Banking

FEDERAL RESERVE BANK OF ATLANTA Volume 12, Number 2 April-June 1999 Cover Story - Credit Scoring in Small Business Lending: Bane or Blessing? Improving the Nation's Payments System: Advice to the Fed Atlanta Fed Official Outlines Strategies for the New Millennium D E P A R T M E N T S Informing Customers About the Year 2000 Did You Know? Federal Funds Market Plays Important Role in Monetary Policy Data Bank The Docket Editorial Director Pierce Nelson Managing Editor Lynn Foley Staff Writer Jean Tate Designers Carole Starkey and Kristin Shelton Editorial Board Bobbie McCrackin — V.P., Public Affairs Lois Berthaume — V.P., Supervision and Regulation Anne DeBeer — Sr. V.P., Accounting/Automation Lee Jones — V.P., Nashville Branch B. Frank King — V.P. and Assoc. Director of Research James McKee — V.P., Atlanta Branch Mel Purcell — Sr. V.P., Nashville Branch Melinda Rushing — A.V.P., Retail Payments Office Richard Fraher — Senior Counsel, Legal Patricia Van de Graaf — A.V.P., New Orleans Branch Policies The views expressed are not necessarily those of the Federal Reserve Bank of Atlanta or the Federal Reserve System. Reprinting or abstracting material from this publication is permitted if Financial Update is credited and a copy of the publication containing reprinted material is provided to the Public Affairs Department. Subscriptions Free subscriptions and additional copies are available upon request to: Taqiyyah Muhammad Public Affairs Department Federal Reserve Bank of Atlanta 104 Marietta St., N.W. Atlanta, GA 30303-2713 or by calling (404) 498-8020. Internet address: http://www.frbatlanta.org Change-of-address notices, along with the current mailing label, should be sent to the Public Affairs Department. ISSN 0899-6563 Subscriptions: Please use our Publications Order Form to order free subscriptions and additional copies.