Topic - Banking

View: 15 All

Fed creates online portal to its community development resources

July 2014 - Community Dividend

Minneapolis Fed launches consumer credit data page

July 2014 - Community Dividend

State incentive fund helps ease North Dakota's affordable housing shortage

The North Dakota Housing Incentive Fund, a tax-incentive program to fund housing for essential workers and low- to moderate-income people, is a hit with contributors and developers alike.
Paula Woessner
July 2014 - Community Dividend

Banking activity and performance in the Bakken in 2013

Ron J. Feldman, Stacy Jolly
May 2014 - fedgazette

CFSI releases small-dollar credit products guide

April 2014 - Community Dividend

With bank support, arts organizations help build better communities

Investments in local arts and culture can create social, human, and economic capital.
Jacob Wascalus
April 2014 - Community Dividend

CDFI Fund announces $17 million in Bank Enterprise Awards

January 2014 - Community Dividend

Returning to the mortgage market post-default: The neighborhood effect

A recent analysis suggests that when it comes to reentering the mortgage market after a default, geography matters.
Michael Grover
January 2014 - Community Dividend

Ninth District Insight Report - Quarter 2, 2013

November 2013 - Ninth District Insight

Eastside Financial Center launches prepaid card with unique perks

A new prepaid card product available to households in the Twin Cities is designed to help manage cardholders' personal finances while keeping fees in check.
Ela Rausch
July 2013 - Community Dividend

Rise in smartphones puts more financial tools in the hands of the unbanked

Recent reports suggest that mobile banking's potential to reach unbanked and underbanked individuals is growing quickly
Richard M. Todd
July 2013 - Community Dividend

Ninth District Insight Report - Quarter 4, 2012

April 2013 - Ninth District Insight

In South Dakota, we trust

Thorough but business-friendly regulation has helped the state develop a niche in the growing market for trust companies
Ronald A. Wirtz
February 2013 - fedgazette

Money, and more money: Public and private trusts

South Dakota sees a strong increase in public trust companies that provide noninvestment services
Ronald A. Wirtz
February 2013 - fedgazette

New credit union promotes financial access on Pine Ridge reservation

The first-ever federally insured financial institution on the Pine Ridge Indian Reservation in South Dakota is open for business.
Paula Woessner
January 2013 - Community Dividend

Rural CDFIs: Creating connections to marketplaces: A conversation with Mary Mathews of the Entrepreneur Fund

Community Dividend speaks with Mary Mathews, founding president and CEO of the Entrepreneur Fund, to learn about the circumstances and challenges rural community development financial institutions (CD
Michou Kokodoko
January 2013 - Community Dividend

Treasury's CDFI Fund announces nearly $18 million in Bank Enterprise Awards

January 2013 - Community Dividend

Ninth District Insight Report - Quarter 2, 2012

Published by the Community Development Department of the Federal Reserve Bank of Minneapolis
December 2012 - Ninth District Insight

Control of Entity Prior to Consummation

Applications Filing Tips - November 2012
November 2012 - Banking in the Ninth

Home Equity Lines of Credit (HELOC) Periodic Statements

Consumer Affairs Update - November 2012
November 2012 - Banking in the Ninth

Junior Lien Refinancing

Safety and Soundness Update - November 2012
November 2012 - Banking in the Ninth

The Merits of Documentation: From the Viewpoint of the Supervisee

Ninth District Highlights - November 2012
Ron J. Feldman
November 2012 - Banking in the Ninth

Post-Crisis Use of Financial Market Data in Bank Supervision

2011 Annual Report Essay
Ron J. Feldman, Jason Schmidt
October 2012 - The Region

Business Correspondent model boosts financial inclusion in India

An innovative, technology-based banking model is giving people in remote areas of India access to formal financial institutions.
Anupam Kishore
October 2012 - Community Dividend

Call for papers: The eighth biennial Federal Reserve community development research conference

July 2012 - Community Dividend

Mini-banks provide hands-on education in personal finance

School-based, student-oriented banking operations teach kids the fundamentals of saving.
Jacob Wascalus
April 2012 - Community Dividend

Fed Community Development offices launch community survey initiatives

A new Reserve Bank-led initiative is designed to gather front-line information on economic conditions in low- to moderate-income communities.
Ela Rausch
January 2012 - Community Dividend

Minneapolis Fed launches Ninth District Community Insight report series

January 2012 - Community Dividend

Bank On gets its game on

Bank On, a customizable program for helping unbanked individuals join the financial mainstream, is catching on in communities across the country.
May Xiong
October 2011 - Community Dividend

Recent rule changes expand definition of community development under the CRA

New modifications to the CRA rules are designed to encourage financial institutions to help stabilize foreclosure-ravaged communities.
Paula Woessner
July 2011 - Community Dividend

Agriculture strong in fourth quarter 2010; land values and farm incomes grew

Fourth Quarter 2010 Agricultural Credit Conditions Survey
Joe Mahon
January 2011 - Agricultural Credit Conditions Survey

Interview with Gary Gorton

Yale University finance economist on the growth and collapse of shadow banking.
Douglas Clement
December 2010 - The Region

Damage Control? Analyzing Policies to Repair Credit Markets

V. V. Chari, Ali Shourideh, Ariel Zetlin-Jones
October 2010 - Economic Policy Papers

Beware of some payday loan alternatives, report says

October 2010 - Community Dividend

De novo banks: A failure of youth?

Daniel Rozycki
October 2010 - fedgazette

Farm income holds steady in third quarter 2010; outlook is positive

Third Quarter 2010 Agricultural Credit Conditions Survey
Alison Sexton
October 2010 - Agricultural Credit Conditions Survey

Fed creates online database of credit card agreements

October 2010 - Community Dividend

Interview with Eric Hardmeyer

David Fettig
September 2010 - fedgazette

This Time Is Different: Eight Centuries of Financial Folly

Book Review
Kevin L. Kliesen
September 2010 - The Region

An Antebellum Lesson

Bank insurance systems before the Civil War provide a clear message for policy today about the importance of incentives, authority and exposure to loss
Douglas Clement
September 2010 - The Region

Scale Economies Are a Distraction

The real issue for policy is credible resolution of failing financial firms, not bank size
Robert DeYoung
September 2010 - The Region

Scale Economies in Banking and Financial Regulatory Reform

Loretta J. Mester
September 2010 - The Region

Size and Regulatory Reform in Finance: Important but Difficult Questions

Ron J. Feldman
September 2010 - The Region

The Suffolk System

Douglas Clement
September 2010 - The Region

Agriculture still struggles during second quarter 2010

Sung Soo Lim
August 2010 - Agricultural Credit Conditions Survey

Come and get it—please

Banks and credit unions say they have money to lend, but credit markets are still struggling for a variety of reasons.
Ronald A. Wirtz
July 2010 - fedgazette

Board releases two new consumer education resources

July 2010 - Community Dividend

Awash in Cash

Why do China's banks hold low-yield U.S. Treasuries? A theory of economic transition
Douglas Clement
June 2010 - The Region

Federal Reserve Liquidity Programs: An Update

A review of the size, status and results of the Fed's programs to cope with crisis
Niel Willardson, LuAnne Pederson
June 2010 - The Region

Taxing Risk and the Optimal Regulation of Financial Institutions

An Economic Policy Paper on imposing a tax to eliminate risk externalities from unavoidable government bailouts
Narayana Kocherlakota
June 2010 - The Region

Too Big to Forget

A research conference at the Minneapolis Fed honors the legacy of former President Gary Stern
Joe Mahon
June 2010 - The Region

Farm income falls slightly in first quarter 2010

Alison Sexton
April 2010 - Agricultural Credit Conditions Survey

Fed launches online regulatory filing tool

April 2010 - Community Dividend

New Fed guide explains credit card rule changes

April 2010 - Community Dividend

Agricultural finances slipped slightly in the fourth quarter

Fourth Quarter 2009 Agricultural Credit Conditions Survey
Toby Madden
January 2010 - Agricultural Credit Conditions Survey

CRE: The cracked glass slipper?

CRE exposure and delinquencies are on the rise for Ninth District banks, but the full fallout is difficult to gauge
Ronald A. Wirtz
January 2010 - fedgazette

Fed offers tips for HELOC lenders and borrowers

November 2009 - Community Dividend

Gender and financial literacy: A conversation with Annamaria Lusardi of Dartmouth College

Community Dividend speaks with Dr. Annamaria Lusardi of Dartmouth College to learn about the gender gap in financial literacy and discuss how financial educators can reach women more effectiv
Ericca Maas
November 2009 - Community Dividend

Agricultural income takes a hit in the third quarter

Third Quarter 2009 Agricultural Credit Conditions Survey
Toby Madden
October 2009 - Agricultural Credit Conditions Survey

State Fact Sheet

Third Quarter 2009 Agricultural Credit Conditions Survey
October 2009 - Agricultural Credit Conditions Survey

State Fact Sheet - Outlook

Third Quarter 2009 Agricultural Credit Conditions Survey
October 2009 - Agricultural Credit Conditions Survey

Agriculture continues decline in second quarter

Second Quarter 2009 Agricultural Credit Conditions Survey
Toby Madden, Jacob Devine
August 2009 - Agricultural Credit Conditions Survey

State Fact Sheet

Second Quarter 2009 Agricultural Credit Conditions Survey
August 2009 - Agricultural Credit Conditions Survey

State Fact Sheet - Outlook

Second Quarter 2009 Agricultural Credit Conditions Survey
August 2009 - Agricultural Credit Conditions Survey

A spanking in banking

District banks struggled last year and face tough conditions going forward, but they continue to show good fundamentals to weather the storm
Ronald A. Wirtz, Brianna Wilcox
July 2009 - fedgazette

A spanking in banking: Slide presentation

Ronald A. Wirtz
July 2009 - fedgazette

Ag banks: A walk down (bad) memory lane?

Are conditions ripe for another farm crisis?
Daniel Rozycki
July 2009 - fedgazette

Credit Conditions: Some snap and crackle, but no pop

Ronald A. Wirtz
July 2009 - fedgazette

Going for broke

District personal bankruptcies are up, but changes in federal law keep them low by historical standards.
Joe Mahon
July 2009 - fedgazette

Historic performance indicators

July 2009 - fedgazette

Methodology: Credit conditions polls of businesses and financial professionals

July 2009 - fedgazette

Another reason to love country living

Kansas City Fed's Wilkerson talks about prices in rural housing markets
May 2009 - fedgazette

Tingerthal joins Consumer Advisory Council

May 2009 - Community Dividend

What is the outlook for early season home sales in your community?

May 2009 - fedgazette

Agriculture declines during the first quarter of 2009

Toby Madden
April 2009 - Agricultural Credit Conditions Survey

Did the CRA cause the mortgage market meltdown?

Two Federal Reserve economists examine whether available data support critics' claims that the Community Reinvestment Act spawned the subprime mortgage crisis.
Neil Bhutta, Glenn B. Canner
March 2009 - Community Dividend

Strengthening the Earned Income Tax Credit: Alternatives to refund anticipation loans

A collaborative effort in the Ninth Federal Reserve District has created an alternative to traditional refund anticipation loans that gives workers fast access to tax refunds at little cost.
Sandy Gerber
March 2009 - Community Dividend

Agriculture slips in the fourth quarter of 2008

Agricultural Credit Conditions Survey
Toby Madden
January 2009 - Agricultural Credit Conditions Survey

Bringing the credit home

Expanded credit programs and lending from the Minneapolis Fed
Daniel Rozycki
January 2009 - fedgazette

Driving a hard bargain

Tighter credit in the district may be adding to the woes of auto dealers
Phil Davies
January 2009 - fedgazette

Has your company’s access to credit deteriorated over the past three months?

District Map
January 2009 - fedgazette

Home to roost

As the housing mortgage industry reevaluates creditworthiness, some players and markets are shrinking, while others see opportunity
Joe Mahon
January 2009 - fedgazette

Raising the credit bar, or getting clubbed by it?

Credit is tightening, but there is a fine line between tighter credit and a so-called credit crunch
Ronald A. Wirtz
January 2009 - fedgazette

Actions to Restore Financial Stability

A summary of recent Federal Reserve initiatives
Niel Willardson
December 2008 - The Region

Too Big to Fail: The Way Forward

Top of the Ninth
Gary H. Stern
December 2008 - The Region

A question of credit

The credit enhancement market is in flux, which leads to some navel gazing over municipal bond offerings
Ronald A. Wirtz
November 2008 - fedgazette

Auction-rate fireworks: Ooh, aah, ouch

Once a useful and sophisticated tool for cheap financing, issuers discover the dark side of more exotic bonds
Ronald A. Wirtz
November 2008 - fedgazette

Directo a Mexico helps customers join the financial system

The Directo a Mexico remittance service could have two major benefits: helping financial institutions in the U.S. compete more effectively in the money-transfer market, and increasing the number of Me
Michael Grover, Jimmy Nguyen
November 2008 - Community Dividend

Fed launches online guide to mortgage refinancing

November 2008 - Community Dividend

How are tighter credit markets affecting commercial building and real estate sales in your area?

District Voices
November 2008 - fedgazette

Looks like a bank, doesn’t act like one

Wisconsin State Roundup
November 2008 - fedgazette

Oglala Sioux and State of South Dakota sign historic lien-filing agreement

A newly signed UCC lien-filing agreement between the Oglala Sioux Tribe and the State of South Dakota is designed to facilitate business and consumer lending on the Pine Ridge Indian Reservation.
Sue Woodrow, Dani Daugherty
November 2008 - Community Dividend

The bonds of debt

The recent financial crisis blew a hole in the municipal bond market. But it has been shifting for more than a year.
Ronald A. Wirtz
November 2008 - fedgazette

State Fact Sheet - Outlook

Third Quarter 2008 Agricultural Credit Conditions Survey
October 2008 - Agricultural Credit Conditions Survey

“Current agricultural conditions are positive”

Agricultural Credit Conditions Survey
Toby Madden
October 2008 - Agricultural Credit Conditions Survey

Limiting Spillovers Through Focused Supervision

Top of the Ninth
Gary H. Stern
September 2008 - The Region

The Rise and Fall of Nicholas Biddle

Brilliant and seemingly destined for greatness, America’s first central banker failed when put to the test in the Bank War
Phil Davies
September 2008 - The Region

The “Monster” of Chestnut Street

The life and death of the Second Bank of the United States is a cautionary tale about the exercise of monetary power
Phil Davies
September 2008 - The Region

Tracking "fringe banking"

The location of alternative financial services in the district shows that they serve a distinct market
Joe Mahon
September 2008 - fedgazette

Agricultural boom loses some steam

Agricultural Credit Conditions Survey
Toby Madden, Mai Yang
August 2008 - Agricultural Credit Conditions Survey

Licentious Behavior

Should mortgage brokers face tougher licensing regulations? In light of the mortgage meltdown, many think the answer is an obvious yes, but recent research urges caution.
Douglas Clement
June 2008 - The Region

The History of a Powerful Paragraph

Section 13(3) enacted Fed business loans 76 years ago
David Fettig
June 2008 - The Region

The rise of occupational licensing

More and more U.S. jobs are covered by licenses, and the wage effect is substantial.
Douglas Clement
June 2008 - The Region

Agricultural boom continues, but what lies ahead?

Agricultural Credit Conditions Survey
Toby Madden
May 2008 - Agricultural Credit Conditions Survey

Credit scoring and the credit-underserved population

There are new means of credit scoring in development that can help underserved consumers enter the mainstream American credit market.
Ericca Maas
May 2008 - Community Dividend

Managing the Expanded Safety Net

Gary H. Stern, Ron J. Feldman
May 2008 - Annual Reports

Managing the Expanded Safety Net

2007 Annual Report Essay
Gary H. Stern, Ron J. Feldman
May 2008 - The Region

Message from the First Vice President

2007 Annual Report: Operations
James M. Lyon
May 2008 - The Region

Message from the President

2007 Annual Report
Gary H. Stern
May 2008 - The Region

New data analysis helps identify future foreclosure trouble spots

An analysis conducted by the Minneapolis Fed and the Federal Reserve Board reveals which areas of the Twin Cities region are at greatest risk of becoming mortgage foreclosure hotspots.
Andreas Lehnert, Michael Grover
May 2008 - Community Dividend

Too Big To Fail: The Hazards of Bank Bailouts

2007 Annual Report: Excerpts from the 2004 book by Gary H. Stern and Ron J. Feldman.
Gary H. Stern, Ron J. Feldman
May 2008 - The Region

Agricultural conditions solid

Toby Madden
January 2008 - Agricultural Credit Conditions Survey

Community Affairs releases mortgage broker regulation report

January 2008 - Community Dividend

Fed creates one-stop help center for consumers

January 2008 - Community Dividend

Treasury announces New Markets Tax Credit allocations

January 2008 - Community Dividend

Addressing the Trade-offs: Market Discipline, Stability and Communication

Top of the Ninth
Gary H. Stern
December 2007 - The Region

FFIEC releases 2006 HMDA data

November 2007 - Community Dividend

Good times for agriculture

Agricultural Credit Conditions Survey
Toby Madden
October 2007 - Agricultural Credit Conditions Survey

Adjusting for offshore loans

September 2007 - The Region

Are Banks Really Dying This Time?

An update of Boyd and Gertler.
Ron J. Feldman, Mark Lueck
September 2007 - The Region

Credit risk data may help target foreclosure mitigation

Richard M. Todd, Laura Smith, Michael Grover
September 2007 - fedgazette

Interview with Frederic Mishkin

Federal Reserve governor and prominent macroeconomist, Frederic Mishkin, on bank supervision, moral hazard, financial globalization and other topics.
Gary H. Stern
September 2007 - The Region

The Bank that Hamilton Built

At the dawn of the Republic, the First Bank of the United States created a model for American financial markets and monetary policy that endures to this day.
Phil Davies
September 2007 - The Region

A little cooler than hot

South Dakota State Roundup
July 2007 - fedgazette

Agricultural finances strong

Toby Madden
July 2007 - Agricultural Credit Conditions Survey

Financing Community Development: Learning from the Past, Looking to the Future -- Conference papers now available

July 2007 - Community Dividend

Report examines credit use in low-income markets

July 2007 - Community Dividend

Financial Innovation and the Fed

Top of the Ninth
Gary H. Stern
June 2007 - The Region

2006 Financial Statements

2006 Annual Report
May 2007 - The Region

2006 by the Numbers

2006 Operations Report
May 2007 - The Region

Bank exposure to ethanol

Is ethanol expansion putting investing banks at risk?
Mark Lueck, Jay Hendrickson
May 2007 - fedgazette

CFED issues IDA survey results

May 2007 - Community Dividend

Credit union growth slowing

Wisconsin State Roundup
May 2007 - fedgazette

Has the increase in foreclosures in the subprime mortgage sector had any effect on your business, or had a noticeable effect on local housing conditions? How so?

District Voices
May 2007 - fedgazette

Message from the First Vice President

Federal Reserve Bank of Minneapolis 2006 Operations Report
James M. Lyon
May 2007 - The Region

Minneapolis launches Alternative Financing Program

May 2007 - Community Dividend

Farmers optimistic for 2007

Agricultural Credit Conditions Survey
Toby Madden
April 2007 - Agricultural Credit Conditions Survey

2005 revisions define new CRA-eligible geographic areas

An analysis of recent changes to the Community Reinvestment Act (CRA) reveals that the CRA landscape in the Ninth Federal Reserve District has changed greatly, and investments routinely made in large
Michael Grover
March 2007 - Community Dividend

CRA exam basics and Ninth District breakdown

A description of the Community Reinvestment Act (CRA) examination process and assessment of how the Minneapolis Fed's member banks fare in terms of their CRA compliance.
Paula Woessner
March 2007 - Community Dividend

Fed unveils Web site for bank directors

March 2007 - Community Dividend

Nontraditional data could help many get mainstream loans, study finds

March 2007 - Community Dividend

Regulators revise adjustable-rate mortgage handbook

March 2007 - Community Dividend

Agriculture bounces back in fourth quarter 2006

Agricultural Credit Conditions Survey
Toby Madden
January 2007 - Agricultural Credit Conditions Survey

Rethinking Bank Regulation: Till Angels Govern

Book Review
Ron J. Feldman
December 2006 - The Region

Agriculture slips during third quarter

Agricultural Credit Conditions Survey
Toby Madden
October 2006 - Agricultural Credit Conditions Survey

2006 Bank Enterprise Awards announced

September 2006 - Community Dividend

Borrowers of color receive pricier mortgages, study finds

September 2006 - Community Dividend

Changes Resulting from FIRREA and FDICIA

Niel Willardson, Jackie Brunmeier
September 2006 - The Region

Perspectives on Current Banking Issues

Top of the Ninth
Gary H. Stern
September 2006 - The Region

Supervisory Enforcement Actions Since FIRREA and FDICIA

“Arbitrary, Draconian and Inflexible,” or a Model of Regulatory Restraint?
Niel Willardson, Jackie Brunmeier
September 2006 - The Region

Types of Enforcement Actions

Niel Willardson, Jackie Brunmeier
September 2006 - The Region

End of the (credit) line?

Rising interest rates haven’t increased loan delinquencies—yet.
Joe Mahon
July 2006 - fedgazette

Tough second quarter for agricultural producers

Agricultural Credit Conditions Survey
Toby Madden
July 2006 - Agricultural Credit Conditions Survey

Managing Too Big To Fail by Reducing Systemic Risk: Some Recent Developments

Recent developments include three important initiatives.
Gary H. Stern, Ron J. Feldman
June 2006 - The Region

The Interchange Fee Debate: Issues and Economics

Merchants are seeking relief from rising credit card fees, but the economics are complex and near-term resolution seems unlikely.
James M. Lyon
June 2006 - The Region

Message from the First Vice President

2005 Annual Report - Operations Report
James M. Lyon
May 2006 - The Region

Farm profits down slightly in first quarter; may dip further in second

Agricultural Credit Conditions Survey
Toby Madden
April 2006 - Agricultural Credit Conditions Survey

A model law

A newly drafted model law may help bring loans to Indian Country.
Douglas Clement
March 2006 - fedgazette

A super model: New secured transaction code offers legal uniformity, economic promise for Indian Country

A recently completed model law that covers a type of commerce called "secured transactions" could provide the legal structure and consistency American Indian tribes need to facilitate borrowing from o
Paula Woessner
March 2006 - Community Dividend

Can HMDA data herald neighborhood changes?

For years, researchers have used data collected under the Home Mortgage Disclosure Act (HMDA) to examine important fair lending issues. Could HMDA data also be used to collect neighborhood-level anal
Michael Grover
March 2006 - Community Dividend

Capital idea

Native CDFIs are providing much-needed credit in Indian Country.
Douglas Clement
March 2006 - fedgazette

Farm profits up in 2005, but dark clouds are on the horizon

Agricultural Credit Conditions Survey
Toby Madden, Ross Mattson
January 2006 - Agricultural Credit Conditions Survey

Economic Research and the Role of the Federal Reserve in Payments

Top of the Ninth
Gary H. Stern
December 2005 - The Region

Mr. Peyton's Bank

Through hard work and force of personality, John Peyton transformed the Minneapolis Fed into a source of strength and succor in turbulent times.
Phil Davies
December 2005 - The Region

Policy summit highlight: CRA changes create new bank category

Changes to the Community Reinvestment Act were a focus of a recent policy summit sponsored by Local Initiatives Support Corporation and the Federal Reserve Bank of Minneapolis.
Theresa Bauer
November 2005 - Community Dividend

Despite large harvest, ag lenders worry

Agricultural Credit Conditions Survey
Toby Madden
October 2005 - Agricultural Credit Conditions Survey

Addressing TBTF When Banks Merge: A Proposal

Bank mergers provide unique opportunities for TBTF policy reform.
Gary H. Stern, Ron J. Feldman
September 2005 - The Region

Payments System Issues and Challenges

Top of the Ninth
Gary H. Stern
September 2005 - The Region

Dealer, heal thyself

Consumer-unfriendly tactics plague sales.
Ronald A. Wirtz
July 2005 - fedgazette

Ginnie Mae I buy a manufactured home?

Secondary financial markets could boost the industry.
Ronald A. Wirtz
July 2005 - fedgazette

Many agricultural lenders report increased farm income in the second quarter

Agricultural Credit Conditions Survey
Toby Madden
July 2005 - Agricultural Credit Conditions Survey

Fed guide explains Check 21 changes

May 2005 - Community Dividend

Message from the First Vice President

2004 Annual Report--Operations Report
James M. Lyon
May 2005 - The Region

District agricultural producers benefited from strong prices

Agricultural Credit Conditions Survey
Toby Madden
April 2005 - Agricultural Credit Conditions Survey

University Bank receives corporate citizenship award

March 2005 - Community Dividend

Ag conditions were solid despite cool weather

Agricultural Credit Conditions Survey
Toby Madden
January 2005 - fedgazette

Ag year ends on high note

Good crop yields and strong prices for animal products reported
Toby Madden
January 2005 - Agricultural Credit Conditions Survey

Community banks full of change

Small-town banks thrive in new banking environment, but face myriad competitors.
Ronald A. Wirtz
January 2005 - fedgazette

Lotsa de novos? Follow the money

Jason Schmidt
January 2005 - fedgazette

Interview with Jean-Claude Trichet

The European Central Bank president and Minneapolis Fed President Gary Stern discuss ECB accomplishments and challenges, as well as issues of concern to both central banks.
Gary H. Stern
December 2004 - The Region

The Private and Public Risks of Banking

Top of the Ninth
Gary H. Stern
December 2004 - The Region

A bank by any other name

Jason Schmidt
November 2004 - fedgazette

Banking trends in a county near you

Geographic differences are not all that great between urban, fringe and rural counties.
Jason Schmidt
November 2004 - fedgazette

Consolidated brothers

Ronald A. Wirtz
November 2004 - fedgazette

District Banking Maps

District Maps: Number of Bank Offices and Number of Bank offices per 10,000 People
November 2004 - fedgazette

FedACH lowers rates, expands services in Mexico

November 2004 - Community Dividend

In banking, less can equal more

Though consolidation continues, banking services have nonetheless expanded considerably throughout the Ninth District.
Jason Schmidt, Ronald A. Wirtz
November 2004 - fedgazette

Loosening the strings of regulation

Federal and state deregulation has opened new markets for district banks
Ronald A. Wirtz
November 2004 - fedgazette

Too much of a good thing?

Is the Ninth District overbanked?
Ronald A. Wirtz
November 2004 - fedgazette

Uniquely declining

Ronald A. Wirtz
November 2004 - fedgazette

VITA sites provide outreach, tax help to low-income workers

Millions of Americans could receive valuable refunds during the next tax season, provided they file for a federal tax credit designed to assist low-income people. A related program providing free tax
Brad Bly
November 2004 - Community Dividend

Ag conditions were solid despite cool weather

Agricultural Credit Conditions Survey
Toby Madden
October 2004 - Agricultural Credit Conditions Survey

A fast, variable-speed mortgage roller coaster

A strong district mortgage market, but marked differences among metro areas.
Colbey Sullivan
September 2004 - fedgazette

Bank Web sites double in four years

Toby Madden
September 2004 - fedgazette

Historical Perspectives on Form and Function

The evolution of the Fed through the years.
James McAfee
September 2004 - The Region

Secured Transaction Codes: An Important Tool for Tribal Economic and Housing Development

A discussion of how commercial codes are important tools for enabling and supporting tribal economic and housing development by improving access to commercial and consumer credit.
Sue Woodrow
September 2004 - Community Development Papers

Solid performance marked by district publicly traded companies

Andrew Savaloja, Rob Grunewald
September 2004 - fedgazette

A unique partnership provides housing help in Montana

Glacier Affordable Housing Foundation is helping make homeownership a reality for creditworthy low- and moderate-income families in northwest Montana.
Sue Woodrow
August 2004 - Community Dividend

For seniors, reverse borrowing can be a financial step forward

Reverse mortgages are designed to supply an income stream while allowing seniors to stay in their homes.
Paula Woessner
August 2004 - Community Dividend

GAO releases statement on predatory lending

August 2004 - Community Dividend

Ag conditions remain strong despite cool weather

Agricultural Credit Conditions Survey
Toby Madden
July 2004 - Agricultural Credit Conditions Survey

Banking on the fringe

Payday and title loans continue their popularity despite efforts to regulate the industry.
Joe Mahon
July 2004 - fedgazette

Banking Regulation: The Focus Returns to the Consumer

A renewed emphasis on consumer protection while maintaining safety and soundness.
Jason Schmidt, Niel Willardson
June 2004 - The Region

Payments Evolution or Revolution?

Minneapolis Fed First Vice President James Lyon reviews trends in the payments system.
James M. Lyon
June 2004 - The Region

Banking as destiny?

FDIC's John Anderlik looks at rural communities and their banks
David Fettig
May 2004 - fedgazette

Message from the First Vice President

2003 Annual Report: Operations
James M. Lyon
May 2004 - The Region

High prices prompt strong ag conditions

Agricultural Credit Conditions Survey
Toby Madden
April 2004 - Agricultural Credit Conditions Survey

Lenders optimistic following a strong fourth quarter

Agricultural Credit Conditions Survey
Toby Madden
March 2004 - Agricultural Credit Conditions Survey

A History of the Federal Reserve, Volume 1: 1913-1951

Marvin Goodfriend
December 2003 - The Region

China's Rich but Troubled Banking Sector

Douglas Clement
December 2003 - The Region

Interview with Ping Xie

Director-General of the Research Bureau People's Bank of China
Arthur J. Rolnick
December 2003 - The Region

Too Big To Fail: The Hazards of Bank Bailouts

Excerpt from Too Big To Fail: The Hazards of Bank Bailouts
Gary H. Stern, Ron J. Feldman
December 2003 - The Region

Recent ECOA amendments allow lenders an exception for self-testing

A summary of recent changes to Regulation B-the Equal Credit Opportunity Act.
Lynn Severson-Meyer
November 2003 - Community Dividend

Drought led to mediocre third quarter, but end-of-year outlook buoyant

Agricultural Credit Conditions Survey
Amy Stittsworth, Toby Madden
October 2003 - Agricultural Credit Conditions Survey

Cash me out

Record numbers seek debt relief through bankruptcy
Frank Jossi
September 2003 - fedgazette

Community bank Web sites offer personal touch

Fifth annual review of Ninth District bank Web sites
Toby Madden
September 2003 - fedgazette

Real bills and the Federal Reserve

Douglas Clement
September 2003 - The Region

Remembering Frederick Deming

Frederick Deming, former president of the Federal Reserve Bank of Minneapolis died August 2003.
September 2003 - The Region

A conversation with ... Kou Vang of JB Realty

Community Dividend speaks with Kou Vang, a Hmong business leader, about credit availability and the economic evolution of the Twin Cities Hmong community.
August 2003 - Community Dividend

Credit availability: A snapshot of the Hmong business community in Minneapolis and St. Paul

A Federal Reserve study examines credit markets from the borrowers' perspective
Arthur J. Rolnick, David Fettig
August 2003 - Community Dividend

Fed luncheon focuses on credit access in the Twin Cities Hmong community

Lenders, community development professionals and small business owners gathered in St. Paul to discuss lessons learned from the Federal Reserve's study of credit access in the Twin Cities Hmong commun
Paula Woessner
August 2003 - Community Dividend

HMDA changes are on the way; new rules take effect in 2004

2004 revisions to the Home Mortgage Disclosure Act will increase the amount and types of public information about residential real estate lending.
Karin Modjeski Bearss
August 2003 - Community Dividend

Meeks appointed to Fed council

August 2003 - Community Dividend

First-quarter ag survey shows west and east are hurting

Toby Madden
July 2003 - Agricultural Credit Conditions Survey

First-quarter ag survey shows west and east are hurting

First Quarter 2003 Agricultural Credit Conditions Survey
Toby Madden
July 2003 - fedgazette

Lenders expect agriculture finances to increase this year

Agricultural Credit Conditions Survey
Toby Madden
July 2003 - Agricultural Credit Conditions Survey

About the Federal Deposit Insurance Corp.

June 2003 - The Region

Achieving the Objectives of Regulatory Restructuring

Top of the Ninth
Gary H. Stern
June 2003 - The Region

Interview with Donald E. Powell

The chairman of the Federal Deposit Insurance Corp. shares his thoughts on regulatory reform, the value of market data and other issues with Minneapolis Fed President Gary Stern.
Gary H. Stern
June 2003 - The Region

Agriculture up in Minnesota and eastern Dakotas, but down in Montana and western Dakotas

Agricultural Credit Conditions Survey
Toby Madden
May 2003 - Agricultural Credit Conditions Survey

Between Two Worlds. How Do Credit Markets Work?

Arthur J. Rolnick, David Fettig
May 2003 - Annual Reports

Between Two Worlds: How Do Credit Markets Work?

2002 Annual Report Essay: An investigation into credit availability in the Minneapolis-St. Paul Hmong community.
Arthur J. Rolnick, David Fettig
May 2003 - The Region

CRA: A brief introduction

2002 Annual Report
May 2003 - The Region

Message from the First Vice President

2002 Annual Report: Operations Report
James M. Lyon
May 2003 - The Region

Message from the President

2002 Annual Report
Gary H. Stern
May 2003 - The Region

Agricultural conditions mixed in third quarter

Third Quarter 2002 Agricultural Credit Conditions Survey
Toby Madden
January 2003 - fedgazette

Agricultural conditions mixed in third quarter

Agricultural Credit Conditions Survey
Toby Madden
January 2003 - Agricultural Credit Conditions Survey

Exchange Roller Coasters: Where's the steering wheel, and does it work?

The strong dollar-weak dollar debate and the vagaries of currency exchange rate regimes.
Ronald A. Wirtz
December 2002 - The Region

Financial Literacy Education: A Potential Tool for Reducing Predatory Lending?

A review of studies on the effectiveness of financial literacy training and whether such training results in responsible financial decision making by consumers.
Richard M. Todd
December 2002 - The Region

How the Fed Made Section 13(b) Loans

David Fettig
December 2002 - The Region

Interview with Anne O. Krueger

Anne Krueger, the first deputy managing director of the International Monetary Fund, discusses currency boards, the resilient world economy and other issues.
Arthur J. Rolnick
December 2002 - The Region

Lender of More Than Last Resort

Recalling Section 13(b) and the years when the Federal Reserve banks opened their discount windows to district businesses in times of economic stress.
David Fettig
December 2002 - The Region

Mother Nature hits farmers and ranchers in second quarter

Agricultural Credit Conditions Survey
Benjamin Knelman, Toby Madden
November 2002 - fedgazette

Federal Reserve Governor Bies tours St. Paul neighborhoods

Federal Reserve Governor Susan Schmidt Bies began her first official visit to the Ninth District with a community development tour of two inner-city neighborhoods in St. Paul.
Paula Woessner
November 2002 - Community Dividend

First Accounts awards grants

November 2002 - Community Dividend

Bank Web sites address privacy concerns—customers and their own

Toby Madden
September 2002 - fedgazette

Mother Nature hits farmers and ranchers in second quarter

Agricultural Credit Conditions Survey
Benjamin Knelman, Toby Madden
September 2002 - Agricultural Credit Conditions Survey

Mother Nature hits farmers and ranchers in second quarter

Benjamin Knelman, Toby Madden
September 2002 - fedgazette

Alternative financing: Issues and opportunities for lenders and interest-averse populations

There is great demand among Muslims and certain other faith-based populations for alternative financial products that will provide access to credit in a manner consistent with their religious beliefs.
Nikki Foster, Nicole Bennett, Margaret Tyndall
August 2002 - Community Dividend

Agricultural finances weaken

First-quarter 2002 agricultural credit conditions survey
Toby Madden
July 2002 - fedgazette

Interview with Gary Becker

Nobel prize-winning economist discusses his views on moral hazard in banking, his work on the economics of crime and more.
Douglas Clement
June 2002 - The Region

Agricultural Financial Performance Weakens

Results of the March 2002 agricultural credit survey.
Toby Madden
May 2002 - fedgazette

Agricultural Financial Performance Weakens

Agricultural Credit Conditions Survey
Toby Madden
May 2002 - Agricultural Credit Conditions Survey

Mortgage Rates, Homeownership Rates, and Government-Sponsored Enterprises

Ron J. Feldman
May 2002 - Annual Reports

Mortgage Rates, Homeownership Rates, and Government-Sponsored Enterprises

2001 Annual Report Essay: A review of studies on the effects mortgage rates have on homeownership and, in particular, the role of Fannie Mae and Freddie Mac, government-sponsored entities.
Ron J. Feldman
April 2002 - The Region

President's Message

2001 Annual Report: Gary Stern, president of the Federal Reserve Bank of Minneapolis, comments on the government's role in increasing homeownership rates, the topic of the 2001 annual report's essay.
Gary H. Stern
April 2002 - The Region

Farmers' and ranchers' financial conditions deteriorate slightly

Agricultural Credit Conditons Survey, Fourth Quarter 2001
Toby Madden
January 2002 - fedgazette

Farmers' and ranchers' financial conditions deteriorate slightly

Agricultural Credit Conditions Survey
Toby Madden
January 2002 - Agricultural Credit Conditions Survey

Have current low financing rates affected your business decisions?

District Voices
January 2002 - fedgazette

Interview with Tommaso Padoa-Schioppa

A charter member of the Executive Board of the European Central Bank discusses the evolution of that institution, the upcoming rollout of the euro in 12 European countries and how the ECB and the Fed
Arthur J. Rolnick
December 2001 - The Region

The European Central Bank

December 2001 - The Region

The Federal Reserve and Electronic Payments: What do considerations of principle, experience and reputation tell us?

Top of the Ninth
Gary H. Stern
December 2001 - The Region

Beige Book reflects weakened economic conditions in district

November 2001 - fedgazette

Financial condition of farmers and ranchers varies across the district

Results of the Minneapolis Fed's August 2001 agricultural credit survey.
Toby Madden
November 2001 - fedgazette

Financial condition of farmers and ranchers varies across the district

Agricultural Credit Conditions Survey
Toby Madden
November 2001 - Agricultural Credit Conditions Survey

Dividing the Country into Federal Reserve Districts

David Hammes
September 2001 - The Region

Harnessing Market Discipline

Alan Greenspan
September 2001 - The Region

Interpreting Market Data Signals

Jason Schmidt
September 2001 - The Region

Locating Federal Reserve Districts and Headquarters Cities

What determined district boundaries and Fed headquarters cities in 1914? A review of the writings of Henry Parker Willis gives us an idea.
David Hammes
September 2001 - The Region

Market Data Sources in More Detail

Ron J. Feldman, Jason Schmidt
September 2001 - The Region

Market Data and Bank Supervision: The Transition to Practical Use

Incorporating market data into the examination process.
Ron J. Feldman, Mark Levonian
September 2001 - The Region

Ninth District bank Web sites increase services

Toby Madden
September 2001 - fedgazette

Ninth District banking conditions from the examiners' viewpoint

Ron J. Feldman, Jason Schmidt, Niel Willardson
September 2001 - fedgazette

Taking Market Data Seriously

Gary H. Stern
September 2001 - The Region

Using Market Data for a Variety of Institutions

Jason Schmidt
September 2001 - The Region

Using Market Data in the Supervisory Process

Introduction to the Symposium
Ron J. Feldman, Jason Schmidt
September 2001 - The Region

Willis' Choice of Headquarters Cities and Selection Criteria

Criteria for Federal Reserve Head Offices
David Hammes
September 2001 - The Region

Community development under the CRA: Review of the 1995 regulations begins

With review of the current Community Reinvestment Act (CRA) regulations imminent, Community Dividend presents an overview of the definition of community development under the CRA.
Margaret Tyndall
August 2001 - Community Dividend

Fed Governor Gramlich discusses the problem of predatory lending

Federal Reserve Governor Edward M. Gramlich discusses the common elements of predatory loans and draws distinctions between predatory lending and subprime lending.
Edward M. Gramlich
August 2001 - Community Dividend

Capital Spending by Ninth District State

Capital Spending Charts
July 2001 - fedgazette

Little change in overall finances of district farmers and ranchers

Agricultural Credit Conditions Survey
Toby Madden
July 2001 - Agricultural Credit Conditions Survey

Little change in overall finances of district farmers and ranchers

Second Quarter (May 2001) agricultural credit conditions survey
Toby Madden
July 2001 - fedgazette

Bank Funding: Challenges ahead but no crisis

Top of the Ninth
Gary H. Stern
June 2001 - The Region

Calming the Panics of the Great Depression: The creation of effective Federal Reserve and banking policy

2000-2001 Student Essay Contest Winner
Kelly Brooks
June 2001 - The Region

Catching up with Lawrence Lindsey

Once a Fed governor considering monetary policy, now head of the president’s National Economic Council pondering fiscal policy.
David Fettig
June 2001 - The Region

Sterilized fx: They may attract attention and make people feel good, but ultimately they're all show and no dough

A look at the way governments intervene on behalf of their currency to bolster or weaken value against other world currencies, in particular the European Central Bank's September 2000 initiative.
David Fettig
June 2001 - The Region

The Code Book

Book Review
Richard M. Todd
June 2001 - The Region

District farm outlook uncertain, but North Dakota upbeat

First quarter 2001 agricultural conditions survey
Toby Madden
May 2001 - fedgazette

District farm outlook uncertain, but North Dakota upbeat

Agricultural Credit Conditions Survey
Toby Madden
May 2001 - Agricultural Credit Conditions Survey

Thoughts on the Fed's Role in the Payments System

Edward J. Green, Richard M. Todd
May 2001 - Annual Reports

Functions Complementary to the Core

2000 Annual Report
Edward J. Green, Richard M. Todd
April 2001 - The Region

Interbank Settlement and the Emergence of Central Banks

2000 Annual Report
Edward J. Green, Richard M. Todd
April 2001 - The Region

Message from the President

2000 Annual Report: Comments by Gary Stern, president of the Federal Reserve Bank of Minneapolis, "...[the essay] provides a useful framework to think about the Federal Reserve's role in the evolving
Gary H. Stern
April 2001 - The Region

Thoughts on the Fed's Role in the Payments System

2000 Annual Report: This year's annual report essay explores the structuring of a new, all-embracing payments system aligned with the Reserve Banks' mission, and one which will best serve the public i
Edward J. Green, Richard M. Todd
April 2001 - The Region

Increased use of uninsured deposits

Implications for market discipline
Ron J. Feldman, Jason Schmidt
March 2001 - fedgazette

District farmers and ranchers in better financial condition

Agricultural Credit Conditions Survey
Toby Madden
January 2001 - Agricultural Credit Conditions Survey

District farmers and ranchers in better financial condition

Fourth Quarter 2000 Agricultural Credit Conditions Survey
Toby Madden
January 2001 - fedgazette

Farm Income and Spending Charts

Fourth Quarter 2000 Agricultural Credit Conditions Survey
January 2001 - fedgazette

Letters to the editor

Reader comments on fedgazette articles
January 2001 - fedgazette

When Genius Failed: The Rise and Fall of Long-Term Capital Management

Book Review
Ron J. Feldman
December 2000 - The Region

How do lenders set interest rates on loans?

A discussion of the concepts lenders use to determine interest rates.
Matthew D. Diette
November 2000 - Community Dividend

A Chronology of Banking in Lyon County

Appendix 1: Banks in 1916
David S. Dahl
October 2000 - fedgazette

A helping hand, or new age loan sharking?

Amid growing market demand for nonbank financial services, critics decry abuse by and high costs of industry
Ronald A. Wirtz
October 2000 - fedgazette

Ag finances improve, but farmers still struggling

Agricultural Credit Conditions Survey
Toby Madden
October 2000 - Agricultural Credit Conditions Survey

Ag finances improve, but farmers still struggling

Third Quarter 2000 Agricultural Credit Conditions Survey
Toby Madden
October 2000 - fedgazette

Banking history reflects the life of a community

Former Minneapolis Fed economist David Dahl reported on 100 years of banking in Lyon County, Minn., at a fall 1999 conference, "Business and Banking in the Countryside," sponsored by the Rural and Reg
David S. Dahl
October 2000 - fedgazette

Buyer beware

Despite high costs and warnings from consumer groups, the market for payday loans and other convenience-based financial services continues to grow. What gives?
Ronald A. Wirtz
October 2000 - fedgazette

Financial modernization, the FHLB and agricultural banks

Ron J. Feldman, Jason Schmidt
October 2000 - fedgazette

Growing Deposits and Loans on the Prairie Eighty-five Years of Banking in Lyon County

David S. Dahl
October 2000 - fedgazette

Minnesota Fringe Banking

October 2000 - fedgazette

Montana Fringe Banking

October 2000 - fedgazette

Ninth District Bank Web Sites

Table: Percent of reviewed sites that contained the feature as of May 1, 2000
Toby Madden
October 2000 - fedgazette

Ninth District bank Web sites become more sophisticated

Toby Madden
October 2000 - fedgazette

North Dakota Fringe Banking

October 2000 - fedgazette

South Dakota Fringe Banking

October 2000 - fedgazette

Will that be cash, check or debtor's hell?

Ronald A. Wirtz
October 2000 - fedgazette

Wisconsin Fringe Banking

October 2000 - fedgazette

About the Securities and Exchange Commission

September 2000 - The Region

Breaching the "Buckskin Curtain"

Thanks to growing wealth on some reservations, banks—including a handful owned by tribes—see untapped markets but face obstacles to banking in Indian Country.
Ronald A. Wirtz
September 2000 - The Region

Interview with Arthur Levitt

The chairman of the U.S. Securities and Exchange Commission talks with Fed President Gary Stern about the SEC's regulatory functions and the importance of investor education, among other issues.
Gary H. Stern
September 2000 - The Region

Thoughts on Designing Credible Policies After Financial Modernization: Addressing too big to fail and moral hazard

Top of the Ninth
Gary H. Stern
September 2000 - The Region

Ag bankers see improving conditions

In the midst of a mostly dour farm economy, ag bankers in the Ninth District are reporting improved financial conditions
Toby Madden
July 2000 - fedgazette

Ag bankers see improving conditions-In the midst of a mostly dour farm economy, ag bankers in the Ninth District are reporting improved financial conditions

Agricultural Credit Conditions Survey
Toby Madden
July 2000 - Agricultural Credit Conditions Survey

Interest rate risk: What is it, why banks would want it, and how to evaluate it

Ron J. Feldman, Jason Schmidt
July 2000 - fedgazette

1999 Annual Report: Financial Statements

June 2000 - The Region

Central Bank of Brazil

Focus on Central Banks
June 2000 - The Region

FDIC Reform: Use the Market to Monitor Big Banks

Guest Editorial: Chris Farrell, BusinessWeek writer and TV and radio host, discusses the need for federal deposit insurance reform.
Chris Farrell
June 2000 - The Region

Interview with Roger W. Ferguson Jr.

The Federal Reserve Board Vice Chairman shares his thoughts on the economic forecasting tools available to Fed policymakers and public policy issues facing the nation's retail payments system.
David Levy
June 2000 - The Region

The Greenspan Effect: Words That Move the World's Markets

Book Review
Kevin L. Kliesen
June 2000 - The Region

The Legacy of the Separation of Banking and Commerce Continues in Gramm-Leach-Bliley

Randall S. Kroszner, University of Chicago, argues that the Act missed an opportunity to strengthen banks' roles in the corporate governance system and the financing of enterprises.
Randall S. Kroszner
June 2000 - The Region

Banks face new rules and intense competition

Fifth Annual Ninth District Banking Poll
Toby Madden
April 2000 - fedgazette

Farmer and rancher financial conditions improve

First Quarter 2000 Agricultural Credit Conditions Survey
Toby Madden
April 2000 - fedgazette

Farmer and rancher financial conditions improve

Agricultural Credit Conditions Survey
Toby Madden
April 2000 - Agricultural Credit Conditions Survey

Is financial modernization anything new?

Limited available data suggests that rather than revolutionizing the financial system, GLB actually builds on the integration that already exists between banks and other financial service providers
Ron J. Feldman, Jason Schmidt
April 2000 - fedgazette

Are Banks Special?

A Revisitation
E. Gerald Corrigan
March 2000 - The Region

Century of Change

A timeline of banking legislation and regulation
March 2000 - The Region

Fed survey results show bankers energized, relieved and distraught over GLB


March 2000 - The Region

Financial Evolution, Not Revolution

Ronald A. Wirtz
March 2000 - The Region

Financial Reform's Unfinished Agenda

A Look at Deposit Insurance Funds
William M. Isaac
March 2000 - The Region

Have We Only Just Begun?

Challenges in implementing the Gramm-Leach-Bliley regime
Ron J. Feldman, Niel Willardson, James M. Lyon
March 2000 - The Region

Interview with Representative Jim Leach

Chairman, U.S. House Committee on Banking and Financial Services
Gary H. Stern
March 2000 - The Region

Privacy and The Promise of Financial Modernization

Richard M. Kovacevich
March 2000 - The Region

The Financial Modernization Legislation: An Assessment

Carter H. Golembe
March 2000 - The Region

The Financial Services Modernization Act of 1999

A brief summary of Gramm-Leach-Bliley
March 2000 - The Region

The Impact on Community Bankers


Robert N. Barsness
March 2000 - The Region

The Road Not Taken

The interests of lower-income families ignored in financial modernization
Malcolm Bush
March 2000 - The Region

Using market data to manage risk

The potential of financial modernization
Gary H. Stern
March 2000 - The Region

“These Gambling Activities”

Carter Glass and the battle to rein in the banking industry
March 2000 - The Region

Bankers report farmers have some breathing room

Agricultural Credit Conditions Survey
Toby Madden
January 2000 - Agricultural Credit Conditions Survey

Bankers report farmers have some breathing room

Fourth Quarter 1999 Agricultural Credit Conditions Survey
Toby Madden
January 2000 - fedgazette

Big fish in little (city) pond turns to little fish in big (bank) pond

Michigan State Roundup
January 2000 - fedgazette

Internet banking? No, a new banking channel

Minnesota State Roundup
January 2000 - fedgazette

Noninterest income in the Ninth District

The roles of community and credit card banks
Ron J. Feldman, Jason Schmidt
January 2000 - fedgazette

Saudi Arabian Monetary Agency

Central Banks
December 1999 - The Region

The Zen of Greenspan

As the Fed's media profile grows, the world mainly relies on a small cadre of reporters to describe the actions of Alan Greenspan and the Fed
Ronald A. Wirtz
December 1999 - The Region

Risk-focused fair lending examinations

A discussion of fair lending laws and the new fair lending examination procedures used by this Reserve Bank and other federal banking regulators.
John Alderman
November 1999 - Community Dividend

Farm problems put squeeze on agricultural banks

Toby Madden
October 1999 - fedgazette

Farmers continue to struggle

Third Quarter 1999 Agricultural Credit Conditons Survey
Toby Madden
October 1999 - fedgazette

Farmers continue to struggle

Agricultural Credit Conditions Survey
Toby Madden
October 1999 - Agricultural Credit Conditions Survey

Noninterest income: A potential for profits, risk reduction and some exaggerated claims

Banks are earning more money from nontraditional sources; the implications for the financial services industry
Ron J. Feldman, Jason Schmidt
October 1999 - fedgazette

A Response to Critics of Market Discipline

Top of the Ninth
Gary H. Stern
September 1999 - The Region

Focus on Central Banks: Bank of Japan

September 1999 - The Region

Interview with Edward W. Kelley

The longest-serving member of the Federal Reserve Board, Edward W. Kelley, comments on Fed policy, organization and the future of the System.
David Levy
September 1999 - The Region

Community bank Web sites: The current picture

The 1999 fedgazette Banking Survey was sent to 688 Ninth District community banks. Community banks were defined as banks with assets greater than $150 million.
Toby Madden
July 1999 - fedgazette

Farmers are still hurting

Second Quarter 1999 Agricultural Credit Conditions Survey
Toby Madden
July 1999 - fedgazette

Nimble small-town banks swatting Y2K bugs

Ronald A. Wirtz
July 1999 - fedgazette

Small-town community banks not bugged by Y2K

Do community banks in small towns face special considerations as the year 2000 approaches?
Ronald A. Wirtz
July 1999 - fedgazette

Urban/rural community banks face similar challenges

The fedgazette's fourth annual community banking poll, March 1999.
David S. Dahl
July 1999 - fedgazette

Why all concerns about subprime lending are not created equal

Subprime lending is a boon for some borrowers and banks, but others have raised concern about this growing phenomenon
Ron J. Feldman, Jason Schmidt
July 1999 - fedgazette

Y2K and your money

Gary H. Stern
July 1999 - fedgazette

Interview with Donald Brash

An interview with the head of New Zealand's central bank.
David Levy
June 1999 - The Region

Managing Moral Hazard With Market Signals: How Regulation Should Change With Banking

Gary Stern, president of the Federal Reserve Bank of Minneapolis, addresses the too-big-to-fail problem and moral hazard in banking.
Gary H. Stern
June 1999 - The Region

The Role and Value of Market Forces

Top of the Ninth
Gary H. Stern
June 1999 - The Region

The Tale of Another Chairman

Economist Richard Timberlake recalls the legacy of W.M. Martin and Marriner Eccles, former Fed chairmen.
Richard H. Timberlake
June 1999 - The Region

Reduced income plagues farmers

First Quarter 1999 Agricultural Credit Conditions Survey
Toby Madden
April 1999 - fedgazette

Tracking small business lending in the Ninth District: What the new CRA data allows

New data provides insights into small business lending in the Ninth District
Ron J. Feldman, Jason Schmidt
April 1999 - fedgazette

Y2K and public confidence in the banking system

Fed Governor Edward W. Kelly discusses Y2K and the public's confidence in the banking system
Edward W. Kelly, Jr.
April 1999 - fedgazette

On the Beige Book, Y2K, and Economic Education

Top of the Ninth
Gary H. Stern
March 1999 - The Region

Shared Responsibility

A smooth transition to the year 2000 is not only the responsibility of banks and federal regulators, but of consumers, too.
Cathy E. Minehan
March 1999 - The Region

Who's receiving mortgage loans in the Twin Cities?

Data collected under the Home Mortgage Disclosure Act reveal who is accessing mortgage loans in the Twin Cities metropolitan area.
Stephanie Omersa, Mike Wold
March 1999 - Community Dividend

Agricultural bankers note improvement, but still concerned

Fourth Quarter 1998 Agricultural Credit Conditions Survey
Edward Lotterman
January 1999 - fedgazette

What are CAMELS and who should know?

Ron J. Feldman, Jason Schmidt
January 1999 - fedgazette

Despite weakening conditions in the agricultural sector, bank data generally indicate good performance

Ron J. Feldman, Heidi Taylor Aggeler
November 1998 - fedgazette

Low commodity prices taking toll across the Ninth District.

Third Quarter 1998 Agricultural Credit Conditions Survey
Edward Lotterman
November 1998 - fedgazette

A brief history of reserves and premiums

Ron J. Feldman
September 1998 - The Region

An illustrative example of a federal deposit insurance system without reserves

Ron J. Feldman
September 1998 - The Region

Interview with Laurence Meyer

Interview with Federal Reserve Governor Laurence Meyer
David Fettig
September 1998 - The Region

Remembering William McChesney Martin Jr.

Andrew F. Brimmer
September 1998 - The Region

When should the FDIC act like a private insurance company?

When it comes to pricing, not reserves
Ron J. Feldman
September 1998 - The Region

Banking as we know it

Minneapolis Fed President Gary Stern shares his thoughts on the future of community banking
Gary H. Stern
July 1998 - fedgazette

Declining deposits ... Is it all bad news?

What happens when people quit depositing money into banks? Where do banks get the funding necessary to make loans?
David Fettig, Ron J. Feldman
July 1998 - fedgazette

Follow up on HUD 184 program article

An update on the HUD 184 residential mortgage loan program for Indian Country.
July 1998 - Community Dividend

Is the loan-to-deposit ratio still relevant?

A preliminary test says yes for many Ninth District banks
Ron J. Feldman, Heidi Taylor Aggeler
July 1998 - fedgazette

Location influences community banks' challenges.

Minneapolis Fed's Community Banking Survey
David S. Dahl
July 1998 - fedgazette

Low farm prices reflected in second quarter Ag banker survey

Agricultural Credit Conditions Survey
Edward Lotterman
July 1998 - Agricultural Credit Conditions Survey

Low farm prices reflected in second quarter Ag banker survey

Second Quarter 1998 Agricultural Credit Conditions Survey
Edward Lotterman
July 1998 - fedgazette

Model code addresses economic development in Indian Country

A model commercial code for Indian tribes is designed to encourage the business and lending communities to invest in Indian Country and foster economic development.
Maylinn E. Smith
July 1998 - Community Dividend

U.S. banks offered historic opportunity in Indian Country

To serve the emerging Indian-owned private enterprise market, bankers should understand the structure of the economies of tribal communities and the size of the potential market.
Patrick Borunda
July 1998 - Community Dividend

Follow the Money

Death threats, suicides and million dollar frauds are just part of the job for this Fed bank examiner
David Fettig
June 1998 - The Region

Glass Redux

Letters to the Editor Re: Region Interview with Carter Glass
June 1998 - The Region

Interview with Carter H. Golembe

Melvin L. Burstein
June 1998 - The Region

Market Discipline as Bank Regulator

Top of the Ninth
Gary H. Stern
June 1998 - The Region

The Bank of England

Focus on Central Banks
June 1998 - The Region

The Changing Banking Environment and Emerging Questions for Public Policy

Roger W. Ferguson Jr.
June 1998 - The Region

Declining prices make ag bankers uneasy

First Quarter 1998 Agricultural Credit Conditions Survey
Edward Lotterman
April 1998 - fedgazette

Declining prices make ag bankers uneasy

Agricultural Credit Conditions Survey
Edward Lotterman
April 1998 - Agricultural Credit Conditions Survey

Deposit insurance, too big to fail and small banks

Minneapolis Fed President Gary Stern reacts to the concerns that small banks have about the Minneapolis Fed's deposit insurance proposal
Gary H. Stern
April 1998 - fedgazette

HUD 184 loan program helps Native Americans achieve homeownership

The HUD 184 loan program is designed to mitigate many factors that inhibit mortgage lending on American Indian reservations.
Deanna Lucero
April 1998 - Community Dividend

Roles and responsibilities for processing the HUD 184 Indian Home Loan Guarantee Program

Details about who does what in the HUD 184 loan program.
April 1998 - Community Dividend

The role of banking debt in community development

An excerpt from a speech Federal Reserve Bank of Minneapolis President Gary H. Stern delivered at the 1997 Nation Building Conference in Missoula, Mont.
Gary H. Stern
April 1998 - Community Dividend

What are the sources of increased bank profitability in recent years?

Ron J. Feldman, Heidi Taylor Aggeler
April 1998 - fedgazette

A primer on bank consolidation in the Ninth District

An analysis of the trend toward bank consolidation and its impact on district banks and communities
Ron J. Feldman, Heidi Taylor Aggeler
January 1998 - fedgazette

Data out of context: reporting banking data in the Ninth District

Ron J. Feldman, Heidi Taylor Aggeler
January 1998 - fedgazette

Deposit insurance proposal elicits response

Independent bankers look at the Minneapolis Fed's deposit insurance reform proposal
January 1998 - fedgazette

Effects of Asian financial crisis uncertain for district

Edward Lotterman
January 1998 - fedgazette

Year end upbeat for agricultural industry, but pockets of weakness persist

Fourth Quarter 1997 Agricultural Credit Conditions Survey
Edward Lotterman
January 1998 - fedgazette

A Conversation with Carter Glass

The senator's views on banking and the Federal Reserve are updated by a modern interpretation.
James McAfee
December 1997 - The Region

Carter Glass

A brief biography of the man who shaped the Federal Reserve Act.
David Page
December 1997 - The Region

Rational Expectations and Inflation

Book Review
Edward J. Green
December 1997 - The Region

Which of the Twin Cities?

Competition was intense between Minneapolis and St. Paul for the Ninth District Federal Reserve Bank
David Page
December 1997 - The Region

Ag bankers optimistic overall, but problems may lurk in some areas

Third Quarter 1997 Agricultural Credit Conditions Survey
Edward Lotterman
October 1997 - fedgazette

Credit card banking in the Ninth District

Ron J. Feldman, Heidi Taylor Aggeler
October 1997 - fedgazette

Linking the past and future

Ms. Kinsey's comments at the dedication of the new Ninth District Federal Reserve Bank building, October 15, 1997.
Jean Kinsey
October 1997 - fedgazette

A Modest Proposal for Meaningful Deposit Insurance Reform

Top of the Ninth Column
Gary H. Stern
September 1997 - The Region

An Update on the Securitization of Small Business Loans

Ron J. Feldman
September 1997 - The Region

Maintaining Financial Stability in a Global Economy

Alan Greenspan
September 1997 - The Region

Small Business Loans, Small Banks and a Big Change in Technology Called Credit Scoring

Ron J. Feldman
September 1997 - The Region

The Too Big to Fail Problem

A proposal to reform deposit insurance
Gary H. Stern
September 1997 - The Region

As small banks grow, community banking becomes regional banking

David Fettig
July 1997 - fedgazette

BNC's strategy: growth plus community values

David Fettig
July 1997 - fedgazette

It's all in the name

Business as usual as big bank takes its place in small town
David Fettig
July 1997 - fedgazette

Large community banks outpacing smaller counterparts

Minneapolis Fed Community Bank Survey
David S. Dahl
July 1997 - fedgazette

Ninth District banks and the 1997 flood

Ron J. Feldman
July 1997 - fedgazette

Some relief in sight for cattle ranchers, ag bankers say

Second Quarter 1997 Agricultural Credit Conditions Survey
Edward Lotterman
July 1997 - fedgazette

Think big, act small

'Branch' and 'diversify' become buzzwords as community banking adapts to changing industry
David Fettig
July 1997 - fedgazette

Interview with Alice Rivlin

David Levy
June 1997 - The Region

Credit scoring and small business loans

Credit scoring is the process of assigning a single quantitative measure, or score, to a potential borrower that reflects the borrower's relative chance of going into delinquency or default.
Ron J. Feldman
April 1997 - Community Dividend

Lending to small firms and small farms

A snapshot of data on the distribution of business loans to farms and firms by the size of the loan.
Ron J. Feldman
April 1997 - Community Dividend

Regulators approve CRA strategic plans

The Federal Reserve Board has announced its approval of the first bank strategic plans submitted under the newly revised Community Reinvestment Act regulations.
April 1997 - Community Dividend

Rising optimism amid stress of winter, ag bankers report

First Quarter 1997 Agricultural Credit Conditions Survey
Edward Lotterman
April 1997 - fedgazette

Corn belt prosperous, but cattle sector still stressed, bankers say

Fourth Quarter 1996 Agricultural Credit Conditions Survey
Edward Lotterman
January 1997 - fedgazette

State summaries of Ag Conditions/Farm Income Spending

Fourth Quarter 1996 Agricultural Credit Conditions Survey
January 1997 - fedgazette

A Brief Recap of Fannie and Freddie's Activities

Ron J. Feldman
December 1996 - The Region

AU, Borrowing Costs and the Profitability of Mortgage Origination

Ron J. Feldman
December 1996 - The Region

An opportune time for deposit insurance reform

Top of the Ninth
Gary H. Stern
December 1996 - The Region

Bank Enterprise Awards announced

The Community Development Financial Institutions Found has announced the first-ever recipients of its Bank Enterprise Awards.
December 1996 - Community Dividend

Can Society Ever Invest Too Much in Technology?

Ron J. Feldman
December 1996 - The Region

Mortgage Automation Threat

Fannie Mae and Freddie Mac's technology initiatives could reduce competition
Ron J. Feldman
December 1996 - The Region

Rethinking Financial Regulation

Thomas M. Hoenig
December 1996 - The Region

Ag Conditions/Farm Income Spending

Agricultural Credit Conditions Survey Summary by State
Edward Lotterman
October 1996 - fedgazette

Despite continuing problems for cattle producers, bankers more optimistic

Third Quarter 1996 Agricultural Credit Conditions Survey
Edward Lotterman
October 1996 - fedgazette

Not all credit unions are alike

Letter to the Editor
October 1996 - fedgazette

Economist In An Uncertain World: Arthur F. Burns and the Federal Reserve, 1970-1978

Book Review
Kevin L. Kliesen
September 1996 - The Region

The “New” Science of Credit Risk Management

Federal Reserve Governor Janet Yellen on developments in the financial system.
Janet L. Yellen
September 1996 - The Region

Uncertainty in Federal Intervention

Fannie Mae, Freddie Mac and the housing subsidy trail
Ron J. Feldman
September 1996 - The Region

Bank liquidity tightening—but still sufficient, bankers say

David Fettig
July 1996 - fedgazette

Banks turn up the heat against credit unions

Industries battle over tax, regulatory and membership issues
David Fettig
July 1996 - fedgazette

Developments in the field of electronic money and banking

The following remarks are excerpted from a presentation by Gov. Kelley at the CyberPayments '96 Conference in Dallas, Texas, June 18, 1996.
Edward W. Kelly, Jr.
July 1996 - fedgazette

Facts about the survey and respondents

Ninth District Banking Poll
July 1996 - fedgazette

What does the future hold for community banks?

Ninth District Community Banking Poll Summary
David Fettig
July 1996 - fedgazette

Deposit insurance: It's time to cage the monster

Richard M. Kovacevich
April 1996 - fedgazette

Former Fed Governors

Where are they now ... ... and their views on current Fed policy
December 1995 - The Region

So you want to be a bank examiner? You may be surprised to learn what it takes

Kathy Cobb
December 1995 - The Region

Beyond Statistics

Top of the Ninth
Gary H. Stern
September 1995 - The Region

Proposed OCC “Agreement Table”

The OCC's Credit Assessment of a Bank's Loans Broken Down by How the Bank Assessed the Same Loans
Ron J. Feldman
September 1995 - The Region

The Strategy of Monetary Policy

Alan S. Blinder
September 1995 - The Region

Where Are They Now?

Former Fed Governors and their views on current Fed policy.
September 1995 - The Region

Will the Securitization Revolution Spread?

While securitization has dramatically altered the way many lenders do business, small business lending has barely changed
Ron J. Feldman
September 1995 - The Region

Bank performance remains strong in 1994

Summary of Ninth District Banks' 1994 Performance
Karen Grandstrand
July 1995 - fedgazette

Doing the undoable deal

Banks find ways to rebuild neighborhood housing stock
David Fettig
July 1995 - fedgazette

Loans program brings funds to southwestern Wisconsin

Rural group, M&I bank agree to work together to aid rural areas
David Fettig
July 1995 - fedgazette

Putting the “C" in CRA

As Congress debates value of lending law, banks go about the business of reinvesting
David Fettig
July 1995 - fedgazette

Banking from home

Touted as the future of banking for many years, home banking is finally poised to enter the present.
Rob Grunewald
June 1995 - The Region

A banker's perspective on economic development

Address given before the State of the State Conference held in Bismarck, N.D., in January 1995.
Harvey Huber
April 1995 - fedgazette

Interstate branch banking: Opt in or opt out?

David Fettig, David S. Dahl, Kathy Cobb
January 1995 - fedgazette

Is deposit insurance the bankers' Faustian bargain?

This column is based on Burstein's October address to the Minnesota Institute of Legal Education.
Melvin L. Burstein
January 1995 - fedgazette

A nation's commercial banks and central bank are reflections of each other

Gary Stern presented the following overview on the relation between a central bank and commercial banks recently in Moscow, where he participated in the International Conference on Russian Banking wit
Gary H. Stern
December 1994 - The Region

Interview with Alan S. Blinder

Federal Reserve Governor Alan S. Blinder shares his thoughts on life at the White House, the Fed and as a college professor. He also talks about inflation, unemployment, his political philosophy and t
December 1994 - The Region

Russia: Land of tremendous opportunity ... and challenge

Top of the Ninth
Gary H. Stern
December 1994 - The Region

The Payment System: Design, Management, and Supervision

Book Review
Theodore E. Umhoefer
December 1994 - The Region

Are banks dead? Or, are the reports greatly exaggerated?

This article is a synopsis of a paper prepared by John H. Boyd, senior research officer at the Federal Reserve Bank of Minneapolis, and Mark Gertler, professor at New York University.
September 1994 - The Region

Money Meltdown: Restoring Order to the Global Currency System

Book Review
David Levy
September 1994 - The Region

Futurebank '94: Technology expo lures community bankers

Technology expo lures community bankers
David Fettig
July 1994 - fedgazette

Small banks vs. small branches—bank style may mean more than bank ownership

As industry evolves, bank style may mean more to local communities than bank ownership
David Fettig
July 1994 - fedgazette

Discrimination In Spite Of The CRA

1993-1994 Student Essay Contest Winner
Gabe Pass
June 1994 - The Region

Banking on the Government

At 75, the nation's only socialist bank is still striving to achieve its mission
David Fettig
March 1994 - The Region

Banking's Role in Business-Community Partnership


John P. LaWare
March 1994 - The Region

Interview with Wayne Angell

David Levy
March 1994 - The Region

Views of Regulatory Consolidation

Top of the Ninth
Gary H. Stern
March 1994 - The Region

Q&A with Lawrence Lindsey

Federal Reserve Governor talks about CRA
David Fettig
January 1994 - fedgazette

Suspending disbelief: Low incomes do not mean high defaults

fedgazette Editorial
Gary H. Stern
January 1994 - fedgazette

Interview with Jacob Frenkel

Melvin L. Burstein
December 1993 - The Region

Central Banking—Then and Now

J. Alfred Broaddus Jr.
September 1993 - The Region

The Fate of the Banking Industry

Top of the Ninth
Gary H. Stern
September 1993 - The Region

Community Reinvestment is a way of life, not a law, says small town bank

David Fettig
July 1993 - fedgazette

Fair lending: the issue of the '90s may inspire more regs

fedgazette Editorial
Karen Grandstrand
July 1993 - fedgazette

In light of public disclosure, CRA gains luster

But after 15 years, banking industry still takes dim view
David Fettig
July 1993 - fedgazette

Reserve Banks in Evolving Payments System

As Thomas Gainor and Leonard Fernelius retire, after serving the Federal Reserve Bank of Minneapolis for 75 years, they share comments on their careers and assess the Federal Reserve's place in the pa
June 1993 - The Region

Views on the economy, monetary policy

Summary of Gary Stern's March 10, 1993, testimony to the Senate Committee on Banking, Housing and Urban Affairs
Gary H. Stern
April 1993 - fedgazette

Interview with Lawrence B. Lindsey

Lawrence Lindsey, the Federal Reserve Board's youngest governor, shares his views on the Fed, taxation, the 1980s and other matters.
David Levy
March 1993 - The Region

Banking 2000: More technology and fewer banks

David Fettig
October 1992 - fedgazette

Regulatory burden

Bankers rally against increasing paperwork, claim compliance is threatening industry
David Fettig
October 1992 - fedgazette

Regulatory burden: relief in sight?

William W. Strausburg
October 1992 - fedgazette

Are Banking Regulators Tough Enough?

An Analysis of Recent Enforcement Actions
Karen Grandstrand
September 1992 - The Region

Bank earnings rising again

Ninth District Bank Facts
July 1992 - fedgazette

Only time will cure credit ills

fedgazette Editorial
John H. Boyd, Martha L. Starr
July 1992 - fedgazette

Biographical Dictionary of the Board of Governors of the Federal Reserve

Book Review
June 1992 - The Region

Is America Losing Faith in Market System?

Top of the Ninth
Gary H. Stern
June 1992 - The Region

The Dichotomy Becomes Reality: Ten Years of the Federal Reserve as Regulator and Competitor

Excerpt from the Minneapolis Fed's 1991 Annual Report
David Fettig, Leonard W. Fernelius
June 1992 - The Region

Interview with Susan M. Phillips

Susan M. Phillips knows her way around the futures industry but faces new challenges as a Federal Reserve Board governor. Phillips shares her impressions of both in this interview.
David Levy
March 1992 - The Region

Small Change

Thoughts on the Penny
March 1992 - The Region

Restoring the Fed as lender of last resort

fedgazette Editorial
Melvin L. Burstein
January 1992 - fedgazette

Interview with Carl E. Powell

December 1991 - The Region

Interview with David W. Mullins Jr.

September 1991 - The Region

Investigating the Banking Consolidating Trend

John H. Boyd, Stanley L. Graham
September 1991 - The Region

The S&L Debacle: Public Policy Lessons for Bank and Thrift Regulation

John H. Boyd
September 1991 - The Region

Whither the Credit Crunch?

Top of the Ninth
Gary H. Stern
September 1991 - The Region

Bank performance tapers after recent strengthening

Ninth District Bank Facts
July 1991 - fedgazette

Interview with W. Lee Hoskins

June 1991 - The Region

Small Leak Teaches Big Lessons

David Fettig
June 1991 - The Region

The Proposals for Reform that are "On the Table"

Top of the Ninth
Gary H. Stern
June 1991 - The Region

The alarming costs of preventing bank runs

fedgazette Editorial
Arthur J. Rolnick
April 1991 - fedgazette

Thoughts from the New Chairman on the Fed and the Community

Delbert Johnson
February 1991 - The Region

Interview with E. Gerald Corrigan

November 1990 - The Region

The S&L crisis: bad people or bad policy?

fedgazette Editorial
Arthur J. Rolnick
September 1990 - fedgazette

Interview with Clyde Farnsworth

David Levy
June 1990 - The Region

Proper attitude is key to successful community lending

fedgazette Editorial
A. William Sands
June 1990 - fedgazette

Safeguards to the U.S. Banking System Should Not Be Dismantled

Top of the Ninth
Melvin L. Burstein
June 1990 - The Region

Can the public be trusted to regulate banks?

fedgazette Editorial
Arthur J. Rolnick
March 1990 - fedgazette

Interview with William Taylor

David Levy
February 1990 - The Region

Meeting the District's Currency Needs

Under close guard, about $17 million must be safely transported each day to 1,200 banks, savings and loans and credit unions through the Ninth District.
February 1990 - The Region

Expedited Funds Availability Act: Was it Worth the Cost?

David Fettig
December 1989 - The Region

Old-Style Banking: Montana Bank Gives New Look to Old Building

Kathy Cobb
December 1989 - The Region

Resolving Conflict: The Fed's Role in the Community Reinvestment Act

Top of the Ninth
Gary H. Stern
December 1989 - The Region

State-owned bank provides North Dakota's economic funds

David Fettig
December 1989 - fedgazette

Electronic Wizardry at Your Service

The Automated Clearing House
Kathy Cobb
August 1989 - The Region

F. Augustus Heinze of Montana and the Panic of 1907

David Fettig
August 1989 - The Region

Interview with Delbert W. Johnson

David Levy
August 1989 - The Region

Into the '90s: Continuing Challenges for Payments System

Top of the Ninth
Thomas E. Gainor
August 1989 - The Region

Ninth District banks improve performance during 1988

James M. Lyon
June 1989 - fedgazette

Paul Warburg's Crusade to Establish a Central Bank in the United States

Paul Warburg was an advocate for a central bank in the United States and was chosen by President Woodrow Wilson to serve as one of the first members of the Federal Reserve Board.
Michael A. Whitehouse
May 1989 - The Region

Interview with Marcia Anderson

David Levy
December 1988 - The Region

Answering the Call for Banking Supervision

August 1988 - The Region

Born of a Panic: Forming the Fed System

August 1988 - The Region

Developing an Efficient Payments System

August 1988 - The Region

Discovering Open Market Operations

August 1988 - The Region

Executive Leadership (Minneapolis and Helena)

August 1988 - The Region

External Economic and Political Environment

August 1988 - The Region

Leadership at the Minneapolis Federal Reserve Bank

August 1988 - The Region

Legislation, Legislative Proposals and Court Decisions

August 1988 - The Region

Monetary Policy Environment

August 1988 - The Region

Ninth District Buildings and General Operations

August 1988 - The Region

Regulatory Policy Environment

August 1988 - The Region

The Districts Take Shape

August 1988 - The Region

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