2017 Annual Report: Doing Our Part For a Stable and Resilient Economy

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2017 Annual Report: Doing Our Part For a Stable and Resilient Economy
    
Introduction

Stability and Resilience
Most of the Federal Reserve’s work is focused on achieving the central bank's dual monetary policy mandate: maximum employment and stable prices. Ordinarily, we think of the dual mandate simply...
Introduction

President Bostic on Why the Work Matters
The Fed helps to keep our financial system—and the economy—stable by making sure that our banking institutions are not taking on too much risk, and by making sure that our monetary policy...

SRC/Research

Safety First
The Federal Reserve has various responsibilities for financial supervision and regulation. Among the most important: supervising state-chartered banks that are members of the Federal Reserve...
SRC/Research

Why Supervision and Regulation Matter
I get to be part of an organization that's very unique. We're the only Fed. There are 12 Reserve Banks, and I work for one of them—which is pretty cool...
SRC/Research

On the Front Lines
The Atlanta Fed's banking supervisors and regulatory staff put regulatory policy to work every day to enhance the stability of the financial system and its institutions. The Reserve Bank's Supervision...
SRC/Research

The Atlanta Fed in Action
In addition to examining community, regional, and large banks and inspecting bank holding companies, the Atlanta Fed and the other Reserve Banks appoint a central point of contact...
SRR/Research

Passing the Stress Test
Each year, the law requires the Fed to stress test every bank holding company with over $50 billion in assets. The test requires these firms to project losses, revenues, expenses, and capital levels nine...
SRC/Research

Why Research Matters
Having economists around in a research department helps a policymaker—our Bank president, in this case—make those decisions with the most information possible. It means that there are a group...
SRC/Research

Sharpening Policy
The main mission of the Atlanta Fed’s Research Department is to ensure that the Bank president has a fully informed, nuanced view of the economy to present at meetings of the Federal Open Market...
SRC/Research

Untangling History
The 2007–08 financial crisis originated mainly in housing finance markets. Atlanta Fed economists Scott Frame and Kris Gerardi are among the researchers who have made important contributions...
SRC/Research

Could AI Transform Bank Supervision?
Technological advances are changing the landscape for financial firms and regulatory agencies. Researchers including Atlanta Fed economist Larry Wall are exploring how artificial intelligence and...
SRC/Research

Finding the Research
Scholarly papers are not the Atlanta Fed’s only contribution to financial stability research. The Bank also offers its work in venues such as macroblog, which offers regular commentary and analysis on...
Payments

Why a Healthy Payments System Matters
 The Retail Payments Office's top priority is to operate a stable and reliable check and ACH payment system. We connect thousands of financial institutions, and the U.S. Treasury, to move millions of...

Payments

A Safe, Effective Payments System
Just as a network of rivers carries water throughout a nation, the payments system keeps money streaming between buyers and sellers of goods and services. Every day, hundreds of millions of...
Payments

The Retail Payments Office Is a Vital Link
When you receive money through direct deposit, send a mortgage payment online, or deposit a paper check, you are most likely benefiting from the work of the Federal Reserve's Retail Payments...

Payments

Keeping Payments Safe
Reliability of the payments system is important for the public and the nation's financial system. Because executing payments involves interrelated systems of a host of entities that clear, settle, or...
Payments

A New Era
In recent decades, technological advances have changed the back-office clearing and settlement of retail payments. Those advances have saved costs, improved funds availability, and paved the way...

Payments

Looking to the Future
Changes are under way at the Retail Payments Office as it works with a broad spectrum of participants to enhance the speed, safety, and efficiency of the payments system. For example, the...
Payments

Cash, Always Essential
Making sure the economy always has the currency it needs is a critical mission of the Federal Reserve. Though more and more payments occur electronically, cash will always be an essential...
Workforce Development

Workforce Development: Why It Matters
A big part of our job is here at the Bank, but another important part of the role that we play—in the community development department, in the Research Department, and in the institution more...

Workforce Development

Keeping Households Financially Healthy
For households, stability means predictably earning, saving, and meeting financial obligations. Financially stable, resilient households contribute to a sound economy and financial system. After...
Workforce Development

Challenges Even in a Healthy Labor Market
By broad measures such as the unemployment rate and payroll job growth, American labor markets are robust. Yet deeper currents threaten the financial stability of millions of U.S. households. In...
Workforce Development

Households Still Owe a Lot
For better or worse, debt is a key factor in household financial stability. Some consumption is financed by borrowing, which is not necessarily a bad thing. However, at the same time, rising...
Workforce Development

Focusing Where It Matters
Employers invest billions annually in workforce development. But that investment is focused on highly skilled workers: 58 percent of employers' formal training dollars go toward those with at least a...
Directors & Officers

The 2017 list of Sixth Federal Reserve District directors, the Atlanta Fed's Management Committee and officers, and advisory councils.
Milestones & More

A list of milestones and accomplishments at the Atlanta Fed during 2017, as well as links to financial and audit statements and the congressional OMWI report.

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