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Vol. 26, No. 1,
First Quarter 2013

Articles

Fed Governor Powell Addresses Too Big to Fail

U.S. Consumers Assumed More Debt in January

Fed Chair Addresses Long-Term Interest Rates

Fed's Vice Chair Discusses How to Define Improvement

Atlanta Fed President Sees Potentially Faster Growth

Federal Reserve Board Seeks Comments on Proposed Rule

The Central Bank's Functions Explained

Fed Gov. Duke on Community Banking's Future

Fed, Other Regulators Issue Mortgage-Appraisal Rule

Fed Vice Chair Yellen Discusses Systemic Risk

Fed Data: Consumer Credit Rose in November

Reserve Banks Transfer Money to U.S. Treasury

Fed Unveils Updated CRA Thresholds

Atlanta Fed President Discusses U.S. Economy in 2013

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ViewPoint New article

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   Editor's Note: This publication is posted on a rolling schedule and content will be added throughout the quarter.
Updated March 28, 2013
interest rates Fed Gov. Powell: Too Big to Fail Reforms on Right Track New article
3/28/2013 - Much of the regulatory reform effort since the financial crisis has been aimed at ending "too big to fail," but it is too early to judge success or failure of the efforts, Federal Reserve Governor Jerome Powell said in a recent speech.
interest rates Banking Conditions, Interest Margin Performance Detailed in Financial Update's "ViewPoint" New article
3/27/2013 - The first quarter edition of Financial Update's "ViewPoint," from the Atlanta Fed's supervision and regulation division, includes the second part of an examination of net interest margin performance, a summary of proceedings from the Atlanta Fed's Banking Outlook Conference, and updates on banking conditions.
college costs Consumer Credit Rose in January
3/21/2013 - U.S. consumer credit grew for the sixth straight month in January, according to data the Federal Reserve recently released. The total amount of U.S. consumer credit outstanding grew a seasonally adjusted $16 billion and was fueled chiefly by nonrevolving debt.
Fed Chair Bernanke Bernanke Describes Stability Strategy Related to Long-Term Rates
3/20/2013 - One of the Federal Reserve's chief concerns is the stability of the U.S. financial market. Fed Chairman Ben Bernanke recently addressed the outlook for long-term interest rates and the impact that changes in these rates could have on the economy.
Fed Vice Chair Yellen Yellen Details "Substantial Improvement in Labor Market Outlook"
3/20/2013 - Federal Reserve Vice Chair Janet Yellen recently discussed factors that the Federal Open Market Committee uses in defining "substantial improvement" in the economy and how they influence the Fed's approach to monetary policy.
Atlanta Fed President Lockhart Atlanta Fed's Lockhart Sees Potential for Faster Economic Growth
2/27/2013 - In a recent speech, Atlanta Fed President Dennis Lockhart said that he sees potential for the U.S. economy to pick up steam in coming months. He also discussed the nation's economic outlook and complexities surrounding the interplay of monetary policy and the nation's persistent unemployment problems.
FR Board building Federal Reserve Extends Comment Period on Proposed Rule
2/27/2013 - The Federal Reserve Board has extended the comment period on a proposed rule to implement some enhanced prudential standards and early remediation requirements established under certain sections of the Dodd-Frank Wall Street Reform and Consumer Protection Act.
Fed Gov Duke The Atlanta Fed Explains the Central Bank
2/25/2013 - The latest in "The Fed Explained," the Atlanta Fed's animated video series, focuses on the history, structure, and functions of the Federal Reserve System.
Fed Fed Gov Duke Fed Gov. Duke: Future Still Bright for Community Banks
2/20/2013 - Community banking has a bright future despite a challenging economy and a host of regulatory changes, Federal Reserve Governor Elizabeth Duke said in a recent speech. She cited community banks' important role in the U.S. financial system and their inherent advantages, including deep community ties, daily interaction between managers and customers, and flexibility.
mortgage Federal Agencies Issue Rule on Appraisals of Higher-Priced Mortgages
2/6/2013 - The Federal Reserve and five other federal financial regulatory agencies recently issued appraisal requirements for higher-priced mortgage loans. Among the changes, creditors must use a licensed or certified appraiser who writes a report after physically visiting the inside of the home.
Fed Vice Chair Yellen Fed Vice Chair Yellen Discusses Interconnectedness, Systemic Risk
1/30/2013 - Fed Vice Chair Janet L. Yellen recently discussed the management of systemic financial risk that is heightened by the increased interconnectedness of global markets. But she cautioned that policy makers and regulators must consider the costs these reforms impose on market participants.
credit card Consumer Credit Rose in November
1/30/2013 - U.S. consumer credit grew for the fourth consecutive month in November to top $2.7 trillion, according to recent Federal Reserve data. Consumer credit outstanding increased a seasonally adjusted $16.1 billion, fueled by student and automobile loans.
US Treasury building Reserve Banks Return Nearly $90 Billion to U.S. Treasury
1/28/2013 - In 2012, the Federal Reserve System transferred $88.9 billion to the U.S. Treasury. This revenue represents most of the Reserve Banks' net income and came from a number of sources.
FRB building New CRA Asset-Size Thresholds Announced
1/23/2013 - The Federal Reserve Board and other federal bank regulators recently announced changes to the asset-size thresholds used to define "small" and "intermediate small" financial institutions under the Community Reinvestment Act.
Atlanta Fed Chair Lockhart Atlanta Fed President Lockhart: 2013 Pivotal for U.S. Economy
1/22/2013 - Atlanta Fed President and CEO Dennis Lockhart recently spoke to the Atlanta Rotary Club about the effects of fiscal policy uncertainty on the U.S. economic outlook.