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Related Information

• Mobile Payments
  in the United States
  March 25, 2011
  Atlanta and Boston Feds
• Survey of Community Banks
• Bank for International Settlements
• Red Book
• Philadelphia Fed Payment Cards Center
• Fed in Print
  A searchable index of Federal Reserve economic research.
• Resolution for Financial Companies that Pose Systemic Risk
  Updated December 2009
• Fed's Day Ahead Conference on Financial Markets & Institutions

Recent Research

• What Can Financial Stability Reports Tell Us About Macroprudential Supervision?

  By Jon Christensson, Kenneth Spong, and Jim Wilkinson
  Recent financial stability reports from five central banks indicate that macroprudential supervision could be beneficial in promoting financial stability, but will also be a very challenging task.

• Are Banks Passive Liquidity Backstops? Deposit Rates and Flows during the 2007-2009 Crisis

  By Nada Mora
  Evidence from the 2007-2009 crisis indicates that the role of the banking system as a stabilizing liquidity insurer is not one of the passive recipient, but of an active seeker, of deposits.

• Countercyclical Capital Regulations: Should Bank Regulators Use Rules or Discretion?

  By Michal Kowalik
  This second quarter Economic Review article examines the primary options for implementing countercyclical capital requirements: using a fixed rule or giving the regulatory authorities discretion in deciding when and how to act. He finds that the rule-based approach has more advantages.

• Restructuring the Banking System to Improve Safety and Soundness

  By Thomas M. Hoenig and Charles S. Morris
  This paper offers a proposal to reduce the costs and risks to the public safety net and financial system and reintroduce accountability by restricting bank activities. Read Kansas City Fed President Hoenig's related speech Back to the Business of Banking.

• How To Make Banks Reveal Their Information

  By Michal Kowalik
  The optimal design of risk-sensitive capital requirements for banks should depend on their cost of equity capital and their ability to sell their assets, because these factors affect their incentive to reveal their risk.
  

2009 Payments Conference

The Kansas City Fed's conference explored the changing retail payments landscape and assessed the extent to which central bank payments policies should correspondingly be altered. The conference brought together industry participants, policymakers and academics from around the world.

Read Proceedings

• Economic Review

  Banking & Financial Market Related Articles
  The Economic Review is a quarterly research publication with articles by Kansas City Fed staff on issues of relevance to the Federal Reserve, including macroeconomics and monetary policy, regional and international economics, banking, financial markets and payments systems.

• Payments System Research Briefings

  Payments System Research Briefings are published periodically and discuss types of payments, developments in networks, participants' roles and more.

• Payments System Research Papers

  Payments System Research staff produces a series of working papers on types of payments, developments in networks, participants' roles and more.

  
  
  

  Books

• A Guide to the ATM and Debit Card Industry

  This book is a 2006 update that documents industry trends and patterns and discusses their implications.

• A Guide to the ATM and Debit Card Industry

  This book provides an overview of the history and developement of the ATM and debit card industry, details the mechanics of ATM and debit transactions, reviews trends in ATM and debit transaction volume and pricing, and discusses industry and public policy issues.

• Nonbanks in the Payments System

  This book examines nonbank participation of payments activities and the roles nonbanks play in specific transaction types.