![Publications](https://webarchive.library.unt.edu/eot2008/20090812224425im_/http://federalreserve.gov/publications/gifjpg/PublicationsHeading.jpg)
Features
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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. |
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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. |
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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. |
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International Journal of Central Banking ![]() 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