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Banking content
A Look at the U.S. International Investment...
The U.S. international investment position saw a significant shift in the third quarter of 2024, with liabilities growing faster than assets. The net position dropped by $1.06 trillion, reflecting increased…
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Retirement Income: 2022 Survey of Income and...
Retirement income plays a crucial role in financial stability for older adults, yet only 48% of those aged 65 and over receive it outside of Social Security. Pensions, IRAs, and…
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Repossession in Auto Finance
Auto loan balances reached over $1.64 trillion in 2024, making auto finance one of the largest sources of consumer credit outside of mortgages. Yet, despite its scale, detailed data on…
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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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