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.

September 30, 2024 - NCUA Prohibits Two Individuals from Participating in the Affairs of Any Federally Insured Depository Institution - The National Credit Union Administration issued one consent and one prohibition notice in September 2024. www.ncua.gov/newsroom/press-release/2024/ncua-prohibits-two-individuals-participating-affairs-any-federally-insured-depository-institution-0

September 30, 2024 - OCC Hosts Mutual Savings Association Advisory Committee Meeting October 22 - The purpose of the meeting is for the MSAAC to advise the OCC on regulatory or other changes the OCC may make to ensure the health and viability of mutual savings associations. www.occ.gov/news-issuances/news-releases/2024/nr-occ-2024-109.html

September 30, 2024 - Regulatory Reform - Discount Window Lending, 2022:Q3 - Federal Reserve lending to depository institutions plays an important role in supporting the liquidity and stability of the banking system and the effective implementation of monetary policy. www.federalreserve.gov/regreform/discount-window.htm

September 30, 2024 - Speech by Governor Bowman on monetary policy and the economic outlook At the Georgia Bankers Association President/CEO Conference, Charleston, South Carolina www.federalreserve.gov/newsevents/speech/bowman20240930a.htm

September 30, 2024 - Speech by Chair Powell on the economic outlook At the National Association for Business Economics Annual Meeting, Nashville, Tennessee www.federalreserve.gov/newsevents/speech/powell20240930a.htm

September 27, 2024 - Tenth District Services Activity Eased Slightly in September - District services activity moderated somewhat in September as revenues were flat but employment decreased modestly. www.kansascityfed.org/surveys/services-survey/tenth-district-services-activity-eased-slightly-in-september/

September 27, 2024 - New Small Business Lending Declines as Credit Standards Continue to Tighten - In the second quarter, new small business lending decreased by 9.0 percent when compared to the same period in 2023 and 2.0 percent when compared to the previous quarter. www.kansascityfed.org/surveys/small-business-lending-survey/new-small-business-lending-declines-as-credit-standards-continue-to-tighten/

September 27, 2024 - Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Vermont Affected by Severe Storms, Flooding, Landslides, and Mudslides.  www.fdic.gov/news/financial-institution-letters/2024/guidance-help-financial-institutions-and-facilitate-25

September 27, 2024 - Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Georgia Affected by Tropical Storm Debby.   www.fdic.gov/news/financial-institution-letters/2024/guidance-help-financial-institutions-and-facilitate-24

September 27, 2024 - FDIC Makes Public August Enforcement Actions - The FDIC issued eight Orders in August 2024. www.fdic.gov/news/press-releases/2024/fdic-makes-public-august-enforcement-actions

September 27, 2024 - Credit and Liquidity Programs and the Balance Sheet. www.federalreserve.gov/monetarypolicy/bst_recenttrends.htm

September 27, 2024 - Disagreement About the Term Structure of Inflation Expectations - We develop a model of the individual term structure of inflation expectations across forecasting horizons. www.federalreserve.gov/econres/feds/disagreement-about-the-term-structure-of-inflation-expectations.htm

September 26, 2024 - OCC Allows National Banks and Federal Savings Associations in North Carolina, South Carolina and Virginia Affected by Hurricane Helene to Close www.occ.gov/news-issuances/news-releases/2024/nr-occ-2024-108.html

September 26, 2024 - Rising Auto Loan Delinquencies and High Monthly Payments - Delinquency rates on auto loans rose substantially to above pre-pandemic levels by the end of 2023, after falling to historical lows during the COVID-19 pandemic. www.federalreserve.gov/econres/notes/feds-notes/rising-auto-loan-delinquencies-and-high-monthly-payments-20240926.html

September 26, 2024 - Surveys and Reports - Senior Credit Officer Opinion Survey on Dealer Financing Terms, September 2024 - The Senior Credit Officer Opinion Survey on Dealer Financing Terms is a quarterly survey providing information about the availability and terms of credit in securities financing and over-the counter derivatives markets. www.federalreserve.gov/data/scoos.htm

September 25, 2024 - Powering Up: The Surging Demand for Electricity - After years of stagnant growth, U.S. electricity demand recently surged. www.kansascityfed.org/research/economic-bulletin/powering-up-the-surging-demand-for-electricity/
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September 26, 2024 - Speech by Chair Jerome H. Powell - Opening Remarks At the 10th Annual U.S. Treasury Market Conference, Federal Reserve Bank of New York, New York, New York.  www.federalreserve.gov/newsevents/speech/powell20240926a.htm

September 26, 2024 - Speech by Governor Bowman on the economic outlook and monetary policy At the Mid-Size Bank Coalition of America Board of Directors Workshop, Dallas, Texas. 
www.federalreserve.gov/newsevents/speech/bowman20240926a.htm

September 26, 2024 - Speech by Vice Chair for Supervision Barr on supervision and regulation At the 2024 U.S. Treasury Market Conference, Federal Reserve Bank of New York, New York, New York. www.federalreserve.gov/newsevents/speech/barr20240926a.htm

September 25, 2024 - Acting Comptroller Discusses Financial Inclusion - Acting Comptroller of the Currency Michael J. Hsu today discussed the importance of financial inclusion in remarks at the Inclusive Finance for Development: 15 Years of Impact event in New York City hosted by United Nations Secretary-General�s Special Advocate for Inclusive Finance for Development. www.occ.gov/news-issuances/news-releases/2024/nr-occ-2024-107.html 

September 25, 2024 - OCC Allows National Banks and Federal Savings Associations in Alabama, Florida, Georgia and Tennessee Affected by Hurricane Helene to Close. www.occ.gov/news-issuances/news-releases/2024/nr-occ-2024-106.html

September 25, 2024 - Statistical Release - Finance Companies - G.20 - The Board of Governors of the Federal Reserve System and the Federal Reserve Bank of St. Louis's Federal Reserve Economic Data program are working together to expand options for finding, accessing, and visualizing data from the Board's Data Download Program in FRED. www.federalreserve.gov/releases/g20/current/default.htm

September 25, 2024 - Speech by Governor Kugler on the economic outlook At the Mossavar-Rahmani Center for Business and Government, Harvard Kennedy School, Cambridge, Massachusetts. 
www.federalreserve.gov/newsevents/speech/kugler20240925a.htm

September 24, 2024 - OCC Reports Second Quarter 2024 Bank Trading Revenue - The Office of the Comptroller of the Currency reported cumulative trading revenue of U.S. commercial banks and savings associations of $15.8 billion in the second quarter of 2024. www.occ.gov/news-issuances/news-releases/2024/nr-occ-2024-105.html

September 24, 2024 - FDIC Appoints Jennifer Schoen as Director of the Division of Administration - In this role, Ms. Schoen will oversee a wide range of administrative services in support of the FDIC�s business activities, including the operation and management of FDIC facilities, personnel and physical security programs, and acquisition services. www.fdic.gov/news/press-releases/2024/fdic-appoints-jennifer-schoen-director-division-administration

September 24, 2024 - Are Manufacturing Jobs Still Good Jobs? An Exploration of the Manufacturing Wage Premium - This paper explores the factors behind the disappearance of the manufacturing wage premium�the additional pay a manufacturing worker earns relative to a comparable nonmanufacturing worker. www.federalreserve.gov/econres/feds/are-manufacturing-jobs-still-good-jobs-an-exploration-of-the-manufacturing-wage-premium.htm 

September 24, 2024 - Information Technology in Banking and Entrepreneurship - We study the importance of information technology in banking for entrepreneurship. www.federalreserve.gov/econres/feds/information-technology-in-banking-and-entrepreneurship.htm

September 24, 2024 - More Tax, Less Refi? The Mortgage Interest Deduction and Monetary Policy Pass-Through - We study how the mortgage interest deduction affects refinancing. www.federalreserve.gov/econres/feds/more-tax-less-refi-the-mortgage-interest-deduction-and-monetary-policy-pass-through.htm

September 24, 2024 - Statistical Release - Money Stock Measures - H.6.  www.federalreserve.gov/releases/h6/current/default.htm

September 24, 2024 - Speech by Governor Bowman on monetary policy and the economic outlook At the 2024 Kentucky Bankers Association Annual Convention, Hot Springs, Virginia.  www.federalreserve.gov/newsevents/speech/bowman20240924a.htm

September 23, 2024 - Chicago Fed President and CEO Austan Goolsbee engaged in a keynote conversation on monetary policy and the U.S. economy on Sept. 23, 2024, at the annual NAST meeting at Swissotel Chicago. www.chicagofed.org/publications/speeches/2024/sept-23-national-association-state-treasurers

September 23, 2024 - Arepas are not Tacos: On the Labor Markets of Latin America - This paper examines labor markets across Latin American countries, revealing substantial differences in unemployment, informality, and worker transitions. www.federalreserve.gov/econres/ifdp/arepas-are-not-tacos-on-the-labor-markets-of-latin-america.htm

September 23, 2024 - Dealer Balance Sheet Constraints Evidence from Dealer-Level Data across Repo Market Segments - Dealer Balance Sheet Constraints Evidence from Dealer-Level Data across Repo Market Segments www.federalreserve.gov/econres/notes/feds-notes/dealer-balance-sheet-constraints-evidence-from-dealer-level-data-across-repo-market-segments-20240923.html

September 23, 2024 - Statement by Governor Michelle W. Bowman - On Wednesday, September 18, 2024, I dissented from the Federal Open Market Committee's decision to lower the target range for the federal funds rate by 1/2 percentage point to 4-3/4 to 5 percent. www.federalreserve.gov/newsevents/speech/bowman20240920a.htm

September 23, 2024 - Federal Reserve Board announces it will host the 2nd Thomas Laubach Research Conference on May 15-16, 2025 - The conference will highlight research focusing on monetary policy and the economy. www.federalreserve.gov/newsevents/pressreleases/other20240920a.htm

September 20, 2024 - Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Louisiana Affected by Hurricane Francine.  www.fdic.gov/news/financial-institution-letters/2024/guidance-help-financial-institutions-and-facilitate-21

September 20, 2024 - FDIC Releases Results of Summary of Deposits Annual Survey - The FDIC�s Summary of Deposits provides deposit totals for each of the more than 76,000 domestic offices operated by more than 4,500 FDIC-insured commercial and savings banks, savings associations, and U.S. branches of foreign banks. www.fdic.gov/news/press-releases/2024/fdic-releases-results-summary-deposits-annual-survey

September 20, 2024 - Federal Reserve Board announces it will host the 2nd Thomas Laubach Research Conference on May 15-16, 2025 - The conference will highlight research focusing on monetary policy and the economy. www.federalreserve.gov/newsevents/pressreleases/other20240920a.htm

September 20, 2024 - The Evolution of the Federal Reserve's Agency MBS Holdings - The Federal Reserve utilized its balance sheet as a monetary policy tool in response to the Global Financial Crisis and the COVID-19 pandemic, acquiring large quantities of Treasury and agency securities. www.federalreserve.gov/econres/notes/feds-notes/the-evolution-of-the-federal-reserves-agency-mbs-holdings-20240920.html

September 20, 2024 - Financial Conditions and Risks to the Economic Outlook - Financial conditions have swung considerably over the past two and half years. www.federalreserve.gov/econres/notes/feds-notes/financial-conditions-and-risks-to-the-economic-outlook-20240920.html

September 20, 2024 - Legal Interpretations - Bank Holding Company Act, August 26, 2024. www.federalreserve.gov/supervisionreg/legalinterpretations/bhc_changeincontrol2024.htm 

September 20, 2024 - Regulatory Reform - Communications with the public through September 20, 2024. www.federalreserve.gov/regreform/communications-with-public.htm

September 20, 2024 - Credit and Liquidity Programs and the Balance Sheet - Recent balance sheet trends, weekly chart update. www.federalreserve.gov/monetarypolicy/bst_recenttrends.htm

September 20, 2024 - Nonlinear Effects of Loan-to-Value Constraints - This paper investigates the impact of loan-to-value borrowing constraints in models with occasionally binding credit constraints. www.federalreserve.gov/econres/feds/nonlinear-effects-of-loan-to-value-constraints.htm

September 20, 2024 - Who is Minding the Store? Order Routing and Competition in Retail Trade Execution - Using 150,000 actual trades, we study the U.S. equity retail broker-wholesaler market, focusing on brokers� order routing and competition among wholesalers. www.federalreserve.gov/econres/feds/who-is-minding-the-store-order-routing-and-competition-in-retail-trade-execution.htm

September 20, 2024 - Social Security and High-Frequency Labor Supply: Evidence from Uber Drivers - We estimate the impact of anticipated transfers on labor supply using confidential driver-level data from Uber.  www.federalreserve.gov/econres/feds/social-security-and-high-frequency-labor-supply-evidence-from-uber-drivers.htm

September 20, 2024 - The Inflation Accelerator - We develop a tractable sticky price model in which the fraction of price changes evolves endogenously over time and, consistent with the evidence, increases with inflation. www.federalreserve.gov/econres/feds/the-inflation-accelerator.htm

September 20, 2024 - Mortgage Design, Repayment Schedules, and Household Borrowing - How does the design of debt repayment schedules affect household borrowing? www.federalreserve.gov/econres/feds/mortgage-design-repayment-schedules-and-household-borrowing.htm

September 20, 2024 - Nonlinear Dynamics in Menu Cost Economies? Evidence from U.S. Data - We show that standard menu cost models cannot simultaneously reproduce the dispersion in the size of micro-price changes and the extent to which the fraction of price changes increases with inflation in the U.S. time-series. www.federalreserve.gov/econres/feds/nonlinear-dynamics-in-menu-cost-economies-evidence-from-u-s-data.htm

September 20, 2024 - Explaining Machine Learning by Bootstrapping Partial Marginal Effects and Shapley Values - Machine learning www.federalreserve.gov/econres/feds/explaining-machine-learning-by-bootstrapping-partial-marginal-effects-and-shapley-values.htm

September 20, 2024 - High-Growth Firms in the United States: Key Trends and New Data Opportunities - Using administrative data from the U.S. Census Bureau, we introduce a new public-use database that tracks activities across firm growth distributions over time. www.federalreserve.gov/econres/feds/high-growth-firms-in-the-united-states-key-trends-and-new-data-opportunities.htm 

September 20, 2024 - What Does the Beveridge Curve Tell Us about the Likelihood of Soft Landings? - Any assessment of the likelihood and characteristics of a soft landing in the labor market should take into account the current state of the labor market and the likely dynamics in the labor market going forward. www.federalreserve.gov/econres/feds/what-does-the-beveridge-curve-tell-us-about-the-likelihood-of-soft-landings.htm 

September 20, 2024 - Statement by Governor Michelle W. Bowman - On Wednesday, September 18, 2024, I dissented from the Federal Open Market Committee's decision to lower the target range for the federal funds rate by 1/2 percentage point to 4-3/4 to 5 percent. www.federalreserve.gov/newsevents/speech/bowman20240920a.htm

September 20, 2024 - Federal Reserve Board announces it will host the 2nd Thomas Laubach Research Conference on May 15-16, 2025.  www.federalreserve.gov/newsevents/pressreleases/other20240920a.htm

September 19, 2024 - National Association of State Treasurers Annual Conference - Chicago Fed President and CEO Austan Goolsbee will engage in a keynote conversation on monetary policy and the U.S. economy on Sept. 23, 2024, at the annual NAST meeting taking place at Swissotel Chicago. www.chicagofed.org/publications/speeches/2024/sept-23-national-association-state-treasurers

September 19, 2024 - Board Approves Final Rules on Fair Hiring in Banking and Simplification of Share Insurance for Trust Accounts - The NCUA Board unanimously approved a final rule that codifies Section 205(d) of the Federal Credit Union Act and incorporates the NCUA�s Second Chance Interpretive Ruling and Policy Statement and the Fair Hiring in Banking Act into the agency�s regulations. www.ncua.gov/newsroom/press-release/2024/board-approves-final-rules-fair-hiring-banking-and-simplification-share-insurance-trust-accounts 

September 19, 2024 - OCC Announces Enforcement Actions for September 2024 - The Office of the Comptroller of the Currency today released enforcement actions taken against national banks and federal savings associations, and individuals currently and formerly affiliated with banks the OCC supervises. www.occ.gov/news-issuances/news-releases/2024/nr-occ-2024-104.html

September 19, 2024 - Regulatory Reform - Communications with the public through September 19, 2024.  www.federalreserve.gov/regreform/communications-with-public.htm

September 19, 2024 - Federal Reserve Board announces termination of enforcement action with Community Bankshares, Inc.  www.federalreserve.gov/newsevents/pressreleases/enforcement20240919a.htm
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September 18, 2024 - OCC Reports Mortgage Performance for Second Quarter of 2024 - The Office of the Comptroller of the Currency reported on the performance of first-lien mortgages in the federal banking system during the second quarter of 2024. www.occ.gov/news-issuances/news-releases/2024/nr-occ-2024-103.html

September 18, 2024 - Federal Reserve Board and Federal Open Market Committee release economic projections from the September 17-18 FOMC meeting.   www.federalreserve.gov/monetarypolicy/files/fomcprojtabl20240918.pdf

September 18, 2024 - Federal Reserve issues FOMC statement - Recent indicators suggest that economic activity has continued to expand at a solid pace. Job gains have slowed, and the unemployment rate has moved up but remains low. www.federalreserve.gov/newsevents/pressreleases/monetary20240918a.htm

September 17, 2024 - Acting Comptroller Issues Statements at FDIC Board Meeting on Bank Merger Policy and Recordkeeping - Acting Comptroller of the Currency Michael J. Hsu issued statements at today�s Federal Deposit Insurance Corporation board meeting regarding bank merger policy and a notice of proposed rulemaking on depository institutions� recordkeeping for custodial deposit accounts with transactional features. www.occ.gov/news-issuances/news-releases/2024/nr-occ-2024-102.html

September 17, 2024 - OCC Approves Final Rule and Policy Statement on Bank Mergers - The Office of the Comptroller of the Currency today approved a final rule updating its regulations for business combinations involving national banks and federal savings associations and a policy statement clarifying its review of applications under the Bank Merger Act. www.occ.gov/news-issuances/news-releases/2024/nr-occ-2024-101.html

September 17, 2024 - Requirements for Custodial Deposit Accounts with Transactional Features and Prompt Payment of Deposit Insurance to Depositors - The Federal Deposit Insurance Corporation issued for public comment a notice of proposed rulemaking to strengthen FDIC-insured depository institutions� recordkeeping for custodial deposit accounts with transactional features and preserve beneficial owners� and depositors� entitlement to the protections afforded by federal deposit insurance. www.fdic.gov/news/financial-institution-letters/2024/requirements-custodial-deposit-accounts-transactional

September 17, 2024 - FDIC Board of Directors Approves Final Statement of Policy on Bank Merger Transactions - The Final SOP addresses the scope of transactions subject to FDIC approval, the FDIC�s process for evaluating merger applications, and the principles that guide the FDIC�s consideration of the applicable statutory factors as set forth in the Bank Merger Act. www.fdic.gov/news/press-releases/2024/fdic-board-directors-approves-final-statement-policy-bank-merger

September 17, 2024 - FDIC Proposes Deposit Insurance Recordkeeping Rule for Banks� Third-Party Accounts - The Federal Deposit Insurance Corporation Board of Directors today approved a notice of proposed rulemaking that would strengthen recordkeeping for bank deposits received from third party, non-bank companies accepting those deposits on behalf of consumers and businesses. www.fdic.gov/news/press-releases/2024/fdic-proposes-deposit-insurance-recordkeeping-rule-banks-third-party

September 17, 2024 - Statistical Release - Industrial Production and Capacity Utilization - G.17 - In August, industrial production rose 0.8 percent after falling 0.9 percent in July. www.federalreserve.gov/releases/g17/Current/

September 16, 2024 - NCUA Releases Q2 2024 State-Level Credit Union Data Report - Total assets, shares and deposits, and membership at federally insured credit unions declined at the median over the year ending in the second quarter of 2024, while loans outstanding increased, according to the latest Quarterly U.S. Map Review released today by the National Credit Union Administration. www.ncua.gov/newsroom/press-release/2024/ncua-releases-q2-2024-state-level-credit-union-data-report

September 16, 2024 - St. Louis Fed�s Economy Museum Celebrates 10th Anniversary - The Economy Museum at the Federal Reserve Bank of St. Louis celebrates its 10th anniversary on Sept. 22, with special economic lessons, tips on how to spot counterfeit money and more. www.stlouisfed.org/news-releases/2024/09/museum-celebrates-10-year-anniversary

September 13, 2024 - Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Pennsylvania Affected by Tropical Storm Debby.  www.fdic.gov/news/financial-institution-letters/2024/guidance-help-financial-institutions-and-facilitate-20

September 13, 2024 - Credit and Liquidity Programs and the Balance Sheet.  www.federalreserve.gov/monetarypolicy/bst_recenttrends.htm

September 13, 2024 - Agencies extend comment period on request for information on bank-fintech arrangements - The federal bank regulatory agencies announced today that they will extend until October 30, 2024, the comment period on a request for information on bank-fintech arrangements involving banking products and services.
Press release: www.federalreserve.gov/newsevents/pressreleases/bcreg20240913a.htm
Press Release: www.fdic.gov/news/press-releases/2024/agencies-extend-comment-period-request-information-bank-fintech
Press Release: www.occ.gov/news-issuances/news-releases/2024/nr-ia-2024-100.html

September 12, 2024 - OCC Issues Enforcement Action Against Wells Fargo Bank - The Formal Agreement identifies deficiencies relating to the bank�s financial crimes risk management practices and anti-money laundering internal controls in several areas including suspicious activity and currency transaction reporting, customer due diligence, and the bank�s customer identification and beneficial ownership programs. www.occ.gov/news-issuances/news-releases/2024/nr-occ-2024-99.html
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September 12, 2024 - Statistical Release - Financial Accounts of the United States - Z.1 - The Financial Accounts of the United States includes data on transactions and levels of financial assets and liabilities, by sector and financial instrument; full balance sheets, including net worth, for households and nonprofit organizations, nonfinancial corporate businesses, and nonfinancial noncorporate businesses; Integrated Macroeconomic Accounts; and additional supplemental detail. www.federalreserve.gov/releases/z1/

September 11, 2024 - Report and Disclosures on Funding, Credit, Liquidity, and Loan Facilities - 2024 Reports to Congress Pursuant to Section 13(3) of the Federal Reserve Act in response to COVID-19.   www.federalreserve.gov/default.htm

September 11, 2024 - Report to Congress Pursuant to Section 13(3) of the Federal Reserve Act: Bank Term Funding Program.  www.federalreserve.gov/publications/reports-to-congress-pursuant-to-section-13-3-btfp.htm

September 11, 2024 - Federal Reserve Board issues enforcement action with Fieldpoint Private Holdings, Inc. and Fieldpoint Private Bank and Trust.   www.federalreserve.gov/newsevents/pressreleases/enforcement20240911a.htm 

September 10, 2024 - OCC Allows National Banks and Federal Savings Associations in Alabama, Louisiana, Mississippi and Texas Affected by Tropical Storm Francine to Close.  www.occ.gov/news-issuances/news-releases/2024/nr-occ-2024-98.html

September 10, 2024 - Speech by Vice Chair for Supervision Barr on the Basel III endgame At the Brookings Institution, Washington, D.C. www.federalreserve.gov/newsevents/speech/barr20240910a.htm

September 10, 2024 - Speech by Governor Bowman on the future of stress testing and the stress capital buffer framework At the Executive Council of the Banking Law Section of the Federal Bar Association, Washington, D.C. www.federalreserve.gov/newsevents/speech/bowman20240910a.htm

September 6, 2024 - AgLetter Insights: Tightening Conditions Characterize Regional Agriculture in Second Quarter - Economic conditions for agriculture continued to tighten in the Federal Reserve Bank of Chicago�s five-state District, with farmland value increases slowing again and credit challenges growing. www.chicagofed.org/publications/chicago-fed-insights/2024/august-agletter-insights

September 6, 2024 - Inside the Chicago Fed: Preparing the President for FOMC Meetings - Eight times a year, Federal Reserve Bank of Chicago President Austan Goolsbee travels to Washington, DC, for a meeting of the Federal Open Market Committee, the arm of the Federal Reserve that sets U.S. monetary policy. www.chicagofed.org/publications/chicago-fed-insights/2024/inside-chicago-fed-preparing-president-for-fomc

September 6, 2024 - Credit and Liquidity Programs and the Balance Sheet - Recent balance sheet trends, weekly chart update.  www.federalreserve.gov/monetarypolicy/bst_recenttrends.htm

September 6, 2024 - FOIA - Chair Powell's calendar, July 2024.  www.federalreserve.gov/foia/chairman-powell-calendar.htm

September 6, 2024 - Speech by Governor Waller on the economic outlook At the University of Notre Dame, Notre Dame, Indiana.  www.federalreserve.gov/newsevents/speech/waller20240906a.htm

September 5, 2024 - Credit Union Assets and Loans Grow, Delinquencies Increase, Net Income Down - According to the latest financial performance data released today by the National Credit Union Administration, total assets in federally insured credit unions rose by $79 billion, or 3.5 percent, over the year ending in the second quarter of 2024 to $2.3 trillion. www.ncua.gov/newsroom/press-release/2024/credit-union-assets-and-loans-grow-delinquencies-increase-net-income-down 

September 5, 2024 - Register Now for the 2024 Community Banking Research Conference, Oct. 2-3 - Community bankers, academics, policymakers and bank supervisors will meet Oct. 2-3 for the 12th annual Community Banking Research Conference in-person at the Federal Reserve Bank of St. Louis. www.stlouisfed.org/news-releases/2024/09/register-now-for-the-2024-community-banking-research-conference

September 5, 2024 - Sunset of FFIEC Cybersecurity Assessment Tool - The Federal Financial Institutions Examination Council issued a statement to communicate the August 31, 2025, sunset of the FFIEC Cybersecurity Assessment Tool. www.fdic.gov/news/financial-institution-letters/2024/sunset-ffiec-cybersecurity-assessment-tool

September 5, 2024 - Federal Reserve Board requests comment around operational practices of the discount window - The Federal Reserve Board on Thursday requested public input around the operational practices of the discount window, which provides short-term credit for banks and credit unions. www.federalreserve.gov/newsevents/pressreleases/bcreg20240905a.htm
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September 5, 2024 - FFIEC Information Technology Examination Handbook: New Development, Acquisition, and Maintenance Booklet - The Federal Financial Institutions Examination Council issued the �Development, Acquisition, and Maintenance� booklet, which is part of the FFIEC Information Technology Examination Handbook. www.occ.treas.gov/news-issuances/bulletins/2024/bulletin-2024-26.html

September 5, 2024 - Investment Connection - Colorado 2024 - Presentations on eight new and existing community and economic development proposals from across Colorado will be shared. www.kansascityfed.org/events/investment-connection-co-09-12-2024/

September 5, 2024 - Sunset of FFIEC Cybersecurity Assessment Tool - The Federal Financial Institutions Examination Council issued a statement to communicate the August 31, 2025, sunset of the FFIEC Cybersecurity Assessment Tool. www.fdic.gov/news/financial-institution-letters/2024/sunset-ffiec-cybersecurity-assessment-tool

September 5, 2024 - FDIC-Insured Institutions Reported Net Income of $71.5 Billion - Reports from 4,539 commercial banks and savings institutions insured by the Federal Deposit Insurance Corporation reported aggregate net income of $71.5 billion in second quarter 2024, an increase of $7.3 billion (11.4 percent) from the prior quarter. www.fdic.gov/news/press-releases/2024/fdic-insured-institutions-reported-net-income-715-billion

September 4, 2024 - NCUA Awards Over $3.5 Million in Community Development Revolving Loan Fund Grants - he National Credit Union Administration today announced awards of more than $3.5 million in Community Development Revolving Loan Fund grants to 135 low-income-designated credit unions. www.ncua.gov/newsroom/press-release/2024/ncua-awards-over-35-million-community-development-revolving-loan-fund-grants 

September 4, 2024 - OCC Hosts Minority Depository Institutions Advisory Committee Meeting September 24 - The meeting, which will be hosted in person and virtually, is open to the public and will begin at 8:30 a.m. Eastern Daylight Time.  www.occ.gov/news-issuances/news-releases/2024/nr-occ-2024-97.html

September 4, 2024 - FDIC Board Selects Boston Consulting Group to Advise on Workplace Culture Initiatives - The Federal Deposit Insurance Corporation Board of Directors today selected Boston Consulting Group Federal Corporation to advise and assist the agency as it implements its Action Plan for a Safe, Fair, and Inclusive Work Environment, which includes recommendations from a separate independent third-party review and the FDIC Office of the Inspector General. www.fdic.gov/news/press-releases/2024/fdic-board-selects-boston-consulting-group-advise-workplace-culture

September 4, 2024 - FDIC Issues List of Banks Examined for CRA Compliance - The list covers evaluation ratings that the FDIC assigned to institutions in June 2024. www.fdic.gov/news/press-releases/2024/fdic-issues-list-banks-examined-cra-compliance-3

September 4, 2024 - Introducing a Credit Bureau-Based Measure of U.S. Household Debt Service - Each quarter, the Board publishes an estimate of the ratio of aggregate required household debt service payments to income. www.federalreserve.gov/econres/notes/feds-notes/introducing-a-credit-bureau-based-measure-of-u-s-household-debt-service-20240904.html

September 4, 2024 - Nonlinear Phillips Curves - The Phillips curve is a key element of the New-Keynesian macroeconomic model and is critical in how central banks think of the macroeconomy. www.federalreserve.gov/econres/notes/feds-notes/nonlinear-phillips-curves-20240904.html

September 4, 2024 - Beige Book - Informal review by the Federal Reserve Banks of current economic conditions in their Districts.  www.federalreserve.gov/monetarypolicy/publications/beige-book-default.htm

September 4, 2024 - Federal Reserve Board issues enforcement actions with First Interstate Bank and United Texas Bank.   www.federalreserve.gov/newsevents/pressreleases/enforcement20240904a.htm

September 3, 2024 - OCC Releases CRA Evaluations for 17 National Banks and Federal Savings Associations - The Office of the Comptroller of the Currency today released a list of Community Reinvestment Act performance evaluations that became public during the period of August 1, 2024, through August 31, 2024. www.occ.gov/news-issuances/news-releases/2024/nr-occ-2024-96.html

September 3, 2024 - Acting Comptroller Discusses the Evolution of Bank Supervision - Acting Comptroller of the Currency Michael J. Hsu today discussed the evolution of bank supervision during a presentation at the Joint European Banking Authority and European Central Bank International Conference in Frankfurt, Germany. www.occ.gov/news-issuances/news-releases/2024/nr-occ-2024-95.html

September 3, 2024 - Convenience Yield as a Driver - The natural rate of interest, corresponds to the short-term real interest rate that is consistent with full employment and price stability, after all temporary shocks have abated. www.federalreserve.gov/econres/notes/feds-notes/convenience-yield-as-a-driver-of-r-20240903.html

September 3, 2024 - The Treasury Tantrum of 2023 - This FEDS note investigates the rise and fall of the 10-year Treasury yield during the second half of 2023, offering a detailed decomposition of the yield changes into expectations and term premiums through various models and surveys. www.federalreserve.gov/econres/notes/feds-notes/the-treasury-tantrum-of-2023-20240903.html