federal reserve

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

Source: federalreserve.gov

Fed’s Senior Loan Officer Survey Signals Pressure as Small Businesses Seek Credit
Fed’s Senior Loan Officer Survey Signals Pressure as Small Businesses Seek Credit
July 31, 2023  |  Banking

The traditional avenues of lending are narrowing, signaling tougher times ahead for smaller businesses seeking access to credit. As detailed Monday (July 31) in the...

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PYMNTS Intelligence: Comparing FedNow and the RTP® Network
PYMNTS Intelligence: Comparing FedNow and the RTP® Network
July 28, 2023  |  Real-Time Payments

The expectations of small to midsized businesses (SMBs) regarding payment service providers have never been higher, with owners and employees demanding the same payment speed...

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Payments Platform Form3 Wins FedNow Certification
Payments Platform Form3 Wins FedNow Certification
July 27, 2023  |  Real-Time Payments

Account-to-account payment platform Form3 says it is ready for FedNow. The company on Thursday (July 27) announced it was among the first in its industry to finish testing and...

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Bank of America CEO: Capital Requirements Must Ensure ‘Level Playing Field’
Bank of America CEO: Capital Requirements Must Ensure ‘Level Playing Field’
July 27, 2023  |  Banking

Bank of America CEO Brian Moynihan said new capital requirements need to ensure a level playing field for U.S. banks. “I think they have to...

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Will Big Bank Capital Requirements Help Smaller FIs, FinTechs Gain Small Business Lending Share?
Will Big Bank Capital Requirements Help Smaller FIs, FinTechs Gain Small Business Lending Share?
July 26, 2023  |  Loans

As banks — especially larger players — grapple with a new capital reality, the opportunity may be there for smaller financial institutions (FIs) and FinTechs...

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Will Interest Rate Hikes Topple ‘Tower’ of Corporate Debt?
Will Interest Rate Hikes Topple ‘Tower’ of Corporate Debt?
July 26, 2023  |  Economy

The Federal Reserve is planning another rate hike aimed at slowing inflation. But a report Wednesday (July 26) by The New York Times notes that some observers...

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Why the Fed Underestimates the Pressures of the Paycheck-to-Paycheck Economy
Why the Fed Underestimates the Pressures of the Paycheck-to-Paycheck Economy
July 25, 2023  |  Consumer Finance

Amber Carroll, senior vice president of membership and lifecycle strategy at LendingClub, told PYMNTS that the Federal Reserve’s long-quoted stat on financial well-being could use...

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

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

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

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

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