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223            <h1 class="jumbotron__heading">Board of Governors of the Federal Reserve System
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226                <em>The Federal Reserve, the central bank of the United States, provides
227          the nation with a safe, flexible, and stable monetary and financial
228          system.</em>
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264                            <li>
265                                <a class="sr-only-focusable" href="/aboutthefed/fedexplained/who-we-are.htm">Structure of the Federal Reserve System</a>
266                            </li>
267
268                            <li>
269                                <a class="sr-only-focusable" href="/aboutthefed/the-fed-explained.htm">The Fed Explained</a>
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280                            <li>
281                                <a class="sr-only-focusable" href="/aboutthefed/federal-reserve-system.htm">Federal Reserve Banks</a>
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283                            <li>
284                                <a class="sr-only-focusable" href="/aboutthefed/directors/about.htm">Federal Reserve Bank and Branch Directors</a>
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286
287                            <li>
288                                <a class="sr-only-focusable" href="/aboutthefed/fract.htm">Federal Reserve Act</a>
289                            </li>
290
291                            <li>
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293                            </li>
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296                            <li>
297                                <a class="sr-only-focusable" href="/aboutthefed/boardmeetings/meetingdates.htm">Board Meetings</a>
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299
300                            <li>
301                                <a class="sr-only-focusable" href="/aboutthefed/boardvotes.htm">Board Votes</a>
302                            </li>
303
304                            
305
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308                            </li>
309
310                            <li>
311                                <a class="sr-only-focusable" href="/aboutthefed/procurement/tips.htm">Do Business with the Board</a>
312                            </li>
313
314                            <li>
315                                <a class="sr-only-focusable" href="/aboutthefed/k8.htm">Holidays Observed - K.8</a>
316                            </li>
317                            <li>
318                                <a class="sr-only-focusable" href="/aboutthefed/ethics-values.htm">Ethics & Values</a>
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335                                <a class="sr-only-focusable" href="/aboutthefed/educational-tools/default.htm">Economic Education</a>
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337
338                            <li>
339                                <a class="sr-only-focusable" href="/aboutthefed/fed-financial-statements.htm">Fed Financial Statements</a>
340                            </li>
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342                            <li>
343                                <a class="sr-only-focusable" href="/aboutthefed/financial-innovation.htm">Financial Innovation</a>
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358ches-testimony.htm">Speeches & Testimony</a>
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382                                <p>
383                                    <strong>Federal Open Market Committee</strong>
384                                </p>
385                            </li>
386
387                            <li>
388                                <a class="sr-only-focusable" href="/monetarypolicy/fomc.htm">About the FOMC</a>
389                            </li>
390
391                            <li>
392                                <a class="sr-only-focusable" href="/monetarypolicy/fomccalendars.htm">Meeting calendars and information</a>
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394
395                            <li>
396                                <a class="sr-only-focusable" href="/monetarypolicy/fomc_historical.htm">Transcripts and other historical materials</a>
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402
403                            <li class="nav__header">
404                                <p>
405                                    <strong>Monetary Policy Principles and Practice</strong>
406                                </p>
407                            </li>
408
409                            <li>
410                                <a class="sr-only-focusable" href="/monetarypolicy/monetary-policy-principles-and-practice.htm">Notes</a>
411                            </li>
412                        </ul>
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415                                <p>
416                                    <strong>Policy Implementation</strong>
417                                </p>
418                            </li>
419
420                            <li>
421                                <a class="sr-only-focusable" href="/monetarypolicy/policy-normalization.htm">Policy Normalization</a>
422                            </li>
423
424                            <li>
425                                <a class="sr-only-focusable" href="/monetarypolicy/policytools.htm">Policy Tools</a>
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427
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429                                <p>
430                                    <strong>Reports</strong>
431                                </p>
432                            </li>
433
434                            <li>
435                                <a class="sr-only-focusable" href="/monetarypolicy/publications/mpr_default.htm">Monetary Policy Report</a>
436                            </li>
437
438                            <li>
439                                <a class="sr-only-focusable" href="/monetarypolicy/publications/beige-book-default.htm">Beige Book</a>
440                            </li>
441
442                            <li>
443                                <a class="sr-only-focusable" href="/monetarypolicy/publications/balance-sheet-developments-report.htm">Federal Reserve Balance Sheet Developments</a>
444                            </li>
445
446                            <li class="nav__header">
447                                <p>
448                                    <strong>Review of Monetary Policy Strategy, Tools, and Communications</strong>
449                                </p>
450                            </li>
451
452                            <li>
453                                <a class="sr-only-focusable" href="/monetarypolicy/review-of-monetary-policy-strategy-tools-and-communications-2025.htm">Overview</a>
454                            </li>
455                        </ul>
456                    </div>
457                </li>
458            </ul>
459        </li>
460
461        <li role="menuitem" class="dropdown nav-supervision dropdown--fw">
462    <a href="/supervisionreg.htm" class="sr-only-focusable" id="supervisionMenu"
463        aria-haspopup="true">Supervision<br />& Regulation</a>
464    <ul aria-labelledby="supervisionMenu" role="menu" class="dropdown-menu sub-nav-group navmenu-nav">
465        <li>
466            <div class="row">
467                <ul class="col-sm-3 col-nav list-unstyled">
468                    <li class="nav__header">
469                        <p>
470                            <strong>Supervision</strong>
471                        </p>
472                    </li>
473
474                    <li>
475                        <a class="sr-only-focusable" href="/supervisionreg/community-banks.htm">
476                            Community Banks</a>
477                    </li>
478                    <li>
479                        <a class="sr-only-focusable" href="/supervisionreg/regional-and-small-foreign-banks.htm">
480                            Regional Banks and Foreign Banks with U.S. Assets < $100 Billion</a>
481                    </li>
482                    <li>
483                        <a class="sr-only-focusable" href="/supervisionreg/large-banks-and-large-foreign-banks.htm">
484                            Large Banks and Large Foreign Banks</a>
485                    </li>
486                    <li>
487                        <a class="sr-only-focusable" href="/supervisionreg/global-systemically-important-banks.htm">
488                            Global Systemically Important Banks</a>
489                    </li>
490
491                    <li>
492                        <a class="sr-only-focusable" href="/supervisionreg/financial-market-utility-supervision.htm">Financial Market
493                            Utilities</a>
494                    </li>
495
496                    <li>
497                        <a class="sr-only-focusable" href="/supervisionreg/consumer-compliance.htm">Consumer
498                            Compliance</a>
499                    </li>
500
501                    <li>
502                        <a class="sr-only-focusable" href="/supervisionreg/resources-for-supervised-institutions.htm">
503                            Resources for Supervised Institutions</a>
504                    </li>
505
506                    
507
508                    <li class="nav__header">
509                        <p>
510                            <strong>Reports</strong>
511                        </p>
512                    </li>
513
514                    <li>
515                        <a class="sr-only-focusable" href="/publications/supervision-and-regulation-report.htm">Federal Reserve
516                            Supervision and Regulation Report</a>
517                    </li>
518                </ul>
519                <ul class="col-sm-3 list-unstyled col-nav">
520                    <li class="nav__header">
521                        <p>
522                            <strong>Reporting Forms</strong>
523                        </p>
524                    </li>
525                    <li>
526                        <a class="sr-only-focusable" href="/apps/reportingforms/recentupdates">Recent Reporting Form Updates</a>
527                    </li>
528
529                    <li>
530                        <a class="sr-only-focusable" href="/apps/reportingforms/home/review">Information Collections
531                            Under Review</a>
532                    </li>
533
534                    <li>
535                        <a class="sr-only-focusable" href='/apps/ReportingForms/?reportTypesIdsJson=["1"]'>Financial
536                            Statements</a>
537                    </li>
538                    <li>
539                        <a class="sr-only-focusable" href='/apps/ReportingForms/?reportTypesIdsJson=["7"]'>Securities Exchange Act of 1934</a>
540                    </li>
541
542                    <li>
543                        <a class="sr-only-focusable"
544                            href='/apps/ReportingForms/?reportTypesIdsJson=["2"]'>Applications/Structure Change</a>
545                    </li>
546
547                    <li>
548                        <a class="sr-only-focusable" href='/apps/ReportingForms/?reportTypesIdsJson=["3"]'>FFIEC</a>
549                    </li>
550
551                    <li>
552                        <a class="sr-only-focusable" href='/apps/ReportingForms/?reportTypesIdsJson=["8"]'>Municipal and
553                            Government Securities</a>
554                    </li>
555                    <li>
556                        <a class="sr-only-focusable" href='/apps/ReportingForms/?reportTypesIdsJson=["9"]'>Activities Monitoring</a>
557                    </li>
558                    <li>
559                        <a class="sr-only-focusable" href='/apps/mdrm/'>Micro Data Reference Manual</a>
560                    </li>
561
562                     
563
564                </ul>
565
566
567
568
569                <ul class="col-sm-3 list-unstyled col-nav">
570
571<li class="nav__header">
572                        <p>
573                            <strong>Legal Developments</strong>
574                        </p>
575                    </li>
576
577                    <li>
578                        <a class="sr-only-focusable" href="/supervisionreg/legal-developments.htm">Enforcement Actions and
579                            Legal Developments</a>
580                    </li>
581
582
583                     <li class="nav__header">
584                        <p>
585                            <strong>Mergers, Acquisitions, and Other Applications</strong>
586                        </p>
587                    </li>
588
589                    <li>
590                        <a class="sr-only-focusable" href="/supervisionreg/application-process.htm">Process</a>
591                    </li>
592                    <li>
593                        <a class="sr-only-focusable" href="/supervisionreg/afi/afi.htm">Filing
594                            Information</a>
595                    </li>
596
597                    <li>
598                        <a class="sr-only-focusable" href="/supervisionreg/board-and-reserve-bank-actions.htm">Board and Reserve
599                            Bank Actions</a>
600                    </li>
601
602                
603                    
604                    
605                    
606                </ul>
607
608                <ul class="col-sm-3 list-unstyled col-nav">
609
610<li class="nav__header">
611                        <p>
612                            <strong>Supervision and Regulation Letters</strong>
613                        </p>
614                    </li>
615
616                    <li>
617                        <a class="sr-only-focusable" href="/supervisionreg/srletters/srletters.htm">By Year</a>
618                    </li>
619
620                    <li>
621                        <a class="sr-only-focusable" href="/supervisionreg/topics/topics.htm">By Topic</a>
622                    </li>
623
624
625                    <li class="nav__header">
626                        <p>
627                            <strong>Regulatory and Policy Resources</strong>
628                        </p>
629                    </li>
630
631                    <li>
632                        <a class="sr-only-focusable" href="/aboutthefed/fract.htm">Federal Reserve Act</a>
633                    </li>
634
635                    <li>
636                        <a class="sr-only-focusable" href="/frrs/regulations/bank-holding-company-act-of-1956.htm">Bank Holding Company Act</a>
637                    </li>
638                    <li>
639                        <a class="sr-only-focusable" href="/supervisionreg/reglisting.htm">Regulations</a>
640                    </li>
641
642                    <li>
643                        <a class="sr-only-focusable" href="/publications/supmanual.htm">
643Supervision Manuals</a>
644                    </li>
645
646                    <li>
647                        <a class="sr-only-focusable" href="/frrs/federal-reserve-regulatory-service.htm">Federal Reserve Regulatory Service</a>
648                    </li>
649
650                    <li>
651                        <a class="sr-only-focusable" href="/supervisionreg/disaster-preparedness-and-recovery-resources.htm">Disaster Preparedness and Recovery Resources
652     </a>
653                    </li>
654
655
656                    
657                </ul>
658                <ul class="col-sm-3 list-unstyled col-nav">
659                    <li class="nav__header">
660                        <p>
661                            <strong>Banking and Data Structure</strong>
662                        </p>
663                    </li>
664
665                    
666
667                    <li>
668                        <a class="sr-only-focusable" href="/apps/reportforms/insider.aspx">Beneficial Ownership
669                            Reports</a>
670                    </li>
671
672                    <li>
673                        <a class="sr-only-focusable" href="/releases/lbr/">U.S. Domestically Chartered Commercial Banks</a>
674                    </li>
675                    <li>
676                        <a class="sr-only-focusable" href="/supervisionreg/minority-depository-institutions.htm">Minority Depository
677                            Institutions</a>
678                    </li>
679
680                    <li>
681                        <a class="sr-only-focusable" href="/releases/iba/">U.S. Offices of Foreign Entities</a>
682                    </li>
683
684                    <li>
685                        <a class="sr-only-focusable" href="/supervisionreg/fhc.htm">Financial Holding
686                            Companies</a>
687                    </li>
688
689                    <li>
690                        <a class="sr-only-focusable" href="/supervisionreg/isb-default.htm">Interstate
691                            Branching</a>
692                    </li>
693
694                    <li>
695                        <a class="sr-only-focusable" href="/supervisionreg/suds.htm">Securities
696                            Underwriting and Dealing Subsidiaries</a>
697                    </li>
698                    <li>
699                        <a class="sr-only-focusable" href="/supervisionreg/state-member-banks-supervised-federal-reserve.htm">State Member Banks Supervised by the Federal Reserve</a>
700                    </li>
701
702                    
703                </ul>
704            </div>
705        </li>
706    </ul>
707</li>
708
709
710
711
712
713
714        <li role="menuitem" class="dropdown nav-stability dropdown--2Col">
715            <a href="/financial-stability.htm" class="sr-only-focusable" aria-haspopup="true" id="stabilityMenu">Financial<br />Stability</a>
716            <ul aria-labelledby="stabilityMenu" role="menu" class="dropdown-menu sub-nav-group navmenu-nav">
717                <div class="row">
718                    <ul class="col-sm-6 list-unstyled">
719                        <li class="nav__header">
720                            <p>
721                                <strong>Financial Stability Assessments </strong>
722                            </p>
723                        </li>
724                        <li>
725                            <a class="sr-only-focusable" href="/financial-stability/what-is-financial-stability.htm">About Financial Stability</a>
726                        </li>
727                        <li>
728                            <a class="sr-only-focusable" href="/financial-stability/types-of-financial-system-vulnerabilities-and-risks.htm">Types of Financial System Vulnerabilities & Risks</a>
729                        </li>
730                        <li>
731                            <a class="sr-only-focusable" href="/financial-stability/monitoring-risk-across-the-financial-system.htm">Monitoring Risk Across the Financial System</a>
732                        </li>
733                        <li>
734                            <a class="sr-only-focusable" href="/financial-stability/proactive-monitoring-of-markets-and-institutions.htm">Proactive Monitoring of Markets & Institutions</a>
735                        </li>
736                        <li>
737                            <a class="sr-only-focusable" href="/financial-stability/financial-stability-and-stress-testing.htm">Financial Stability & Stress Testing</a>
738                        </li>
739                    </ul>
740                    <ul class="col-sm-6 list-unstyled">
741                        <li class="nav__header">
742                            <p>
743                                <strong>Financial Stability Coordination & Actions</strong>
744                            </p>
745                        </li>
746                        <li>
747                            <a class="sr-only-focusable" href="/financial-stability/responding-to-financial-system-emergencie
747s.htm">Responding to Financial System Emergencies</a>
748                        </li>
749                        <li>
750                            <a class="sr-only-focusable" href="/financial-stability/cooperation-on-financial-stability.htm">Cooperation on Financial Stability</a>
751                        </li>
752                        <li class="nav__header">
753                            <p>
754                                <strong>Reports</strong>
755                            </p>
756                        </li>
757
758                        <li>
759                            <a class="sr-only-focusable" href="/publications/financial-stability-report.htm">Financial Stability Report</a>
760                        </li>
761                    </ul>
762                </div>
763            </ul>
764        </li>
765        <li role="menuitem" class="dropdown nav-payment dropdown--fw">
766            <a href="/paymentsystems.htm" class="sr-only-focusable" id="paymentMenu" aria-haspopup="true">Payment<br />Systems</a>
767            <ul aria-labelledby="paymentMenu" role="menu" class="dropdown-menu sub-nav-group navmenu-nav">
768                <li>
769                    <div class="row">
770                        <ul class="col-sm-3 col-nav list-unstyled">
771                            <li class="nav__header">
772                                <p>
773                                    <strong>Regulations & Statutes</strong>
774                                </p>
775                            </li>
776
777                            <li>
778                                <a class="sr-only-focusable" href="/paymentsystems/regcc-about.htm">Regulation CC (Availability of Funds and Collection of Checks)</a>
779                            </li>
780
781                            <li>
782                                <a class="sr-only-focusable" href="/paymentsystems/regii-about.htm">Regulation II (Debit Card Interchange Fees and Routing)</a>
783                            </li>
784
785                            <li>
786                                <a class="sr-only-focusable" href="/paymentsystems/reghh-about.htm">Regulation HH (Financial Market Utilities)</a>
787                            </li>
788
789                            <li>
790                                <a class="sr-only-focusable" href="/paymentsystems/other-regulations.htm">Other Regulations and Statutes</a>
791                            </li>
792                        </ul>
793                        <ul class="col-sm-3 list-unstyled col-nav">
794                            <li class="nav__header">
795                                <p>
796                                    <strong>Payment Policies</strong>
797                                </p>
798                            </li>
799                            <li>
800                                <a class="sr-only-focusable" href="/paymentsystems/pfs_about.htm">Federal Reserve's Key Policies for the Provision of Financial Services</a>
801                            </li>
802                            <li>
803                                <a class="sr-only-focusable" href="/paymentsystems/joint_requests.htm">Guidelines for Evaluating Joint Account Requests</a>
804                            </li>
805                            <li>
806                                <a class="sr-only-focusable" href="/paymentsystems/oo_about.htm">Overnight Overdrafts</a>
807                            </li>
808                            <li>
809                                <a class="sr-only-focusable" href="/paymentsystems/psr_about.htm">Payment System Risk</a>
810                            </li>
811                            <li>
812                                <a class="sr-only-focusable" href="/paymentsystems/telecomm.htm">Sponsorship for Priority Telecommunication Services</a>
813                            </li>
814                        </ul>
815                        <ul class="col-sm-3 list-unstyled col-nav">
816                            <li class="nav__header">
817                                <p>
818                                    <strong>Reserve Bank Payment Services & Data</strong>
819                                </p>
820                            </li>
821
822                            <li>
823                                <a class="sr-only-focusable" href="/paymentsystems/fedach_about.htm">Automated Clearinghouse Services</a>
824                            </li>
825
826                            <li>
827                                <a class="sr-only-focusable" href="/paymentsystems/check_about.htm">Check Services</a>
828                            </li>
829
830                            <li>
831                                <a class="sr-only-focusable" href="/paymentsystems/coin_about.htm">Currency and Coin Services</a>
832                            </li>
833
834                            <li>
835                                <a class="sr-only-focusable" href="/paymentsystems/psr_data.htm">Daylight Overdrafts and Fees</a>
836                            </li>
837
838                            <li>
839                                <a class="sr-only-focusable" href="/paymentsystems/fednow_about.htm">FedNow<sup>&reg;</sup> Service</a>
840                            </li>
841
842                            <li>
843                                <a class="sr-only-focusable" href="/paymentsystems/fedfunds_about.htm">Fedwire Funds Services</a>
844                            </li>
845
846                            <li>
847                                <a class="sr-only-focusable" href="/paymentsystems/fedsecs_about.htm">Fedwire Securities Services</a>
848                            </li>
849
850                            <li>
851                                <a class="sr-only-focusable" href="/paymentsystems/fisagy_about.htm">Fiscal Agency Services</a>
852                            </li>
853
854                            <li>
855                                <a class="sr-only-focusable" href="/paymentsystems/master-account-and-services-database-about.htm">Master Account and Services Database</a>
856                            </li>
857
858                            <li>
859                                <a class="sr-only-focusable" href="/paymentsystems/natl_about.htm">National Settlement Service</a>
860                            </li>
861                        </ul>
862                        <ul class="col-sm-3 list-unstyled col-nav">
863                            <li class="nav__header">
864                                <p>
865                                    <strong>
865Financial Market Utilities & Infrastructures</strong>
866                                </p>
867                            </li>
868
869                            <li>
870                                <a class="sr-only-focusable" href="/paymentsystems/over_about.htm">Supervision & Oversight of Financial Market Infrastructures</a>
871                            </li>
872
873                            <li>
874                                <a class="sr-only-focusable" href="/paymentsystems/designated_fmu_about.htm">Designated Financial Market Utilities</a>
875                            </li>
876
877                            <li>
878                                <a class="sr-only-focusable" href="/paymentsystems/int_standards.htm">International Standards for Financial Market Infrastructures</a>
879                            </li>
880                        </ul>
881                        <ul class="col-sm-3 list-unstyled col-nav">
882                            <li class="nav__header">
883                                <p>
884                                    <strong>Research, Reports, & Committees</strong>
885                                </p>
886                            </li>
887
888                            <li>
889                                <a class="sr-only-focusable" href="/paymentsystems/fr-payments-study.htm">Federal Reserve Payments Study (FRPS)</a>
890                            </li>
891
892                            <li>
893                                <a class="sr-only-focusable" href="/paymentsystems/payres_about.htm">Payments Research</a>
894                            </li>
895
896                            <li>
897                                <a class="sr-only-focusable" href="/paymentsystems/reports.htm">Reports</a>
898                            </li>
899
900                            <li>
901                                <a class="sr-only-focusable" href="/paymentsystems/pspa_committee.htm">Payments System Policy Advisory Committee</a>
902                            </li>
903                        </ul>
904                    </div>
905                </li>
906            </ul>
907        </li>
908
909        <li role="menuitem" class="dropdown nav-econ dropdown--right dropdown--2Col">
910            <a href="/econres.htm" class="sr-only-focusable" aria-haspopup="true" id="econMenu">Economic<br />Research</a>
911            <ul aria-labelledby="econMenu" role="menu" class="dropdown-menu sub-nav-group navmenu-nav">
912                <li>
913                    <div class="row">
914                        <ul class="col-sm-6 list-unstyled">
915                            <li>
916                                <a class="sr-only-focusable" href="/econres/researchers.htm">Meet the Researchers</a>
917                            </li>
918
919                            <li class="nav__header">
920                                <p>
921                                    <strong>Working Papers and Notes</strong>
922                                </p>
923                            </li>
924
925                            <li>
926                                <a class="sr-only-focusable" href="/econres/feds/index.htm">Finance and Economics Discussion Series (FEDS)</a>
927                            </li>
928
929                            <li>
930                                <a class="sr-only-focusable" href="/econres/notes/feds-notes/default.htm">FEDS Notes</a>
931                            </li>
932
933                            <li>
934                                <a class="sr-only-focusable" href="/econres/ifdp/index.htm">International Finance Discussion Papers (IFDP)</a>
935                            </li>
936                        </ul>
937                        <ul class="col-sm-6 list-unstyled">
938                            <li class="nav__header">
939                                <p>
940                                    <strong>Data, Models and Tools</strong>
941                                </p>
942                            </li>
943
944                            <li>
945                                <a class="sr-only-focusable" href="/econres/economic-research-data.htm">Economic Research Data</a>
946                            </li>
947
948                            <li>
949                                <a class="sr-only-focusable" href="/econres/us-models-about.htm">FRB/US Model</a>
950                            </li>
951
952                            <li>
953                                <a class="sr-only-focusable" href="/econres/edo-models-about.htm">Estimated Dynamic Optimization (EDO) Model</a>
954                            </li>
955
956                            <li>
957                                <a class="sr-only-focusable" href="/econres/scfindex.htm">Survey of Consumer Finances (SCF)</a>
958                            </li>
959                        </ul>
960                    </div>
961                </li>
962            </ul>
963        </li>
964
965        <li role="menuitem" class="dropdown nav-data dropdown--right dropdown--fw">
966            <a href="/data.htm" class="sr-only-focusable" id="dataMenu" aria-haspopup="true">Data</a>
967            <ul aria-labelledby="dataMenu" role="menu" class="dropdown-menu sub-nav-group navmenu-nav">
968                <li>
969                    <div class="row">
970                        <ul class="col-sm-3 col-nav list-unstyled">
971                            <li>
972                                <a class="sr-only-focusable" href="/datadownload"><span class="icon icon-ddp icon__sm"></span>Data Download Program</a>
973                            </li>
974
975                            <li class="nav__header">
976                                <p>
977                                    <strong>Bank Assets and Liabilities</strong>
978                                </p>
979                            </li>
980
981                            <li>
982                                <a class="sr-only-focusable" href="/releases/h3/current/default.htm">Aggregate Reserves of Depository Institutions and the Monetary Base - H.3</a>
983                            </li>
984
985                            <li>
986                                <a class="sr-only-focusable" href="/releases/h8/current/default.htm">Assets and Liabilities of Commercial Banks in the U.S. - H.8</a>
987                            </li>
988
989                            <li>
990                                <a class="sr-only-focusable" href="/data/assetliab/current.htm">Assets and Liabilities of U.S. Branches and Agencies of Foreign Banks</a>
991                            </li>
992
993                            <li>
994                                <a class="sr-only-focusable" href="/releases/chargeoff/">Charge-Off and Delinquency Rates on Loans and Leases at Commercial Banks</a>
995                            </li>
996
997                            <li>
998                                <a class="sr-only-focusable" href="/data/sfos/sfos.htm">Senior Financial Officer Survey</a>
999                            </li>
1000
1001                            <li>
1002                                <a class="sr-only-focusable" href="/data/sloos.htm">Senior Loan Officer Opinion Survey on Bank Lending Practices</a>
1003                            </li>
1004                        </ul>
1005                        <ul class="col-sm-3 list-unstyled col-nav">
1006                            <li class="nav__header">
1007                                <p>
1008                                    <strong>Bank Structure Data</strong>
1009                                </p>
1010                            </li>
1011
1012                            <li>
1013                                <a class="sr-only-focusable" href="/releases/lbr/">U.S. Domestically Chartered Commercial Banks</a>
1014                            </li>
1015
1016                            <li>
1017                                <a class="sr-only-focusable" href="/supervisionreg/minority-depository-institutions.htm">Minority Depository Institutions</a>
1018                            </li>
1019
1020                            <li>
1021                                <a class="sr-only-focusable" href="/releases/iba/default.htm">Structure and Share Data for the U.S. Offices of Foreign Banks</a>
1022                            </li>
1023
1024                            <li class="nav__header">
1025                                <p>
1026                                    <strong>Business Finance</strong>
1027                                </p>
1028                            </li>
1029
1030                            <li>
1031                                <a class="sr-only-focusable" href="/releases/cp/">Commercial Paper</a>
1032                            </li>
1033
1034                            <li>
1035                                <a class="sr-only-focusable" href="/releases/g20/current/default.htm">
1035Finance Companies - G.20</a>
1036                            </li>
1037
1038                            <li>
1039                                <a class="sr-only-focusable" href="/data/govsecure/current.htm">New Security Issues, State and Local Governments</a>
1040                            </li>
1041
1042                            <li>
1043                                <a class="sr-only-focusable" href="/data/corpsecure/current.htm">New Security Issues, U.S. Corporations</a>
1044                            </li>
1045
1046                            <li class="nav__header">
1047                                <p>
1048                                    <strong>Dealer Financing Terms</strong>
1049                                </p>
1050                            </li>
1051
1052                            <li>
1053                                <a class="sr-only-focusable" href="/data/scoos.htm">Senior Credit Officer Opinion Survey on Dealer Financing Terms</a>
1054                            </li>
1055                        </ul>
1056                        <ul class="col-sm-3 list-unstyled col-nav">
1057                            <li class="nav__header">
1058                                <p>
1059                                    <strong>Exchange Rates and International Data</strong>
1060                                </p>
1061                            </li>
1062
1063                            <li>
1064                                <a class="sr-only-focusable" href="/releases/h10/current/">Foreign Exchange Rates - H.10/G.5</a>
1065                            </li>
1066
1067                            <li>
1068                                <a class="sr-only-focusable" href="/data/intlsumm/current.htm">International Summary Statistics</a>
1069                            </li>
1070
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1072                                <a class="sr-only-focusable" href="/data/secholdtrans/current.htm">Securities Holdings and Transactions</a>
1073                            </li>
1074
1075                            <li>
1076                                <a class="sr-only-focusable" href="/data/statbanksus/current.htm">Statistics Reported by Banks and Other Financial Firms in the United States</a>
1077                            </li>
1078
1079                            <li>
1080                                <a class="sr-only-focusable" href="/releases/iba/default.htm">Structure and Share Data for U.S. Offices of Foreign Banks</a>
1081                            </li>
1082
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1084                                <p>
1085                                    <strong>Financial Accounts</strong>
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1090                                <a class="sr-only-focusable" href="/releases/z1/default.htm">Financial Accounts of the United States - Z.1</a>
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1092                        </ul>
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1095                                <p>
1096                                    <strong>Household Finance</strong>
1097                                </p>
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1099
1100                            <li>
1101                                <a class="sr-only-focusable" href="/releases/g19/current/default.htm">Consumer Credit - G.19</a>
1102                            </li>
1103
1104                            <li>
1105                                <a class="sr-only-focusable" href="/releases/DSR">Household Debt Service Ratios</a>
1106                            </li>
1107
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1109                                <a class="sr-only-focusable" href="/data/mortoutstand/current.htm">Mortgage Debt Outstanding</a>
1110                            </li>
1111
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1113                                <a class="sr-only-focusable" href="/econres/scfindex.htm">Survey of Consumer Finances (SCF)</a>
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1115
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1117                                <a class="sr-only-focusable" href="/consumerscommunities/shed.htm">Survey of Household Economics and Decisionmaking</a>
1118                            </li>
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1120                            <li class="nav__header">
1121                                <p>
1122                                    <strong>Industrial Activity</strong>
1123                                </p>
1124                            </li>
1125
1126                            <li>
1127                                <a class="sr-only-focusable" href="/releases/g17/current/default.htm">Industrial Production and Capacity Utilization - G.17</a>
1128                            </li>
1129
1130                            <li class="nav__header">
1131                                <p>
1132                                    <strong>Interest Rates</strong>
1133                                </p>
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1137                                <a class="sr-only-focusable" href="/releases/h15/">Selected Interest Rates - H.15</a>
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1143                                    <strong>Micro Data Reference Manual (MDRM)</strong>
1144                                </p>
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1148                                <a class="sr-only-focusable" href="/data/mdrm.htm">Micro and Macro Data Collections</a>
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1152                                <p>
1153                                    <strong>Money Stock and Reserve Balances</strong>
1154                                </p>
1155                            </li>
1156
1157                            <li>
1158                                <a class="sr-only-focusable" href="/releases/h41/">Factors Affecting Reserve Balances - H.4.1</a>
1159                            </li>
1160
1161                            <li>
1162                                <a class="sr-only-focusable" href="/releases/h6/current/default.htm">Money Stock Measures - H.6</a>
1163                            </li>
1164
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1166                                <p>
1167                                    <strong>Other</strong>
1168                                </p>
1169                            </li>
1170
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1172                                <a class="sr-only-focusable" href="/data/yield-curve-models.htm">Yield Curve Models and Data</a>
1173                            </li>
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1193                                <a class="sr-only-focusable" href="/consumerscommunities/cra_about.htm">Community Reinvestment Act (CRA)</a>
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1221                                    <strong>Community Development</strong>
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1226                                <a class="sr-only-focusable" href="/consumerscommunities/neighborhood-revitalization.htm">Housing and Neighborhood Revitalization</a>
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1230                                <a class="sr-only-focusable" href="/consumerscommunities/small-business-and-entrepreneurship.htm">Small Business and Entrepreneurship</a>
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1234                                <a class="sr-only-focusable" href="/consumerscommunities/workforce.htm">Employment and Workforce Development</a>
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1238                                <a class="sr-only-focusable" href="/consumerscommunities/cdf.htm">Community Development Finance</a>
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1242                                <a class="sr-only-focusable" href="/consumerscommunities/rural-community-economic-development.htm">Rural Community and Economic Development</a>
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1257                                <a class="sr-only-focusable" href="/consumerscommunities/shed.htm">Survey of Household Economics and Decisionmaking</a>
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1266                                <a class="sr-only-focusable" href="/aboutthefed/cac.htm">Community Advisory Council</a>
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1270                                <p>
1271                                    <strong>Resources for Consumers</strong>
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1276                                <a class="sr-only-focusable" href="/consumerscommunities/fraud-scams.htm">Frauds and Scams</a>
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1284                                <a class="sr-only-focusable" href="/consumerscommunities/comm-dev-system-map.htm">Federal Reserve Community Development Resources</a>
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1355    <ul class="list-unstyled">
1356        
1357        <li>
1358            <p>
1359                <a href="/newsevents/speech/cook20260930a.htm">Speech by Governor Cook on the dual mandate in rural America</a>
1360                <br/><span class="time--sm">Speech - 9/30/2026 </span>
1361            </p>
1362        </li>
1363        
1364        <li>
1365            <p>
1366                <a href="/newsevents/pressreleases/bcreg20260930a.htm">Federal Reserve Board finalizes changes to enhance the transparency and public accountability of its stress test and reduce volatility in its stress test-related capital requirements</a>
1367                <br/><span class="time--sm">Press Release - 9/30/2026 </span>
1368            </p>
1369        </li>
1370        
1371        <li>
1372            <p>
1373                <a href="/newsevents/pressreleases/bcreg20260929a.htm">Agencies publish resolution plan feedback letters for 15 banking organizations</a>
1374                <br/><span class="time--sm">Press Release - 9/29/2026 </span>
1375            </p>
1376        </li>
1377        
1378        <li>
1379            <p>
1380                <a href="/newsevents/speech/waller20260928a.htm">Speech by Governor Waller on payments in the age of AI agents</a>
1381                <br/><span class="time--sm">Speech - 9/29/2026 </span>
1382            </p>
1383        </li>
1384        
1385        <li>
1386            <p>
1387                <a href="/newsevents/speech/barr20260929a.htm">Speech by Governor Barr on economic conditions and monetary policy</a>
1388                <br/><span class="time--sm">Speech - 9/29/2026 </span>
1389            </p>
1390        </li>
1391        
1392        <li>
1393            <p>
1394                <a href="/newsevents/speech/bowman20260929a.htm">Opening remarks by Vice Chair for Supervision Bowman at the Community Bank Cyber Workshop</a>
1395                <br/><span class="time--sm">Speech - 9/29/2026 </span>
1396            </p>
1397        </li>
1398        
1399        <li>
1400            <p>
1401                <a href="/newsevents/speech/cook20260928a.htm">Speech by Governor Cook on an update on AI and the economy</a>
1402                <br/><span class="time--sm">Speech - 9/28/2026 </span>
1403            </p>
1404        </li>
1405        
1406        <li>
1407            <p>
1408                <a href="/newsevents/pressreleases/orders20260925a.htm">Federal Reserve Board announces approval of application by Peoples Bancorp Inc.</a>
1409                <br/><span class="time--sm">
1409Press Release - 9/25/2026 </span>
1410            </p>
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1433                      
1434        <li>
1435            <p>
1436                <a href="/newsevents/pressreleases/bcreg20260930a.htm">Federal Reserve Board finalizes changes to enhance the transparency and public accountability of its stress test and reduce volatility in its stress test-related capital requirements</a>
1437                <br/><span class="time--sm">Banking and Consumer Regulatory Policy - 9/30/2026 </span>
1438            </p>
1439        </li>
1440        
1441        <li>
1442            <p>
1443                <a href="/newsevents/pressreleases/bcreg20260929a.htm">Agencies publish resolution plan feedback letters for 15 banking organizations</a>
1444                <br/><span class="time--sm">Banking and Consumer Regulatory Policy - 9/29/2026 </span>
1445            </p>
1446        </li>
1447        
1448        <li>
1449            <p>
1450                <a href="/newsevents/pressreleases/orders20260925a.htm">Federal Reserve Board announces approval of application by Peoples Bancorp Inc.</a>
1451                <br/><span class="time--sm">Orders on Banking Applications - 9/25/2026 </span>
1452            </p>
1453        </li>
1454        
1455        <li>
1456            <p>
1457                <a href="/newsevents/pressreleases/bcreg20260924a.htm">Federal Reserve Board requests public comment on two proposals related to establishing a regulatory framework for Board-supervised payment stablecoin issuers under the GENIUS Act</a>
1458                <br/><span class="time--sm">Banking and Consumer Regulatory Policy - 9/24/2026 </span>
1459            </p>
1460        </li>
1461        
1462        <li>
1463            <p>
1464                <a href="/newsevents/pressreleases/enforcement20260924a.htm">Federal Reserve Board issues enforcement action</a>
1465                <br/><span class="time--sm">Enforcement Actions - 9/24/2026 </span>
1466            </p>
1467        </li>
1468        
1469        <li>
1470            <p>
1471                <a href="/newsevents/pressreleases/orders20260922a.htm">Federal Reserve Board announces approval of application by BancFirst Corporation</a>
1472                <br/><span class="time--sm">Orders on Banking Applications - 9/22/2026 </span>
1473            </p>
1474        </li>
1475        
1476        <li>
1477            <p>
1478                <a href="/newsevents/pressreleases/enforcement20260918b.htm">Federal Reserve Board announces termination of enforcement action</a>
1479                <br/><span class="time--sm">Enforcement Actions - 9/18/2026 </span>
1480            </p>
1481        </li>
1482        
1483        <li>
1484            <p>
1485                <a href="/newsevents/pressreleases/enforcement20260918a.htm">Federal Reserve Board issues enforcement actions</a>
1486                <br/><span class="time--sm">Enforcement Actions - 9/18/2026 </span>
1487            </p>
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1514                                    
1515        <li>
1516            <p>
1517                <a href="/newsevents/speech/cook20260930a.htm">Speech by Governor Cook on the dual mandate in rural America</a>
1518                <br/><span class="time--sm">Speech - 9/30/2026 </span>
1519            </p>
1520        </li>
1521        
1522        <li>
1523            <p>
1524                <a href="/newsevents/speech/barr20260929a.htm">Speech by Governor Barr on economic conditions and monetary policy</a>
1525                <br/><span class="time--sm">Speech - 9/29/2026 </span>
1526            </p>
1527        </li>
1528        
1529        <li>
1530            <p>
1531                <a href="/newsevents/speech/waller20260928a.htm">Speech by Governor Waller on payments in the age of AI agents</a>
1532                <br/><span class="time--sm">Speech - 9/29/2026 </span>
1533            </p>
1534        </li>
1535        
1536        <li>
1537            <p>
1538                <a href="/newsevents/speech/bowman20260929a.htm">Opening remarks by Vice Chair for Supervision Bowman at the Community Bank Cyber Workshop</a>
1539                <br/><span class="time--sm">Speech - 9/29/2026 </span>
1540            </p>
1541        </li>
1542        
1543        <li>
1544            <p>
1545                <a href="/newsevents/speech/cook20260928a.htm">Speech by Governor Cook on an update on AI and the economy</a>
1546                <br/><span class="time--sm">Speech - 9/28/2026 </span>
1547            </p>
1548        </li>
1549        
1550        <li>
1551            <p>
1552                <a href="/newsevents/speech/barr20260923a.htm">Speech by Governor Barr on housing</a>
1553                <br/><span class="time--sm">Speech - 9/23/2026 </span>
1554            </p>
1555        </li>
1556        
1557        <li>
1558            <p>
1559                <a href="/newsevents/speech/jefferson20260922a.htm">Speech by Vice Chair Jefferson on discount window modernization and Treasury market functioning </a>
1560                <br/><span class="time--sm">Speech - 9/22/2026 </span>
1561            </p>
1562        </li>
1563        
1564        <li>
1565            <p>
1566                <a href="/newsevents/speech/bowman20260918b.htm">Speech by Vice Chair for Supervision Bowman on initial findings from independent review of Silicon Valley Bank</a>
1567                <br/><span class="time--sm">Speech - 9/18/2026 </span>
1568            </p>
1569        </li>
1570        
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