Federal Reserve
Study finds no household harm from banking consolidation
A Federal Reserve study finds that banking consolidation does not harm households in the mortgage market.
Focus
Research uncovers interbank market frictions, policy implications
Federal Reserve researchers published a paper analyzing demand and supply for central bank reserves in an ample-reserves framework.
Study links dot plot to interest rate expectations
A new Federal Reserve working paper explores how central bank projections, particularly the 'dot plot,' influence market interest rate expectations.
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Household well-being stable, AI use rising, price concerns ease
The Federal Reserve Board's 2025 report on U.S. household well-being indicates overall financial stability.
Waller urges 'System first' mindset for Fed operations
Federal Reserve Governor Christopher J. Waller called for a 'System first, Bank second' mindset to modernize Federal Reserve Bank operations.
Bowman: Regulation shifts corporate lending to nonbanks
Federal Reserve Vice Chair for Supervision Michelle W. Bowman addressed how regulatory requirements are driving corporate lending from banks to nonbanks.
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Fed approves Columbia Bank conversion, Northfield acquisition
The Federal Reserve Board has approved applications for Columbia Bank MHC to convert from mutual to stock form.
Cook: Tokenization offers benefits, poses financial stability risks
Federal Reserve Governor Lisa D. Cook discussed the implications of tokenization for the financial system at a conference in Dakar, Senegal.
Bowman urges coordinated approach to consumer fraud protection
Federal Reserve Vice Chair Michelle W. Bowman emphasized the critical need for a coordinated approach to consumer fraud protection.
CRE loan extensions address temporary strains, not evergreening
A Federal Reserve paper finds that commercial real estate (CRE) loan extensions predominantly address temporary payment frictions, not 'extend-and-pretend' behavior.
Bowman: AI requires adaptable supervision, global coordination
Federal Reserve Vice Chair for Supervision Michelle W. Bowman discussed the rapid evolution of artificial intelligence in the financial system.
Fed study quantifies financial exclusion of justice-involved
A Federal Reserve study reveals significant financial exclusion and worse outcomes for justice-involved individuals, including lower credit scores and reduced credit access.