Banking

FEDERAL RESERVE BANK OF ATLANTA Volume 12, Number 4 October - December 1999 Cover Story - Banks Selling Insurance: Risky Business? Ensuring There's Enough Cash in the Vault to Meet Demand Proposed Revisions to the Equal Credit Opportunity Act Guynn Poses Serious Questions to Bankers D E P A R T M E N T S Tying Up Loose Ends: Final Y2K Preparations Did You Know? ACH Enjoys Moderate but Steady Success as a Payment Option Data Bank The Docket Editorial Director Pierce Nelson Managing Editor Lynn Foley Staff Writers Jean Tate and Lee Underwood Designers Carole Starkey and Kelly Barger Editorial Board Bobbie McCrackin — V.P., Public Affairs Lois Berthaume — V.P., Supervision and Regulation Anne DeBeer — Sr. V.P., Accounting/Automation Richard Fraher — Senior Counsel, Legal 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 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.