The Federal Reserve Bank of San Francisco's Financial Institution Supervision and Credit (FISC) Group prepares periodic reports on banking trends and risks. While produced primarily for financial institutions and internal audiences, many of these reports also are made available to the public so others may gain some insight into issues and concerns of bank supervisors.
This publication offers observations by the Head of Supervision of Financial Institution Supervision and Credit (FISC) on current banking and regulatory issues facing 12th District institutions.
This issue of Supervision in Brief discusses three topics that arose during a recent Western Bankers Association roundtable at our Los Angeles branch. While banking conditions remain very positive overall, our conversations at the roundtable revealed that banking and financial services still face a number of challenging and complex policy issues. These include CECL adoption, Community Reinvestment Act reform, and the California Consumer Privacy Act of 2018. Taken individually, each of these issues is a key factor in the life of a modern financial institution. Taken together, they serve as a reminder that positive banking conditions, no matter how good, do not resolve hard policy challenges.
These reports from the Asia Program provide context and insight into current economic and financial sector developments in the Asia-Pacific region.
This Asia Focus summarizes the small- and medium-sized enterprise (SME) credit gap in Asia and assesses ways certain emerging technologies and innovative business models—commonly known as “fintech”—can improve SME access to financial services in Asia and boost long-term economic growth in the process.
These reports highlight key indicators of economic and banking conditions within each of the nine states comprising the 12th Federal Reserve District.
Economic and banking conditions among the 12th District’s nine states remained solid in the first half of 2019. Job growth continued, despite decelerations in some states. Average bank profitability and loan growth were above national averages, and loan growth contributed to tighter liquidity. See Banks at a Glance for more.
This publication offers insights into how fintech is impacting banking and financial services and how bank supervisors think about risks and opportunities presented by financial technology.
Data privacy is quickly becoming a top-of-mind issue for consumers, businesses, regulators, and legislators following the steady stream of media reports about data breaches and data misuse. The United States has a patchwork of federal and state data privacy laws and statutes across industries, but the increasing focus on these issues has, in part, led to the development of new legal frameworks, such as California’s Consumer Privacy Act of 2018 (CCPA). The CCPA is prompting positive debate about how the patchwork of U.S. laws can be improved, but significant ambiguity remains.
These quarterly reports highlight key indicators of 12th District banking conditions.
The 3Q19 issue of First Glance 12L notes robust labor and housing markets in the District, but slower lending growth and weaker quarterly bank net interest margins. Banks’ on-balance sheet liquidity and capital ratios strengthened, on average. In addition to supervisory hot topics, the report spotlights wildfire-related risks in California.
This periodic report examines western real estate market conditions, bank lending concentrations, and loan quality indicators.
This issue of the Real Estate Lending Risks Monitor focuses on office sector performance, as well as the impact of coworking space on office demand in the 12th District.
Federal Reserve System Publications
Community Banking Connections
A Federal Reserve System website and publication providing additional insight on recent supervisory and regulatory developments related to community banking.
A Federal Reserve System resource that discusses supervisory expectations in selected areas in the context of a typical community bank business model.
Federal Reserve Supervision and Regulation Report
A Federal Reserve System report summarizing banking conditions and the Federal Reserve's supervisory and regulatory activities.
Consumer Compliance Outlook
A Federal Reserve System publication dedicated to providing information and analysis of current consumer compliance issues.
Consumer Compliance Supervision Bulletin
A Federal Reserve System publication to share information about Federal Reserve examiners' observations and other noteworthy developments related to consumer protection.
The Federal Reserve System: Purposes and Functions
A Federal Reserve System publication that provides additional information on the Federal Reserve's history, responsibilities, and activities.
Community Investments Magazine
This periodic publication focuses on current community development issues.
District Circular Letters
The Federal Reserve Bank of San Francisco uses circular letters to communicate new policies and announcements to institutions in the Twelfth Federal Reserve District.
Educational Resources and Publications
A list of resources and publications for teachers and students.
ETC: Economic Trends and Conditions
A periodic overview of national and regional economic issues of relevance to financial institutions. This publication was discontinued as of September 2012, but see archived issues here. Visit the Reserve Bank's Economic Research Publications page for current economic data, analysis, and commentary.