Banking

FEDERAL RESERVE BANK OF ATLANTA Volume 14, Number 2 April–June 2001 Federal Reserve to Conduct Check and Electronic Payment Studies Agencies Issue Guidance on Subprime Lending The Economics of Americans’ Love Affair With Checks Greenspan Touts Virtues of Prudent Lending Practices Study Highlights Institutions’ Fees ATM Fee Disclosure Now Mandatory D E P A R T M E N T S Did You Know? Fed’s Supervision Duties Face Challenges as Banking Evolves Data Bank The Docket Editorial Director Pierce Nelson Managing Editor Lynn Foley Staff Writer Jean Tate Designers Carole Starkey and Peter Hamilton Editorial Board Bobbie McCrackin — V.P., Public Affairs, Chairman Lois Berthaume — V.P., Supervision and Regulation Dwight Blackwood — Senior Counsel, Legal Thomas J. Cunningham — V.P. and Assoc. Director of Research Anne DeBeer — Sr. V.P., Accounting/Automation Jeff Devine — A.V.P., New Orleans Branch Lee Jones — V.P., Nashville Branch James McKee — V.P., Atlanta Branch Mel Purcell — Sr. V.P., Nashville Branch Susan Robertson — A.V.P., Retail Payments Office 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 Lynne Anservitz Public Affairs Department Federal Reserve Bank of Atlanta 104 Marietta St., N.W. Atlanta, GA 30303-2713 or by calling 404.498.8020. 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.