets. So it’s crucial that regulators have the necessary skills to make policy…
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What Hitting the Debt Ceiling Might Mean for...
The United States is likely just weeks away from the federal government reaching the maximum debt ceiling. The U.S. Department of the Treasury is not permitted to expend funds beyond…
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Bank Regulation: Preliminary Review of Agency...
Silicon Valley Bank and Signature Bank failed during March 10–12, 2023. At the time of closure, they were among the 30 largest U.S. banks. The failures raised questions about bank…
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Digital Currencies and Cross-Border Payments: An...
Digital currencies are one of the latest innovations in payment systems being explored by governments, institutions, firms, and households. Digital currencies promise faster, cheaper, and more transparent transactions, especially across…
Learn MoreCentral Bank Digital Currencies
The recent proliferation of private digital currencies or cryptocurrencies unsupported by any government authority, such as Bitcoin, has led to questions of whether the Federal Reserve (Fed) should create a…
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The Fed: Bad Forecasts and Misguided Monetary...
This paper analyzes the Federal Reserve’s quarterly Summary of Economic Projections (SEPs) from September 2020 to December 2022 to document the Fed’s failure to forecast the sharp rise in inflation…
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SBA Disaster Loan Interest Rates: Overview and...
This report opens with an overview of the Small Business Administration (SBA) Disaster Loan Program’s financing, followed by the history of SBA disaster loan interest rate policy and the statutory…
Learn More2023 Stress Test Scenarios
The Federal Reserve promotes a safe, sound, and efficient banking system that supports the U.S. economy through its supervision and regulation of domestic and foreign banks. As part of its…
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Joint Statement on Liquidity Risks to Banking...
Recent events in the crypto-asset sector have underscored the potentially heightened liquidity risks presented by certain sources of funding from crypto-asset-related entities. The joint statement highlights key liquidity risks and…
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