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225                <em>The Federal Reserve, the central bank of the United States, provides
226          the nation with a safe, flexible, and stable monetary and financial
227          system.</em>
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287                                <a class="sr-only-focusable" href="/aboutthefed/fract.htm">Federal Reserve Act</a>
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450
451                            <li>
452                                <a class="sr-only-focusable" href="/monetarypolicy/review-of-monetary-policy-strategy-tools-and-communications-2025.htm">Overview</a>
453                            </li>
454                        </ul>
455                    </div>
456                </li>
457            </ul>
458        </li>
459
460        <li role="menuitem" class="dropdown nav-supervision dropdown--fw">
461    <a href="/supervisionreg.htm" class="sr-only-focusable" id="supervisionMenu"
462        aria-haspopup="true">Supervision<br />& Regulation</a>
463    <ul aria-labelledby="supervisionMenu" role="menu" class="dropdown-menu sub-nav-group navmenu-nav">
464        <li>
465            <div class="row">
466                <ul class="col-sm-3 col-nav list-unstyled">
467                    <li class="nav__header">
468                        <p>
469                            <strong>Supervision</strong>
470                        </p>
471                    </li>
472
473                    <li>
474                        <a class="sr-only-focusable" href="/supervisionreg/community-banks.htm">
475                            Community Banks</a>
476                    </li>
477                    <li>
478                        <a class="sr-only-focusable" href="/supervisionreg/regional-and-small-foreign-banks.htm">
479                            Regional Banks and Foreign Banks with U.S. Assets < $100 Billion</a>
480                    </li>
481                    <li>
482                        <a class="sr-only-focusable" href="/supervisionreg/large-banks-and-large-foreign-banks.htm">
483                            Large Banks and Large Foreign Banks</a>
484                    </li>
485                    <li>
486                        <a class="sr-only-focusable" href="/supervisionreg/global-systemically-important-banks.htm">
487                            Global Systemically Important Banks</a>
488                    </li>
489
490                    <li>
491                        <a class="sr-only-focusable" href="/supervisionreg/financial-market-utility-supervision.htm">Financial Market
492                            Utilities</a>
493                    </li>
494
495                    <li>
496                        <a class="sr-only-focusable" href="/supervisionreg/consumer-compliance.htm">Consumer
497                            Compliance</a>
498                    </li>
499
500                    <li>
501                        <a class="sr-only-focusable" href="/supervisionreg/resources-for-supervised-institutions.htm">
502                            Resources for Supervised Institutions</a>
503                    </li>
504
505                    
506
507                    <li class="nav__header">
508                        <p>
509                            <strong>Reports</strong>
510                        </p>
511                    </li>
512
513                    <li>
514                        <a class="sr-only-focusable" href="/publications/supervision-and-regulation-report.htm">Federal Reserve
515                            Supervision and Regulation Report</a>
516                    </li>
517                </ul>
518                <ul class="col-sm-3 list-unstyled col-nav">
519                    <li class="nav__header">
520                        <p>
521                            <strong>Reporting Forms</strong>
522                        </p>
523                    </li>
524                    <li>
525                        <a class="sr-only-focusable" href="/apps/reportingforms/recentupdates">Recent Reporting Form Updates</a>
526                    </li>
527
528                    <li>
529                        <a class="sr-only-focusable" href="/apps/reportingforms/home/review">Information Collections
530                            Under Review</a>
531                    </li>
532
533                    <li>
534                        <a class="sr-only-focusable" href='/apps/ReportingForms/?reportTypesIdsJson=["1"]'>Financial
535                            Statements</a>
536                    </li>
537                    <li>
538                        <a class="sr-only-focusable" href='/apps/ReportingForms/?reportTypesIdsJson=["7"]'>Securities Exchange Act of 1934</a>
539                    </li>
540
541                    <li>
542                        <a class="sr-only-focusable"
543                            href='/apps/ReportingForms/?reportTypesIdsJson=["2"]'>Applications/Structure Change</a>
544                    </li>
545
546                    <li>
547                        <a class="sr-only-focusable" href='/apps/ReportingForms/?reportTypesIdsJson=["3"]'>FFIEC</a>
548                    </li>
549
550                    <li>
551                        <a class="sr-only-focusable" href='/apps/ReportingForms/?reportTypesIdsJson=["8"]'>Municipal and
552                            Government Securities</a>
553                    </li>
554                    <li>
555                        <a class="sr-only-focusable" href='/apps/ReportingForms/?reportTypesIdsJson=["9"]'>Activities Monitoring</a>
556                    </li>
557                    <li>
558                        <a class="sr-only-focusable" href='/apps/mdrm/'>Micro Data Reference Manual</a>
559                    </li>
560
561                     
562
563                </ul>
564
565
566
567
568                <ul class="col-sm-3 list-unstyled col-nav">
569
570<li class="nav__header">
571                        <p>
572                            <strong>Legal Developments</strong>
573                        </p>
574                    </li>
575
576                    <li>
577                        <a class="sr-only-focusable" href="/supervisionreg/legal-developments.htm">Enforcement Actions and
578                            Legal Developments</a>
579                    </li>
580
581
582                     <li class="nav__header">
583                        <p>
584                            <strong>Mergers, Acquisitions, and Other Applications</strong>
585                        </p>
586                    </li>
587
588                    <li>
589                        <a class="sr-only-focusable" href="/supervisionreg/application-process.htm">Process</a>
590                    </li>
591                    <li>
592                        <a class="sr-only-focusable" href="/supervisionreg/afi/afi.htm">Filing
593                            Information</a>
594                    </li>
595
596                    <li>
597                        <a class="sr-only-focusable" href="/supervisionreg/board-and-reserve-bank-actions.htm">Board and Reserve
598                            Bank Actions</a>
599                    </li>
600
601                
602                    
603                    
604                    
605                </ul>
606
607                <ul class="col-sm-3 list-unstyled col-nav">
608
609<li class="nav__header">
610                        <p>
611                            <strong>Supervision and Regulation Letters</strong>
612                        </p>
613                    </li>
614
615                    <li>
616                        <a class="sr-only-focusable" href="/supervisionreg/srletters/srletters.htm">By Year</a>
617                    </li>
618
619                    <li>
620                        <a class="sr-only-focusable" href="/supervisionreg/topics/topics.htm">By Topic</a>
621                    </li>
622
623
624                    <li class="nav__header">
625                        <p>
626                            <strong>Regulatory and Policy Resources</strong>
627                        </p>
628                    </li>
629
630                    <li>
631                        <a class="sr-only-focusable" href="/aboutthefed/fract.htm">Federal Reserve Act</a>
632                    </li>
633
634                    <li>
635                        <a class="sr-only-focusable" href="/frrs/regulations/bank-holding-company-act-of-1956.htm">Bank Holding Company Act</a>
636                    </li>
637                    <li>
638                        <a class="sr-only-focusable" href="/supervisionreg/reglisting.htm">Regulations</a>
639                    </li>
640
641                    <li>
642                        <a class="sr-only-focusable" href="/publications/supmanual.htm">
642Supervision Manuals</a>
643                    </li>
644
645                    <li>
646                        <a class="sr-only-focusable" href="/frrs/federal-reserve-regulatory-service.htm">Federal Reserve Regulatory Service</a>
647                    </li>
648
649                    <li>
650                        <a class="sr-only-focusable" href="/supervisionreg/disaster-preparedness-and-recovery-resources.htm">Disaster Preparedness and Recovery Resources
651     </a>
652                    </li>
653
654
655                    
656                </ul>
657                <ul class="col-sm-3 list-unstyled col-nav">
658                    <li class="nav__header">
659                        <p>
660                            <strong>Banking and Data Structure</strong>
661                        </p>
662                    </li>
663
664                    
665
666                    <li>
667                        <a class="sr-only-focusable" href="/apps/reportforms/insider.aspx">Beneficial Ownership
668                            Reports</a>
669                    </li>
670
671                    <li>
672                        <a class="sr-only-focusable" href="/releases/lbr/">U.S. Domestically Chartered Commercial Banks</a>
673                    </li>
674                    <li>
675                        <a class="sr-only-focusable" href="/supervisionreg/minority-depository-institutions.htm">Minority Depository
676                            Institutions</a>
677                    </li>
678
679                    <li>
680                        <a class="sr-only-focusable" href="/releases/iba/">U.S. Offices of Foreign Entities</a>
681                    </li>
682
683                    <li>
684                        <a class="sr-only-focusable" href="/supervisionreg/fhc.htm">Financial Holding
685                            Companies</a>
686                    </li>
687
688                    <li>
689                        <a class="sr-only-focusable" href="/supervisionreg/isb-default.htm">Interstate
690                            Branching</a>
691                    </li>
692
693                    <li>
694                        <a class="sr-only-focusable" href="/supervisionreg/suds.htm">Securities
695                            Underwriting and Dealing Subsidiaries</a>
696                    </li>
697                    <li>
698                        <a class="sr-only-focusable" href="/supervisionreg/state-member-banks-supervised-federal-reserve.htm">State Member Banks Supervised by the Federal Reserve</a>
699                    </li>
700
701                    
702                </ul>
703            </div>
704        </li>
705    </ul>
706</li>
707
708
709
710
711
712
713        <li role="menuitem" class="dropdown nav-stability dropdown--2Col">
714            <a href="/financial-stability.htm" class="sr-only-focusable" aria-haspopup="true" id="stabilityMenu">Financial<br />Stability</a>
715            <ul aria-labelledby="stabilityMenu" role="menu" class="dropdown-menu sub-nav-group navmenu-nav">
716                <div class="row">
717                    <ul class="col-sm-6 list-unstyled">
718                        <li class="nav__header">
719                            <p>
720                                <strong>Financial Stability Assessments </strong>
721                            </p>
722                        </li>
723                        <li>
724                            <a class="sr-only-focusable" href="/financial-stability/what-is-financial-stability.htm">About Financial Stability</a>
725                        </li>
726                        <li>
727                            <a class="sr-only-focusable" href="/financial-stability/types-of-financial-system-vulnerabilities-and-risks.htm">Types of Financial System Vulnerabilities & Risks</a>
728                        </li>
729                        <li>
730                            <a class="sr-only-focusable" href="/financial-stability/monitoring-risk-across-the-financial-system.htm">Monitoring Risk Across the Financial System</a>
731                        </li>
732                        <li>
733                            <a class="sr-only-focusable" href="/financial-stability/proactive-monitoring-of-markets-and-institutions.htm">Proactive Monitoring of Markets & Institutions</a>
734                        </li>
735                        <li>
736                            <a class="sr-only-focusable" href="/financial-stability/financial-stability-and-stress-testing.htm">Financial Stability & Stress Testing</a>
737                        </li>
738                    </ul>
739                    <ul class="col-sm-6 list-unstyled">
740                        <li class="nav__header">
741                            <p>
742                                <strong>Financial Stability Coordination & Actions</strong>
743                            </p>
744                        </li>
745                        <li>
746                            <a class="sr-only-focusable" href="/financial-stability/responding-to-financial-system-emergencie
746s.htm">Responding to Financial System Emergencies</a>
747                        </li>
748                        <li>
749                            <a class="sr-only-focusable" href="/financial-stability/cooperation-on-financial-stability.htm">Cooperation on Financial Stability</a>
750                        </li>
751                        <li class="nav__header">
752                            <p>
753                                <strong>Reports</strong>
754                            </p>
755                        </li>
756
757                        <li>
758                            <a class="sr-only-focusable" href="/publications/financial-stability-report.htm">Financial Stability Report</a>
759                        </li>
760                    </ul>
761                </div>
762            </ul>
763        </li>
764        <li role="menuitem" class="dropdown nav-payment dropdown--fw">
765            <a href="/paymentsystems.htm" class="sr-only-focusable" id="paymentMenu" aria-haspopup="true">Payment<br />Systems</a>
766            <ul aria-labelledby="paymentMenu" role="menu" class="dropdown-menu sub-nav-group navmenu-nav">
767                <li>
768                    <div class="row">
769                        <ul class="col-sm-3 col-nav list-unstyled">
770                            <li class="nav__header">
771                                <p>
772                                    <strong>Regulations & Statutes</strong>
773                                </p>
774                            </li>
775
776                            <li>
777                                <a class="sr-only-focusable" href="/paymentsystems/regcc-about.htm">Regulation CC (Availability of Funds and Collection of Checks)</a>
778                            </li>
779
780                            <li>
781                                <a class="sr-only-focusable" href="/paymentsystems/regii-about.htm">Regulation II (Debit Card Interchange Fees and Routing)</a>
782                            </li>
783
784                            <li>
785                                <a class="sr-only-focusable" href="/paymentsystems/reghh-about.htm">Regulation HH (Financial Market Utilities)</a>
786                            </li>
787
788                            <li>
789                                <a class="sr-only-focusable" href="/paymentsystems/other-regulations.htm">Other Regulations and Statutes</a>
790                            </li>
791                        </ul>
792                        <ul class="col-sm-3 list-unstyled col-nav">
793                            <li class="nav__header">
794                                <p>
795                                    <strong>Payment Policies</strong>
796                                </p>
797                            </li>
798                            <li>
799                                <a class="sr-only-focusable" href="/paymentsystems/pfs_about.htm">Federal Reserve's Key Policies for the Provision of Financial Services</a>
800                            </li>
801                            <li>
802                                <a class="sr-only-focusable" href="/paymentsystems/joint_requests.htm">Guidelines for Evaluating Joint Account Requests</a>
803                            </li>
804                            <li>
805                                <a class="sr-only-focusable" href="/paymentsystems/oo_about.htm">Overnight Overdrafts</a>
806                            </li>
807                            <li>
808                                <a class="sr-only-focusable" href="/paymentsystems/psr_about.htm">Payment System Risk</a>
809                            </li>
810                            <li>
811                                <a class="sr-only-focusable" href="/paymentsystems/telecomm.htm">Sponsorship for Priority Telecommunication Services</a>
812                            </li>
813                        </ul>
814                        <ul class="col-sm-3 list-unstyled col-nav">
815                            <li class="nav__header">
816                                <p>
817                                    <strong>Reserve Bank Payment Services & Data</strong>
818                                </p>
819                            </li>
820
821                            <li>
822                                <a class="sr-only-focusable" href="/paymentsystems/fedach_about.htm">Automated Clearinghouse Services</a>
823                            </li>
824
825                            <li>
826                                <a class="sr-only-focusable" href="/paymentsystems/check_about.htm">Check Services</a>
827                            </li>
828
829                            <li>
830                                <a class="sr-only-focusable" href="/paymentsystems/coin_about.htm">Currency and Coin Services</a>
831                            </li>
832
833                            <li>
834                                <a class="sr-only-focusable" href="/paymentsystems/psr_data.htm">Daylight Overdrafts and Fees</a>
835                            </li>
836
837                            <li>
838                                <a class="sr-only-focusable" href="/paymentsystems/fednow_about.htm">FedNow<sup>&reg;</sup> Service</a>
839                            </li>
840
841                            <li>
842                                <a class="sr-only-focusable" href="/paymentsystems/fedfunds_about.htm">Fedwire Funds Services</a>
843                            </li>
844
845                            <li>
846                                <a class="sr-only-focusable" href="/paymentsystems/fedsecs_about.htm">Fedwire Securities Services</a>
847                            </li>
848
849                            <li>
850                                <a class="sr-only-focusable" href="/paymentsystems/fisagy_about.htm">Fiscal Agency Services</a>
851                            </li>
852
853                            <li>
854                                <a class="sr-only-focusable" href="/paymentsystems/master-account-and-services-database-about.htm">Master Account and Services Database</a>
855                            </li>
856
857                            <li>
858                                <a class="sr-only-focusable" href="/paymentsystems/natl_about.htm">National Settlement Service</a>
859                            </li>
860                        </ul>
861                        <ul class="col-sm-3 list-unstyled col-nav">
862                            <li class="nav__header">
863                                <p>
864                                    <strong>
864Financial Market Utilities & Infrastructures</strong>
865                                </p>
866                            </li>
867
868                            <li>
869                                <a class="sr-only-focusable" href="/paymentsystems/over_about.htm">Supervision & Oversight of Financial Market Infrastructures</a>
870                            </li>
871
872                            <li>
873                                <a class="sr-only-focusable" href="/paymentsystems/designated_fmu_about.htm">Designated Financial Market Utilities</a>
874                            </li>
875
876                            <li>
877                                <a class="sr-only-focusable" href="/paymentsystems/int_standards.htm">International Standards for Financial Market Infrastructures</a>
878                            </li>
879                        </ul>
880                        <ul class="col-sm-3 list-unstyled col-nav">
881                            <li class="nav__header">
882                                <p>
883                                    <strong>Research, Reports, & Committees</strong>
884                                </p>
885                            </li>
886
887                            <li>
888                                <a class="sr-only-focusable" href="/paymentsystems/fr-payments-study.htm">Federal Reserve Payments Study (FRPS)</a>
889                            </li>
890
891                            <li>
892                                <a class="sr-only-focusable" href="/paymentsystems/payres_about.htm">Payments Research</a>
893                            </li>
894
895                            <li>
896                                <a class="sr-only-focusable" href="/paymentsystems/reports.htm">Reports</a>
897                            </li>
898
899                            <li>
900                                <a class="sr-only-focusable" href="/paymentsystems/pspa_committee.htm">Payments System Policy Advisory Committee</a>
901                            </li>
902                        </ul>
903                    </div>
904                </li>
905            </ul>
906        </li>
907
908        <li role="menuitem" class="dropdown nav-econ dropdown--right dropdown--2Col">
909            <a href="/econres.htm" class="sr-only-focusable" aria-haspopup="true" id="econMenu">Economic<br />Research</a>
910            <ul aria-labelledby="econMenu" role="menu" class="dropdown-menu sub-nav-group navmenu-nav">
911                <li>
912                    <div class="row">
913                        <ul class="col-sm-6 list-unstyled">
914                            <li>
915                                <a class="sr-only-focusable" href="/econres/researchers.htm">Meet the Researchers</a>
916                            </li>
917
918                            <li class="nav__header">
919                                <p>
920                                    <strong>Working Papers and Notes</strong>
921                                </p>
922                            </li>
923
924                            <li>
925                                <a class="sr-only-focusable" href="/econres/feds/index.htm">Finance and Economics Discussion Series (FEDS)</a>
926                            </li>
927
928                            <li>
929                                <a class="sr-only-focusable" href="/econres/notes/feds-notes/default.htm">FEDS Notes</a>
930                            </li>
931
932                            <li>
933                                <a class="sr-only-focusable" href="/econres/ifdp/index.htm">International Finance Discussion Papers (IFDP)</a>
934                            </li>
935                        </ul>
936                        <ul class="col-sm-6 list-unstyled">
937                            <li class="nav__header">
938                                <p>
939                                    <strong>Data, Models and Tools</strong>
940                                </p>
941                            </li>
942
943                            <li>
944                                <a class="sr-only-focusable" href="/econres/economic-research-data.htm">Economic Research Data</a>
945                            </li>
946
947                            <li>
948                                <a class="sr-only-focusable" href="/econres/us-models-about.htm">FRB/US Model</a>
949                            </li>
950
951                            <li>
952                                <a class="sr-only-focusable" href="/econres/edo-models-about.htm">Estimated Dynamic Optimization (EDO) Model</a>
953                            </li>
954
955                            <li>
956                                <a class="sr-only-focusable" href="/econres/scfindex.htm">Survey of Consumer Finances (SCF)</a>
957                            </li>
958                        </ul>
959                    </div>
960                </li>
961            </ul>
962        </li>
963
964        <li role="menuitem" class="dropdown nav-data dropdown--right dropdown--fw">
965            <a href="/data.htm" class="sr-only-focusable" id="dataMenu" aria-haspopup="true">Data</a>
966            <ul aria-labelledby="dataMenu" role="menu" class="dropdown-menu sub-nav-group navmenu-nav">
967                <li>
968                    <div class="row">
969                        <ul class="col-sm-3 col-nav list-unstyled">
970                            <li>
971                                <a class="sr-only-focusable" href="/datadownload"><span class="icon icon-ddp icon__sm"></span>Data Download Program</a>
972                            </li>
973
974                            <li class="nav__header">
975                                <p>
976                                    <strong>Bank Assets and Liabilities</strong>
977                                </p>
978                            </li>
979
980                            <li>
981                                <a class="sr-only-focusable" href="/releases/h3/current/default.htm">Aggregate Reserves of Depository Institutions and the Monetary Base - H.3</a>
982                            </li>
983
984                            <li>
985                                <a class="sr-only-focusable" href="/releases/h8/current/default.htm">Assets and Liabilities of Commercial Banks in the U.S. - H.8</a>
986                            </li>
987
988                            <li>
989                                <a class="sr-only-focusable" href="/data/assetliab/current.htm">Assets and Liabilities of U.S. Branches and Agencies of Foreign Banks</a>
990                            </li>
991
992                            <li>
993                                <a class="sr-only-focusable" href="/releases/chargeoff/">Charge-Off and Delinquency Rates on Loans and Leases at Commercial Banks</a>
994                            </li>
995
996                            <li>
997                                <a class="sr-only-focusable" href="/data/sfos/sfos.htm">Senior Financial Officer Survey</a>
998                            </li>
999
1000                            <li>
1001                                <a class="sr-only-focusable" href="/data/sloos.htm">Senior Loan Officer Opinion Survey on Bank Lending Practices</a>
1002                            </li>
1003                        </ul>
1004                        <ul class="col-sm-3 list-unstyled col-nav">
1005                            <li class="nav__header">
1006                                <p>
1007                                    <strong>Bank Structure Data</strong>
1008                                </p>
1009                            </li>
1010
1011                            <li>
1012                                <a class="sr-only-focusable" href="/releases/lbr/">U.S. Domestically Chartered Commercial Banks</a>
1013                            </li>
1014
1015                            <li>
1016                                <a class="sr-only-focusable" href="/supervisionreg/minority-depository-institutions.htm">Minority Depository Institutions</a>
1017                            </li>
1018
1019                            <li>
1020                                <a class="sr-only-focusable" href="/releases/iba/default.htm">Structure and Share Data for the U.S. Offices of Foreign Banks</a>
1021                            </li>
1022
1023                            <li class="nav__header">
1024                                <p>
1025                                    <strong>Business Finance</strong>
1026                                </p>
1027                            </li>
1028
1029                            <li>
1030                                <a class="sr-only-focusable" href="/releases/cp/">Commercial Paper</a>
1031                            </li>
1032
1033                            <li>
1034                                <a class="sr-only-focusable" href="/releases/g20/current/default.htm">
1034Finance Companies - G.20</a>
1035                            </li>
1036
1037                            <li>
1038                                <a class="sr-only-focusable" href="/data/govsecure/current.htm">New Security Issues, State and Local Governments</a>
1039                            </li>
1040
1041                            <li>
1042                                <a class="sr-only-focusable" href="/data/corpsecure/current.htm">New Security Issues, U.S. Corporations</a>
1043                            </li>
1044
1045                            <li class="nav__header">
1046                                <p>
1047                                    <strong>Dealer Financing Terms</strong>
1048                                </p>
1049                            </li>
1050
1051                            <li>
1052                                <a class="sr-only-focusable" href="/data/scoos.htm">Senior Credit Officer Opinion Survey on Dealer Financing Terms</a>
1053                            </li>
1054                        </ul>
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1063                                <a class="sr-only-focusable" href="/releases/h10/current/">Foreign Exchange Rates - H.10/G.5</a>
1064                            </li>
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1067                                <a class="sr-only-focusable" href="/data/intlsumm/current.htm">International Summary Statistics</a>
1068                            </li>
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1075                                <a class="sr-only-focusable" href="/data/statbanksus/current.htm">Statistics Reported by Banks and Other Financial Firms in the United States</a>
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1077
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1079                                <a class="sr-only-focusable" href="/releases/iba/default.htm">Structure and Share Data for U.S. Offices of Foreign Banks</a>
1080                            </li>
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1100                                <a class="sr-only-focusable" href="/releases/g19/current/default.htm">Consumer Credit - G.19</a>
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1120                                <p>
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1126                                <a class="sr-only-focusable" href="/releases/g17/current/default.htm">Industrial Production and Capacity Utilization - G.17</a>
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1142                                    <strong>Micro Data Reference Manual (MDRM)</strong>
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1147                                <a class="sr-only-focusable" href="/data/mdrm.htm">Micro and Macro Data Collections</a>
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1153                                </p>
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1157                                <a class="sr-only-focusable" href="/releases/h41/">Factors Affecting Reserve Balances - H.4.1</a>
1158                            </li>
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1160                            <li>
1161                                <a class="sr-only-focusable" href="/releases/h6/current/default.htm">Money Stock Measures - H.6</a>
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1166                                    <strong>Other</strong>
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1192                                <a class="sr-only-focusable" href="/consumerscommunities/cra_about.htm">Community Reinvestment Act (CRA)</a>
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1264                            <li>
1265                                <a class="sr-only-focusable" href="/aboutthefed/cac.htm">Community Advisory Council</a>
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1269                                <p>
1270                                    <strong>Resources for Consumers</strong>
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1275                                <a class="sr-only-focusable" href="/consumerscommunities/fraud-scams.htm">Frauds and Scams</a>
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1352                    <p>The Freedom of Information Act (<a href="https://www.justice.gov/oip/freedom-information-act-5-usc-552" target="_self">FOIA</a>), 5 U.S.C. &sect; 552, generally provides that any person has a right of access to federal agency records, unless the records (or any portion of the records) are protected from disclosure by one of FOIA's nine <a href="/foia/exemptions.htm" target="_self">exemptions</a> or by one of three special law enforcement record <a href="/foia/statute.htm#threelaws" target="_self">exclusions</a>.</p>
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1357
1358<p>You can find an overview of the Federal Reserve System in <em><a href="/aboutthefed/the-fed-explained.htm" target="_self">The Fed Explained: What the Central Bank Does</a></em>, which the Board publishes. Additionally, information about the Federal Reserve System as well as general guidance to consumers on matters related to the Board's activities can be found <a href="/consumerscommunities.htm">here</a>
1358. To find, review, and submit comments on proposals that the Board has requested public comment on, please visit our <a href="/apps/proposals">Proposals for Comment webpage</a>. For information from other federal banking regulators, you may want to search the following websites:</p>
1359
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