Board of Governors of the Federal Reserve System

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• The Fed - The Cost Structure of Consumer Finance Companies and Its Implications for Interest Rates: Evidence from the Federal Reserve Board's 2015 Survey of Finance Companies

  income for future income) and risk bearing but also compensation for expenses...income, and lenders may choose to verify applicants' reported income).

  URL: https://www.federalreserve.gov/econres/notes/feds-notes/the-cost-structure-of-consumer-finance-companies-and-its-implications-for-interest-rates-20200812.html
  



• FRB: Supervisory Letter SR 01-4 (GEN) on subprime lending -- January 31, 2001 -- Revised June 2, 2026

  statement.) The purpose of the expanded guidance is to strengthen the ...statement, Interagency Guidance on Subprime Lending (See SR letter 99-

  URL: https://www.federalreserve.gov/supervisionreg/srletters/SR0104.pdf
  



• 2025 §165(d) Resolution Plan – Public Section P a g e | 1 DZ BANK AG Public Section of 2025 §165(d) U.S. Resolution

  income statement and the balance sheet of the Covered Company is set forth

  URL: https://www.federalreserve.gov/supervisionreg/resolution-plans/dz-deutsche-genossenschafts-3g-20250701.pdf
  



• FRB: Testimony, Phillips -- FASB proposals for derivatives and risk management -- October 1, 1997

  income-producing potential. Sound, well-managed firms can benefit if better...income statements and balance sheets--volatility that is not consistent

  URL: https://www.federalreserve.gov/boarddocs/testimony/1997/19971001.htm
  



• The Fed - Appendix B: Models to Project Net Income and Stressed Capital

  Income and Stressed CapitalAppendix C: BHC-Specific ResultsAppendix D:...Statements for Holding Companies--FR Y-9C report (FR Y-9C). The largest

  URL: https://www.federalreserve.gov/publications/2018-june-dodd-frank-act-stress-test-appendix-b-models-to-project-net-income-and-stressed-capital.htm
  



• Large Institution CRA Examination Procedures

  moderate-income areas, designated disaster areas, or distressed or underserved...middle-income geographies designated by the Agencies1 based on (a) rates

  URL: https://www.federalreserve.gov/supervisionreg/caletters/CA_14-2_attachment_1_Revised_Large_Institution_CRA_Examination_Procedures.pdf
  



• Income Mobility of the Top One Percent

  income inequality, income mobility, capitalization, income volatility,...income shares. Using income reported on tax returns, or fiscal income,

  URL: https://www.federalreserve.gov/econres/feds/files/2026015pap.pdf
  



• The Fed - Benchmarking Operational Risk Models

  income statements, even post crisis. So, operational risk practitioners

  URL: https://www.federalreserve.gov/econres/feds/benchmarking-operational-risk-models.htm
  



• The Fed - The Fed's Discount Window in "Normal" Times

  income statements. To aid in the interpretation of our empirical analysis

  URL: https://www.federalreserve.gov/econres/feds/the-feds-discount-window-in-normal-times.htm
  



• From: Kathryn Arnold To: CHI SR Comments Applications Subject: [External] Comment Against Enova as a National Bank

  income borrowers due to the high interest rates associated with Enova’...low-income clients) National National Consumers League National National

  URL: https://www.federalreserve.gov/foia/files/enova-comments-4.pdf
  

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