federal reserve

Federal Reserve System is the central banking system of the United States of America. It was created on December 23, 1913, with the enactment of the Federal Reserve Act, after a series of financial panics led to the desire for central control of the monetary system in order to alleviate financial crises.

Source: federalreserve.gov

Regional Banks Cut Back on Lending to Preserve Capital
Regional Banks Cut Back on Lending to Preserve Capital
July 24, 2023  |  Banking

Regional banks across the United States are reportedly deciding to cut back on lending in order to preserve capital and improve margins. Banks are unloading...

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Bitcoin Falls to Lowest Level in a Month
Bitcoin Falls to Lowest Level in a Month
July 24, 2023  |  Cryptocurrency

Bitcoin dropped to its lowest level in over a month Monday (July 24). The price of bitcoin fell sharply and suddenly at the start of...

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TCH Reports RTP Network Has Topped Half a Billion Instant Payments
TCH Reports RTP Network Has Topped Half a Billion Instant Payments
July 24, 2023  |  Faster Payments

The Clearing House (TCH) has reported that its RTP instant payments network surpassed the 500 million payment milestone on Saturday (July 22). The RTP network...

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Financial Institutions and Service Providers Welcome Launch of FedNow
Financial Institutions and Service Providers Welcome Launch of FedNow
July 20, 2023  |  Real-Time Payments

Financial institutions and payment service providers hit the ground running when the Federal Reserve launched the FedNow Service on Thursday (July 20). Many had new offerings ready to go...

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Payments Execs Debate the FedNow Launch: Instant Uptake or Tough Slog Ahead?
Payments Execs Debate the FedNow Launch: Instant Uptake or Tough Slog Ahead?
July 19, 2023  |  Faster Payments

And now comes the real test. Almost four years ago, the Federal Reserve announced that it would develop a “round the clock real time payment...

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Banks Losing Net Interest Income as Big Deposits Look Elsewhere
Banks Losing Net Interest Income as Big Deposits Look Elsewhere
July 19, 2023  |  Banking

America’s banks are under increasing pressure as their corporate and institutional clients seek greater rates on deposits. It’s a situation that is putting a strain...

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Fed Official: AI Can Promote Bias in Lending Decisions
Fed Official: AI Can Promote Bias in Lending Decisions
July 19, 2023  |  artificial intelligence

Michael Barr has become the latest regulator urging caution on the use of artificial intelligence. In a speech Tuesday (July 18), Barr — the Federal...

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Will Higher Bank Capital Requirements Give FinTechs a Lending Edge?
Will Higher Bank Capital Requirements Give FinTechs a Lending Edge?
July 17, 2023  |  Banking

Higher capital requirements may have a negative ripple effect on banks — tightening the lending spigots even further. And the winners may be the FinTechs...

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Fed’s Beige Book Sees Economic Headwinds and a Main Street Slowdown
Fed’s Beige Book Sees Economic Headwinds and a Main Street Slowdown
July 12, 2023  |  Economy

The Federal Reserve’s Beige Book offers a qualitative take on the state of the business realm, with an eight-times-a-year survey of banks and enterprises. The...

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