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Board of Governors of the Federal Reserve System
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Publications

Features

Image of Federal Reserve Bulletin U.S. Households' Access to and Use of Electronic Banking, 1989-2007
Nationwide surveys show that consumers are increasingly embracing technology to make payments and manage their personal finances. However, only about one in two consumers could be considered a heavy user of electronic banking. This article examines changes over time in consumers' access to, adoption of, and attitudes toward various e-banking products and services and looks at several emerging technologies.
Image of cover of A Consumers Guide to Mortgage Refinancing brochure Consumer’s Guide to Mortgage Refinancing
Helps you answer the questions Should I, Can I, and How do I refinance my mortgage loan? Includes worksheets to help you determine whether refinancing will pay off for you and to help you shop for a mortgage loan to fit your financial situation. Also includes tips to help you through the refinancing process.
Image of brochure cover Interest-Only Mortgage Payments and Payment-Option ARMs--Are They for You?
Explains features of interest-only mortgage payments (I-O mortgage) and adjustable-rate mortgages with the option to make a minimum payment (a payment-option ARM). Includes cautions about payment shock, negative amortization, and prepayments.
Image of IJCB journal cover International Journal of Central Banking Leaving the Board
The International Journal of Central Banking (IJCB) is an initiative of the central banking community.  Published quarterly, the journal features articles on central bank theory and practice, with a special emphasis on research relating to monetary and financial stability.
 
Last update: August 3, 2009