Virtual/remote audits - I am performing virtual/remote FFIEC IT/AIO audits for banks and credit unions. I am a former bank examiner with years of IT auditing experience. Please contact R. Kinney Williams at examiner@yennik.com from your bank's email and I will send you information and fees. All correspondence is confidential.

November 30, 2021 - NCUA Issues Two Prohibition Orders - These individuals are prohibited from participating in the affairs of any federally insured financial institution. https://www.ncua.gov/newsroom/press-release/2021/ncua-issues-two-prohibition-orders. www.ncua.gov/newsroom/press-release/2021/ncua-issues-two-prohibition-orders 

November 30, 2021 - A Great Moral and Social Force - Preorder Your Free Copy Now - Black banks were involved in some of the most important race relations events in U.S. history. Our new book tells the stories of black banks in 5 cities. https://www.kansascityfed.org/about-us/a-great-moral-and-social-force/

November 30, 2021 - FDIC Issues CRA Examination Schedules for First Quarter 2022 and Second Quarter 2022 - The Federal Deposit Insurance Corporation today issued the lists of institutions scheduled for a Community Reinvestment Act examination during the first quarter 2022 and second quarter 2022. www.fdic.gov/news/press-releases/2021/pr21099.html

November 30, 2021 - FDIC-Insured Institutions Reported Net Income of $69.5 Billion in Third Quarter 2021 - Reports from the 4,914 commercial banks and savings institutions insured by the Federal Deposit Insurance Corporation reflect aggregate net income of $69.5 billion in third quarter 2021, an increase of $18.4 billion (35.9 percent) from a year ago. www.fdic.gov/news/press-releases/2021/pr21098.html

November 30, 2021 - Speech by Vice Chair Clarida on Federal Reserve Independence: Foundations and Responsibilities - Vice Chair Richard H. Clarida At the Federal Reserve Bank of Cleveland, Cleveland, Ohio (via livestream).  https://www.federalreserve.gov/newsevents/speech/clarida20211130a.htm

November 30, 2021 - Minutes of the Board's discount rate meetings on October 25 and November 3, 2021. www.federalreserve.gov/newsevents/pressreleases/monetary20211130a.htm

November 30, 2021 - Testimony by Chair Jerome H. Powell - Coronavirus and CARES Act Before the Committee on Banking, Housing, and Urban Affairs, U.S. Senate, Washington, D.C. www.federalreserve.gov/newsevents/testimony/powell20211130a.htm

November 29, 2021 - NCUA Board Calls on Congress to Make CLF Enhancements Permanent - In a joint letter issued today, the NCUA Board requested that Congress make permanent the enhancements to the Central Liquidity Facility contained in the Coronavirus Aid, Relief, and Economic Security Act. www.ncua.gov/newsroom/press-release/2021/ncua-board-calls-congress-make-clf-enhancements-permanent

November 29, 2021 - OCC Issues First and Second Quarter 2022 CRA Evaluation Schedule - The Office of the Comptroller of the Currency today released its schedule of Community Reinvestment Act evaluations to be conducted in the first and second quarters of 2022. www.occ.gov/news-issuances/news-releases/2021/nr-occ-2021-122.html

November 29, 2021 - Credit and Liquidity Programs and the Balance Sheet - Recent balance sheet trends, weekly chart update.  www.federalreserve.gov/monetarypolicy/bst_recenttrends.htm

November 29, 2021 - The Smart Money is in Cash? Financial Literacy and Liquid Savings Among U.S. Families - Neil Bhutta, Jacqueline Blair, Lisa Dettling - Most financial advisors recommend storing three to six months of expenses in liquid assets in case of an emergency. www.federalreserve.gov/econres/feds/the-smart-money-is-in-cash-financial-literacy-and-liquid-savings-among-us-families.htm

November 29, 2021 - Opening Remarks by Chair Powell At the Introducing the New York Innovation Center Event, Washington, D.C. (via webcast).   www.federalreserve.gov/newsevents/speech/powell20211129a.htm

November 26, 2021 - Credit Portfolio Convergence in U.S. Banks since the COVID-19 Shock - Andrew Hawley, Ke Wang The COVID-19 pandemic has materially affected U.S. consumer behavior and business operations in many important aspects. www.federalreserve.gov/econres/notes/feds-notes/credit-portfolio-convergence-in-u-s-banks-since-the-covid-19-shock-20211126.htm

November 26, 2021 - Federal Open Market Committee - Historical Memos, 1979-80 - Preceding each FOMC meeting, the FOMC Secretariat distributes to the Committee memos covering a range of subjects. www.federalreserve.gov/monetarypolicy/fomc-memos-by-year.htm

November 26, 2021 - FDIC Makes Public October Enforcement Actions - The FDIC issued three Orders in October 2021. The administrative enforcement actions in those three Orders consisted of one Order to Pay Civil Money Penalty, one Consent Order, and one Section 19 Order. www.fdic.gov/news/press-releases/2021/pr21097.html
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November 24, 2021 - Supervision and Regulation Report - The report summarizes banking conditions and the Federal Reserve�s supervisory and regulatory activities, in conjunction with semiannual testimony before Congress by the Vice Chair for Supervision. www.federalreserve.gov/publications/supervision-and-regulation-report.htm

November 24, 2021 - Minutes of the Federal Open Market Committee, November 2-3, 2021 - The minutes for each regularly scheduled meeting of the Committee ordinarily are made available three weeks after the day of the policy decision and subsequently are published in the Board's Annual Report. www.federalreserve.gov/newsevents/pressreleases/monetary20211124a.htm

November 24, 2021 - Federal Reserve Board announces members of its Insurance Policy Advisory Committee - The members will serve three-year terms beginning in 2022. www.federalreserve.gov/newsevents/pressreleases/bcreg20211124a.htm

November 23, 2021 - When Paying Bills, Low-Income Consumers Incur Higher Costs - Low-income consumers are more likely to pay bills using costlier payment methods, even when they have access to cheaper bank account-based methods. Digital exclusion, cash flow constraints, and lack of trust in or familiarity with electronic payment methods may explain low-income consumers� reliance on costlier bill payment methods. www.kansascityfed.org/research/payments-system-research-briefings/when-paying-bills-low-income-consumers-incur-higher-costs/

November 23, 2021 - OCC Clarifies Bank Authority to Engage in Certain Cryptocurrency Activities and Authority of OCC to Charter National Trust Banks - he Office of the Comptroller of the Currency today published a letter confirming that national banks and federal savings associations must demonstrate that they have adequate controls in place before they can engage in certain cryptocurrency, distributed ledger, and stablecoin activities. www.occ.gov/news-issuances/news-releases/2021/nr-occ-2021-121.html

November 23, 2021 - Statistical Release - Large Commercial Banks - The Federal Reserve Board compiles quarterly data on domestically chartered insured commercial banks that have consolidated assets of $300 million or more and releases the data about twelve weeks after the end of each quarter. www.federalreserve.gov/releases/lbr/

November 23, 2021 - Agencies issue joint statement on crypto-asset policy initiative and next steps - Federal bank regulatory agencies today issued a statement summarizing their interagency "policy sprints" focused on crypto-assets and providing a roadmap of future work related to crypto-assets.
Press Release: www.federalreserve.gov/newsevents/pressreleases/bcreg20211123a.htm
Press Release: www.fdic.gov/news/press-releases/2021/pr21096.html
Press Release: www.occ.treas.gov/news-issuances/news-releases/2021/nr-ia-2021-120.html

November 23, 2021 - Federal Reserve Board announces termination of enforcement action with The Goldman Sachs Group, Inc. and Goldman Sachs & Co. LLC.   www.federalreserve.gov/newsevents/pressreleases/enforcement20211123a.htm

November 22, 2021 - Agriculture Conference � November 30, 2021 - Join us on Tuesday, November 30, 2021, for a virtual event where we will explore the impacts of biofuels on the Midwest and related trends in agriculture. www.chicagofed.org/events/2021/ag-conference

November 22, 2021 - Bank Exposure to Commercial Real Estate and the Covid-19 Pandemic - By Kyle Binder , Emily Greenwald , Sam Schulhofer-Wohl , Alejandro H. Drexler - The Covid-19 pandemic had an immediate and substantial impact on the commercial real estate market-emptying workplaces, shopping centers, and hotels, thus affecting the cash flows of businesses occupying commercial space and in turn the ability of commercial space owners to meet their debt obligations. www.chicagofed.org/publications/chicago-fed-letter/2021/463

November 22, 2021 - NCUA Board Member Rodney E. Hood Remarks at United World College of the Atlantic (Wales) �The Cooperative Credit System as a Force for Good.�   www.ncua.gov/newsroom/speech/2021/ncua-board-member-rodney-e-hood-remarks-united-world-college-atlantic-wales-cooperative-credit

November 22, 2021 - Statistical Release - Charge-Off and Delinquency Rates on Loans and Leases at Commercial Banks.  www.federalreserve.gov/releases/chargeoff/

November 22, 2021 - Statement by Governor Lael Brainard on her nomination by President Biden.  www.federalreserve.gov/newsevents/pressreleases/other20211122b.htm

November 22, 2021 - Statement by Federal Reserve Board Chair Jerome H. Powell on his nomination by President Biden. www.federalreserve.gov/newsevents/pressreleases/other20211122a.htm

November 19, 2021 - Agriculture Conference � November 30, 2021 - Electric vehicle production is on the rise, while corn ethanol usage during the pandemic faltered. www.chicagofed.org/events/2021/ag-conference

November 19, 2021 - Tenth District Services Activity Continued to Grow Moderately in November - The Federal Reserve Bank of Kansas City released the November Services Survey today. www.kansascityfed.org/newsroom/2021-news-releases/tenth-district-services-activity-continued-to-grow-moderately-in-november/

November 19, 2021 - Does Access to Bank Accounts as a Minor Improve Financial Capability? Evidence from Minor Bank Account Laws - J. Michael Collins, Jeff Larrimore, and Carly Urban - Banking the unbanked is a common policy goal, but should this include access to bank accounts for minors? www.federalreserve.gov/econres/feds/does-access-to-bank-accounts-as-a-minor-improve-financial-capability.htm

November 19, 2021 - Quantifying Bottlenecks in Manufacturing - Charles Gilbert, Maria D. Tito, and Cynthia Doniger - Shortages of key components and logistics problems have constrained factory output since the start of the year. www.federalreserve.gov/econres/notes/feds-notes/quantifying-bottlenecks-in-manufacturing-20211119.htm

November 19, 2021 - Speech by Vice Chair Richard H. Clarida - Perspectives on Global Monetary Policy Coordination, Cooperation, and Correlation - At the "Macroeconomic Policy and Global Economic Recovery" 2021 Asia Economic Policy Conference, sponsored by the Federal Reserve Bank of San Francisco Center for Pacific Basin Studies, San Francisco, California (via webcast).  www.federalreserve.gov/newsevents/speech/clarida20211119a.htm

November 19, 2021 - Credit and Liquidity Programs and the Balance Sheet.  www.federalreserve.gov/monetarypolicy/bst_recenttrends.htm

November 19, 2021 - Speech by Governor Christopher J. Waller At the Center for Financial Stability, New York, New York www.federalreserve.gov/newsevents/speech/waller20211119a.htm

November 19, 2021 - Federal Reserve announces College Fed Challenge winners - Pace University won the 18th annual national College Fed Challenge on Friday, a competition that encourages students to learn about the U.S. economy, monetary policymaking, and the role of the Federal Reserve System. www.federalreserve.gov/newsevents/pressreleases/other20211119a.htm

November 18, 2021 - 2021 BKD Financial Services Symposium - President Charles Evans will participate virtually in a moderated Q&A followed by an audience Q&A at the 2021 BKD Financial Services Symposium on Thursday, November 18, at 1:00 p.m. CT. www.chicagofed.org/publications/speeches/2021/november-18-bkd-symposium

November 18, 2021 - NCUA Board Approves Draft Strategic Plan, Final Rule on Shared Services Facilities - The NCUA Board unanimously approved the NCUA�s draft Strategic Plan 2022 �2026, which describes the agency�s proposed strategic goals and objectives for the next five years, summarizes an analysis of the internal and external environment impacting the NCUA, and evaluates the agency�s programs and risks. www.ncua.gov/newsroom/press-release/2021/ncua-board-approves-draft-strategic-plan-final-rule-shared-services-facilities

November 18, 2021 - OCC Enforcement Actions and Terminations - The Office of the Comptroller of the Currency today released new enforcement actions taken against national banks, federal savings associations, and individuals currently and formerly affiliated with national banks and federal savings associations. www.occ.gov/news-issuances/news-releases/2021/nr-occ-2021-118.html

November 18, 2021 - Tenth District Manufacturing Growth Eased Slightly in November - Regional factory activity continued to grow but at a slower pace than in recent months. www.kansascityfed.org/surveys/manufacturing-survey/tenth-district-manufacturing-growth-eased-slightly/

November 18, 2021 - How the Pandemic Influenced Trends in Domestic Migration across U.S. Urban Areas - The pandemic appears to have accelerated moves from larger urban areas to smaller urban areas. - Prior to the COVID-19 pandemic, net domestic migration in the United States was generally increasing in smaller urban areas while declining in the largest urban areas; as people sought to mitigate exposure to COVID-19 and avoid stricter lockdown measures, the pandemic may have accelerated this trend. www.kansascityfed.org/research/economic-review/how-the-pandemic-influenced-trends-in-domestic-migration-across-us-urban-areas/
 
November 18, 2021 - St. Louis Fed Releases New Book About Rural Challenges, Opportunities - The Federal Reserve Bank of St. Louis released a new book which seeks to help rural communities navigate the challenges and opportunities they face to reach a future in which economic prosperity is a reality. www.stlouisfed.org/news-releases/2021/11/18/st-louis-fed-releases-book-about-rural-challenges-opportunities

November 18, 2021 - Presidential $1 Coin Program, November 2021 - Reports on the Federal Reserve and the United States Mint's collaborative efforts to develop the Presidential $1 Coin Program and improve the distribution and circulation of $1 coins. www.federalreserve.gov/publications/files/dollarcoin2021.pdf

November 18, 2021 - Words Speak as Loudly as Actions: Central Bank Communication and the Response of Equity Prices to Macroeconomic Announcements - Ben Gardner, Chiara Scotti, and Clara Vega - While the literature has already widely documented the effects of macroeconomic news announcements on asset prices, as well as their asymmetric impact during good and bad times, we focus on the reaction to news based on the description of the state of the economy as painted by the Federal Open Market Committee statements. www.federalreserve.gov/econres/feds/central-bank-communication-and-the-response-of-equity-prices-to-macroeconomic-announcements.htm

November 18, 2021 - Agencies approve final rule requiring computer-security incident notification - Federal bank regulatory agencies today announced the approval of a final rule to improve the sharing of information about cyber incidents that may affect the U.S. banking system.
Press Release: www.federalreserve.gov/newsevents/pressreleases/bcreg20211118a.htm
Press Release: www.fdic.gov/news/press-releases/2021/pr21095.html
Press Release: www.occ.gov/news-issuances/news-releases/2021/nr-ia-2021-119.html
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November 18, 2021 - OCC Enforcement Actions and Terminations - The Office of the Comptroller of the Currency (OCC) today released new enforcement actions taken against national banks, federal savings associations, and individuals currently and formerly affiliated with national banks and federal savings associations. https://www.occ.treas.gov/news-issuances/news-releases/2021/nr-occ-2021-118.html

November 18, 2021 - St. Louis Fed Releases New Book About Rural Challenges, Opportunities - The Federal Reserve Bank of St. Louis released a new book which seeks to help rural communities navigate the challenges and opportunities they face to reach a future in which economic prosperity is a reality. www.stlouisfed.org/news-releases/2021/11/18/st-louis-fed-releases-book-about-rural-challenges-opportunities

November 18, 2021 - Words Speak as Loudly as Actions: Central Bank Communication and the Response of Equity Prices to Macroeconomic Announcements - Ben Gardner, Chiara Scotti, and Clara Vega - While the literature has already widely documented the effects of macroeconomic news announcements on asset prices, as well as their asymmetric impact during good and bad times. www.federalreserve.gov/econres/feds/central-bank-communication-and-the-response-of-equity-prices-to-macroeconomic-announcements.htm

November 18, 2021 - Macroeconomic Implications of Inequality and Income Risk - Aditya Aladangady, Etienne Gagnon, Benjamin K. Johannsen, and William B. Peterman - We explore the long-run relationship between income risk, inequality, and the macroeconomy in an overlapping-generations model in which households face uncertain streams of labor income and returns on their savings. www.federalreserve.gov/econres/feds/macroeconomic-implications-of-inequality-and-income-risk.htm

November 18, 2021 - Decomposing Gender Differences in Bankcard Credit Limits - Nathan Blascak and Anna Tranfaglia - In this paper, we examine if there are gender differences in total bankcard limits by utilizing a data set that links mortgage applicant information with individual-level credit bureau data from 2006 to 2016. www.federalreserve.gov/econres/feds/decomposing-gender-differences-in-bankcard-credit-limits.htm

November 18, 2021 - NCUA Chairman Todd M. Harper Statement on the NCUA�s Proposed Strategic Plan for 2022�2026.  https://www.ncua.gov/newsroom/speech/2021/ncua-chairman-todd-m-harper-statement-ncuas-proposed-strategic-plan-2022-2026

November 18, 2021 - NCUA Chairman Todd M. Harper Statement on the NCUA�s Modernized Examination Tools. www.ncua.gov/newsroom/speech/2021/ncua-chairman-todd-m-harper-statement-ncuas-modernized-examination-tools 

November 18, 2021 - NCUA Chairman Todd M. Harper Statement on the Quarterly Update on the National Credit Union Share Insurance Fund. www.ncua.gov/newsroom/speech/2021/ncua-chairman-todd-m-harper-statement-quarterly-update-national-credit-union-share-insurance-fund-0

November 18, 2021 - NCUA Chairman Todd M. Harper Statement on Shared Service Facilities Final Rule. www.ncua.gov/newsroom/speech/2021/ncua-chairman-todd-m-harper-statement-shared-service-facilities-final-rule

November 17, 2021 - Supporting Detroit Minority Businesses: Access to Capital�Survey Results - Supporting Detroit Minority Businesses: Access to Capital - Survey Results.  www.chicagofed.org/events/project-hometown/access-to-capital-survey-results

November 17, 2021 - Speech by Governor Waller on thoughts on stablecoins At "Planning for Surprises, Learning from Crises" 2021 Financial Stability Conference, cohosted by the Federal Reserve Bank of Cleveland and the Office of Financial Research, Cleveland, Ohio (via webcast).  www.federalreserve.gov/newsevents/speech/waller20211117a.htm

November 16, 2021 - NCUA Posts 2022-2023 Proposed Budget, Sets Dec. 8 Public Briefing - Agency Accepting Comments and Budget Briefing Presentation Requests - The National Credit Union Administration�s draft staff budget for 2022�2023 is now available on the agency�s website for review and comment.  www.ncua.gov/newsroom/press-release/2021/ncua-posts-2022-2023-proposed-budget-sets-dec-8-public-briefing

November 16, 2021 - Changes to Supply Chains, Shopping Habits Affect Food Prices - According to one estimate from the American Farm Bureau Federation, your Thanksgiving Day spread could cost 4 to 5 percent more than last year. www.kansascityfed.org/ten/changes-to-supply-chains-shopping-habits-affect-food-prices/

November 16, 2021 - Acting Comptroller Discusses Modernizing the Financial Regulatory Perimeter - Acting Comptroller of the Currency Michael J. Hsu today discussed modernizing the financial regulatory perimeter at the Federal Reserve Bank of Philadelphia�s Fifth Annual Fintech Conference. www.occ.treas.gov/news-issuances/speeches/2021/pub-speech-2021-117.pdf 

November 16, 2021 - Policymaking in a Time of Uncertainty - Mary C. Daly, President and Chief Executive Officer - Federal Reserve Bank of San Francisco at The Commonwealth Club of California San Francisco, CA.  www.frbsf.org/our-district/press/presidents-speeches/mary-c-daly/2021/november/policymaking-in-a-time-of-uncertainty/ 

November 16, 2021 - A closed meeting of the Board of Governors of the Federal Reserve System was held at 10:00 a.m. on November 16, 2021. Matter(s) considered: Periodic Supervisory Update. www.federalreserve.gov/aboutthefed/boardmeetings/20211116closed.htm

November 16, 2021 - Industrial Production and Capacity Utilization - G.17 - Industrial production rose 1.6 percent in October after falling 1.3 percent in September; about half of the gain in October reflected a recovery from the effects of Hurricane Ida. www.federalreserve.gov/releases/g17/current/default.htm

November 16, 2021 - Federal Reserve Board issues enforcement actions with Industrial and Commercial Bank of China Ltd. and Industrial and Commercial Bank of China Ltd., New York Branch, and a former employee of Eagle Bancorp, Inc. and EagleBank.  www.federalreserve.gov/newsevents/pressreleases/enforcement20211116a.htm

November 15, 2021 - The KC Fed LMCI suggests the level of activity increased modestly in October, while momentum was little changed - The KC Fed LMCI suggests the level of activity increased modestly in October, while momentum was little changed. www.kansascityfed.org/data-and-trends/lmci/current-release/ 

November 15, 2021 - Credit and Liquidity Programs and the Balance Sheet - Recent balance sheet trends, weekly chart update. www.federalreserve.gov/monetarypolicy/bst_recenttrends.htm

November 12, 2021 - NCUA Chairman Todd M. Harper Remarks at the African American Credit Union Coalition�s Town Hall. www.ncua.gov/newsroom/speech/2021/ncua-chairman-todd-m-harper-remarks-african-american-credit-union-coalitions-town-hall

November 12, 2021 - Reports to Congress Pursuant to Section 13(3) of the Federal Reserve Act in response to COVID-19 - The Federal Reserve filed these reports with Congress pursuant to section 13(3) of the Federal Reserve Act concerning the lending facilities established by the Board. www.federalreserve.gov/publications/reports-to-congress-in-response-to-covid-19.htm
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November 10, 2021 - The Federal Financial Institutions Examination Council today introduced �FFIEC Announcements,� an email notification providing relevant and timely information designed specifically for examiners and practitioners within the financial services sector. www.ffiec.gov/press/an111021.htm

November 10, 2021 - Interagency Statement on Supervisory and Enforcement Practices Regarding the Mortgage Servicing Rules in Response to the Continuing COVID-19 Pandemic and CARES Act.  
Press Release: www.federalreserve.gov/supervisionreg/caletters/caltr2116.htm
Press Release: www.fdic.gov/news/financial-institution-letters/2021/fil21073.html
Press Release: www.occ.gov/news-issuances/bulletins/2021/bulletin-2021-53.html

November 9, 2021 - Managing Climate Risk in Mortgage Markets: A Role for Derivatives By Ketan B. Patel - The world�s communities and economies are already feeling significant effects from global warming and related climate and extreme weather events, as the latest United Nations Intergovernmental Panel on Climate Change world climate report published in August 2021 makes clear. www.chicagofed.org/publications/chicago-fed-letter/2021/462

November 9, 2021 - The Kansas City Financial Stress Index - The KCFSI suggests financial stress remained muted in October. www.kansascityfed.org/data-and-trends/kansas-city-financial-stress-index/current-release/

November 9, 2021 - Revision to the Consolidated Reports of Condition and Income Related to the Standardized Approach for Counterparty Credit Risk - The Federal Deposit Insurance Corporation, the Board of Governors of the Federal Reserve System, and the Office of the Comptroller of the Currency, under the auspices of the Federal Financial Institutions Examination Council, published the attached final regulatory reporting changes in the Federal Register. www.fdic.gov/news/financial-institution-letters/2021/fil21072.html

November 9, 2021 - Speech by Chair Jerome H. Powell At the Conference on Diversity and Inclusion in Economics, Finance, and Central Banking, sponsored by the Bank of Canada, the Bank of England, the Board of Governors of the Federal Reserve System, and the European Central Bank (via webcast). www.federalreserve.gov/newsevents/speech/powell20211109a.htm

November 9, 2021 - Federal Reserve issues consent order against Mashreqbank for firm's unsafe and unsound practices related to sanctions compliance.   www.federalreserve.gov/newsevents/pressreleases/enforcement20211109a.htm

November 8, 2021 - What�s Driving Growth and Inflation? - A speech presented virtually by Charles Evans, president and chief executive officer, Federal Reserve Bank of Chicago, on November 8, 2021, at the Original Equipment Suppliers Association 2021 Automotive Supplier Conference: Beyond Disruption in Novi, MI. www.chicagofed.org/publications/speeches/2021/november-08-oesa-conference

November 8, 2021 - Acting Comptroller Discusses Climate Change Risk - His remarks highlighted five questions that large bank boards of directors should ask to promote and accelerate improvements in climate risk management practices at their banks. www.occ.gov/news-issuances/news-releases/2021/nr-occ-2021-116.html

November 8, 2021 - Financial Stability Report - This report summarizes the Federal Reserve Board�s framework for assessing the resilience of the U.S. financial system and presents the Board�s current assessment. www.federalreserve.gov/publications/financial-stability-report.htm

November 8, 2021 - Senior Loan Officer Opinion Survey on Bank Lending Practices, October 2021 - urvey of up to eighty large domestic banks and twenty-four U.S. branches and agencies of foreign banks. www.federalreserve.gov/data/sloos.htm

November 8, 2021 - Opening remarks by Chair Powell at the Gender and the Economy Conference Chair Jerome H. Powell At the Gender and the Economy Conference, a symposium hosted by the Division of Consumer and Community Affairs, Board of Governors of the Federal Reserve System, Washington, D.C. (via webcast).   www.federalreserve.gov/newsevents/speech/powell20211108a.htm

November 8, 2021 - Remarks by Vice Chair Clarida on flexible average inflation targeting and prospects for U.S. monetary policy Vice Chair Richard H. Clarida At the Symposium on Monetary Policy Frameworks, The Brookings Institution, Washington, D.C. (via webcast).  www.federalreserve.gov/newsevents/speech/clarida20211108a.htm

November 8, 2021 - Remarks by Governor Bowman on the U.S. housing and mortgage market Governor Michelle W. Bowman At the Women in Housing and Finance Public Policy Luncheon, Washington, D.C. www.federalreserve.gov/newsevents/speech/bowman20211108a.htm

November 8, 2021 - Randal K. Quarles submits resignation as a member of the Federal Reserve Board, effective at the end of December.   www.federalreserve.gov/newsevents/pressreleases/other20211108a.htm

November 5, 2021 - Supporting Detroit Minority Businesses: Access to Capital�Survey Results - Minority-led businesses in Detroit�especially small businesses and microenterprises�shape their neighborhoods, support local employment, and promote wealth accumulation in their communities. www.chicagofed.org/events/project-hometown/access-to-capital-survey-results

November 5, 2021 - NCUA Places Pomona Postal Federal Credit Union Into Conservatorship - Accounts Protected by Share Insurance Fund; Member Services Uninterrupted - The National Credit Union Administration today placed Pomona Postal Federal Credit Union in Pomona, California, into conservatorship. www.ncua.gov/newsroom/press-release/2021/ncua-places-pomona-postal-federal-credit-union-conservatorship

November 5, 2021 - Statistical Release - Consumer Credit - G.19 - Consumer credit increased at a seasonally adjusted annual rate of 5.6 percent during the third quarter. www.federalreserve.gov/releases/g19/current/default.htm

November 5, 2021 - FOIA - Chair Powell's calendar, September 2021.  www.federalreserve.gov/foia/chairman-powell-calendar.htm

November 5, 2021 - Credit and Liquidity Programs and the Balance Sheet - Recent balance sheet trends, weekly chart update. www.federalreserve.gov/monetarypolicy/bst_recenttrends.htm

November 5, 2021 - Federal Reserve Balance Sheet Developments - The Federal Reserve prepares this balance sheet report to help further its commitment to transparency about actions taken in connection with two of its key functions�conducting monetary policy to meet its congressional mandate of maximum employment and price stability as well as promoting financial stability. www.federalreserve.gov/monetarypolicy/balance-sheet-developments-report.htm

November 5, 2021 - Caregiving for children and parental labor force participation during the pandemic - Joshua Montes, Christopher Smith, and Isabel Leigh - The labor force participation rate the fraction of the population ages 16 and older that is either working or actively looking for work�moved up steadily over the last few years prior to the COVID-19 pandemic and stood at 63.3 percent in February 2020. www.federalreserve.gov/econres/notes/feds-notes/caregiving-for-children-and-parental-labor-force-participation-during-the-pandemic-20211105.htm

November 5, 2021 - International Measures of Common Inflation - Eli Nir, Flora Haberkorn, and Danilo Cascaldi-Garcia1 - A key challenge for monetary policymakers in achieving their inflation goals�particularly important at the current juncture�is to be able to distinguish between persistent inflationary changes and short-term idiosyncratic shocks. www.federalreserve.gov/econres/notes/feds-notes/international-measures-of-common-inflation-20211105.htm

November 5, 2021 - Better the Devil You Know: Improved Forecasts from Imperfect Models - Dong Hwan Oh and Andrew J. Patton - Many important economic decisions are based on a parametric forecasting model that is known to be good but imperfect. www.federalreserve.gov/econres/feds/better-the-devil-you-know-improved-forecasts-from-imperfect-models.htm

November 5, 2021 - Differences in Rent Growth by Income 1985-2019 and Implications for Real Income Inequality - Daryl Larsen, and Raven Molloy - Large and growing income differentials in the US have generated a mounting interest in income inequality among economists. www.federalreserve.gov/econres/notes/feds-notes/differences-in-rent-growth-by-income-1985-2019-and-implications-for-real-income-inequality-20211105.htm

November 5, 2021 - Fedwire Funds Service: Payments, Balances, and Available Liquidity - Anton Badev, Lauren Clark, Daniel Ebanks, Jeffrey Marquardt, David Mills - We analyze the universe of payments settled through the Fedwire Funds Service--the primary U.S. real-time gross settlement service operated by the Federal Reserve--for the period January 2004 to December 2020. www.federalreserve.gov/econres/feds/fedwire-funds-service-payments-balances-and-available-liquidity.htm
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November 4, 2021 - Report to the Congress on Regarding Differences in Accounting and Capital Standards Among the Federal Banking Agencies -The Federal Reserve Board, the Federal Deposit Insurance Corporation, and the Office of the Comptroller of the Currency are required by law to jointly submit an annual report to Congress that describes any differences among the accounting and capital standards established by the agencies for insured depository institutions. www.federalreserve.gov/publications/report-regarding-differences-in-accounting-and-capital-standards-among-the-federal-banking-agencies.htm

November 4, 2021 - Legal Interpretations - Bank Holding Company Act, October 29, 2021.  www.federalreserve.gov/supervisionreg/legalinterpretations/bhc_changeincontrol2021.htm

November 3, 2021 - Acting Comptroller of the Currency Issues Statement in Support of the NGFS Glasgow Declaration. www.occ.gov/news-issuances/news-releases/2021/nr-occ-2021-114.html

November 3, 2021 - FDIC Issues List of Banks Examined for CRA Compliance - The list covers evaluation ratings that the FDIC assigned to institutions in August 2021. www.fdic.gov/news/press-releases/2021/pr21094.html

November 3, 2021 - Federal Reserve issues FOMC statement - The Federal Reserve is committed to using its full range of tools to support the U.S. economy in this challenging time, thereby promoting its maximum employment and price stability goals. www.federalreserve.gov/newsevents/pressreleases/monetary20211103a.htm

November 3, 2021 - Federal Reserve Board issues statement in support of the Glasgow Declaration by the Network of Central Banks and Supervisors for Greening the Financial System.   www.federalreserve.gov/newsevents/pressreleases/other20211103a.htm

November 2, 2021 - NCUA Chairman Todd M. Harper Opening Remarks at the NCUA�s 2021 DEI Summit. www.ncua.gov/newsroom/speech/2021/ncua-chairman-todd-m-harper-opening-remarks-ncuas-2021-dei-summit

November 2, 2021 - FDIC Creates New Office of Minority and Community Development Banking to Support Mission-Driven Banks - Federal Deposit Insurance Corporation Chairman Jelena McWilliams today announced the creation of a new office to support the agency�s ongoing strategic and direct engagement with Minority Depository Institutions, Community Development Financial Institution banks, and other mission-driven banks. www.fdic.gov/news/press-releases/2021/pr21093.html

November 1, 2021 - Statement by the Acting Comptroller of the Currency on the Report on Stablecoins - Acting Comptroller of the Currency Michael J. Hsu issued the following statement on release of the Report on Stablecoins by the President's Working Group on Financial Markets, the Federal Deposit Insurance Corporation, and the Office of the Comptroller of the Currency: www.occ.gov/news-issuances/news-releases/2021/nr-occ-2021-112.html

November 1, 2021 - Highlight: Balance sheet growth pressures community bank capital ratios - Significant balance sheet expansion since the onset of the pandemic is driving lower capital ratios at community banks. www.kansascityfed.org/banking/community-banking-bulletin/highlight-balance-sheet-growth-pressures-community-bank-capital-ratios/

November 1, 2021 - Statistical Release - Foreign Exchange Rates - G.5 -The table below shows the average rates of exchange in OCTOBER 2021 together with comparable figures for other months. www.federalreserve.gov/releases/g5/current/default.htm