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In 2009, Congress passed the most substantial reforms in the credit card industry in over 40 years-the Credit Card Accountability Responsibility and Disclosure of 2009 (the CARD Act). The CARD Act addresses many practices consumer advocates- and Congress-identified as problematic. Although the Truth in Lending Act of 1968 mandated disclosure of information about the costs (terms) of credit, there were few limits placed on the pricing practices (e.g., fees) of card issuers. Congress intended the CARD Act, often called the Credit Cardholders' Bill of Rights, to establish fair and transparent practices for credit cardholders. Put simply, the CARD Act offers cardholders protections that can save them money. Fair practices include lower fees and limits on interest rate increases. Transparent practices include better and timely communication so consumers know how much they are really paying for credit. This article reviews some of the reforms initiated by the CARD Act and their effects on credit card usage and consumer savings. [ABSTRACT FROM AUTHOR]

Information about the "Community Banking in the 21st Century" conference hosted by the Federal Reserve Bank of St. Louis, the Conference of State Bank Supervisors and the Federal Reserve System held in Missouri on October 2-3, 2013 is presented. The conference focused on the opportunities and challenges facing the community banking industry of the U.S. The event featured Federal Reserve chairman Ben Bernanke, St. Louis Federal President James Bullard and Federal Governor Jerome Powell.

The article discusses the complexity in the management of large banks in the U.S. The different governance mechanisms for complex banks are highlighted which include corporate culture, board oversight and shareholder discipline. The significance of rescuing large banks from collapse during the financial crisis in 2008-2009 is discussed.

The article reports on the annual report of the Federal Reserve Bank of St. Louis which focuses on the labor markets in the U.S. and abroad as well as examining how U.S. workers fared during the Great Recession.

The article offers information related to community development in the U.S. The Federal Reserve Bank of St. Louis and Washington University in St. Louis and some investors have established a system dynamics model of household economic security. Ian Galloway's paper "Charter School Tax Credit: Investing in Human Capital" was published by the Center for Community Development Investments. The U.S. Department of Housing and Urban Development (HUD) has launched the publication "Evidence Matters."

The article discusses the causes and responses to the financial crisis in a dialogue held by the Federal Reserve Bank of St. Louis with the general public. The chain of events that result to the severe crisis in the fall of 2008 including the inability of borrowers to repay debt, high levels of debt, and increasing housing market are stated. According to St. Louis Fed official Julie Stackhouse, too much debt that was not repaid and is dependent on asset lead to financial disaster.

The article discusses the evolution of prepaid cards. It provides brief overview of the origin of the credit cards from the American West, then in 1950 wherein the Diners' Club debuted the credit card, the emergence of the MasterCard and Visa, the automated teller machines (ATMs), the use of debit cards in 1998 and the prepaid cards. It presents the definition of a prepaid card, its fees, the users of the card as well as the advantages and disadvantages.

Presents a chart depicting the assets and liabilities of domestic finance companies in the U.S. as of June 2005. Consideration of gross accounts receivable; Total assets; Liabilities and capital; Outlook of bank loans and commercial paper.

Presents a chart depicting the money and capital markets interest rates in the U.S. as of June 2005. Money market instruments; Certificate of deposits; Assessment of the Treasury notes and bonds;.

The article reports on the strategies and thoughts implemented at Prosperity Indiana on the issue of succession planning in Nonprofit organizations and mentions that it works along with HOPE of Evansville for succession planning.

Several charts are presented that shows the financial and business statistics of the federal reserve banks in the U.S. for December 2008 including money stock and bank credit, flow of funds and interest and exchange rates.

The book "Statistical Supplement to the Federal Reserve BULLETIN" is presented.

The article presents a supplemental publication of the journal "Federal Reserve Bulletin (1914-2003)." It notes on it as a continuation of the Financial and Business Statistics section that appeared in each month's issue of the journal. Moreover, several statistical charts are provided about federal reserves, which includes international transactions, foreign exchange rates and indexes changes and nonbanking business enterprises in the U.S.

This article presents a statistical addition to the U.S. Federal Reserve's bulletin for 2008, released by the Board of Governors of the Federal Reserve System. Topics addressed include reports on bank credit, various policy instruments, and conditions of several markets.

Several charts are presented that shows the Federal Reserve Statistical Supplement for the second week of August 2008 which includes bank interest rates, reserve requirements of depository institutions, and its open market transactions.

A list of Federal Reserve Board publications is presented including the books and miscellaneous publications and educational pamphlets.

A list of symbols and abbreviations which were used in the July 2008 issue of the journal "Statistical Supplement to the Federal Reserve Bulletin" is presented.

Several charts are presented that show the Federal Reserve statistical supplement in June 2008, including reserves and money stock measures, interest rates, and open market transactions.

The article presents the May 2008 issue of the journal "Statistical Supplement to the Federal Reserve Bulletin," published by the U.S. Board of Governors of the Federal Reserve System. It offers a compact source of economic and financial information describing the condition of Federal Reserve banks. It provides charts indicating the annual data of the assets, liabilities and sales of commercial banking institutions, financial markets, securities markets and finance corporations in the U.S.

The article presents the publication "Statistical Supplement to the Federal Reserve BULLETIN," by the Board of Governors of the Federal Reserve System in Washington D.C. This publication is designed as a compact source of economic and financial data. The statistical series published with the same frequency and the numbering system for the tables remains the same. Also presented are the statistics, such as money stock and bank credit, policy instruments, and federal reserve banks.

Several charts are presented that lists the statistical supplementation on financial and businesses in the U.S. including money stock and bank credit, policy instrument, and federal finance.

Several charts are presented that depict the financial and business statistics in the U.S. including money stock and bank credit, financial markets, and securities holdings and transactions.

The article presents the Statistical Supplement to the Federal Reserve Bulletin section of the monthly issue of the "Federal Reserve Bulletin." It is designed as a compact source of economic and financial data. In this context, several charts are presented that list reserves and money stock measures, factory affecting reserve balances of depository institutions and reserve classification.

The article presents financial and business statistics related to interest and exchange rates, reserve assets and assets and liabilities of public and commercial institutions in the U.S.

Several tables are presented that provide U.S. financial and business data as of November 2007, including Federal Reserve Bank interest rates, money stock measures and reserve assets.

This publication is a statistical supplement to the "Federal Reserve Bulletin" designed as a compact source of U.S. economic and financial data. It presents several tables that reflect the data available as of the second week of October 2007, including reserves and money stock measures, factors affecting reserve balances of depository institutions and Federal Reserve Bank interest rates.

Several charts that show financial and business statistics in the U.S., including reserves and money stock measure, federal debt subject to statutory limitation and mortgage market for new homes.

Statistical tables are presented that list business and financial indicators in the U.S. as of the second week of August 2007, including bank credit, reserve assets and interest rates.

Several charts are presented that offer information on financial and business statistics in the U.S. as of July 2007, including money stock and bank credit, securities holdings and transactions, and foreign exchange rates and indexes of the foreign exchange value of the U.S. dollar.

Several charts are presented that show financial and business statistics in the U.S. including interest rates, reserves and borrowings and gross public debt of the U.S. Treasury.

Several charts are presented that show the trends in federal reserves in the U.S.

This issue provides financial and business statistics from the U.S. Federal Reserve as of April 2007. It includes several tables that provide information related to finance and business, including factors affecting reserve balances of depositary institutions, Federal Reserve Bank interest rates and reserve requirements of depositary institutions. Also discussed are the liabilities to unaffiliated foreigners.

Several charts are presented that show economic and financial figures in the U.S. as of the second week of March 2007, including reserves and money stock measures, interest rates, and consumer credit.

Statistical information related to business and finance is presented. Data is given for Federal Reserve Bank interest rates, Federal Reserve open market transactions, money stock measures, assets and liabilities of commercial banks in the U.S., and outstanding debt of federal and federally sponsored credit agencies.

Statistical information related to business and finance is presented. Data is given for Federal Reserve Bank interest rates, Federal Reserve open market transactions, money stock measures, assets and liabilities of commercial banks in the U.S., and outstanding debt of federal and federally sponsored credit agencies.