Board of Governors of the Federal Reserve System

The Federal Reserve, the central bank of the United States, provides the nation with a safe, flexible, and stable monetary and financial system.

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FRB: Beige Book - Richmond
consumer confidence and unseasonably favorable weather. In Washington,
URL: https://www.federalreserve.gov/fomc/beigebook/1999/19990505/5.htm

FRB: Beige Book - New York
Consumer Spending Retailers report that sales slowed to a more normal
URL: https://www.federalreserve.gov/fomc/beigebook/1999/19990811/2.htm

FRB: Beige Book - Richmond
consumers' investment portfolios as a major contributing factor. Layoff
URL: https://www.federalreserve.gov/fomc/beigebook/2001/20010502/5.htm

FRB: Beige Book - Richmond
consumer loan applications at her bank had deteriorated, leading to a
URL: https://www.federalreserve.gov/fomc/beigebook/1996/19961030/5.htm

FRB: Beige Book - Chicago
Consumer Spending Retail sales improved moderately from August to September
URL: https://www.federalreserve.gov/fomc/beigebook/1996/19961030/7.htm

FRB: Beige Book - Dallas
consumer loans. Some bankers, and others as well, have expressed increasing
URL: https://www.federalreserve.gov/fomc/beigebook/1997/19970507/11.htm

FRB: Beige Book - Dallas
consumer and mortgage lending rates, but noted that delinquency rates
URL: https://www.federalreserve.gov/fomc/beigebook/1997/19971029/11.htm

FRB: Beige Book - Boston
consumer electronics, home furnishings, building materials, and general
URL: https://www.federalreserve.gov/fomc/beigebook/1998/19980617/1.htm

FRB: Beige Book - New York
Consumer Spending Major retailers generally report that sales in the region
URL: https://www.federalreserve.gov/fomc/beigebook/1998/19980916/2.htm

FRB: Beige Book - New York
Consumer Spending Despite brisk post-Thanksgiving business, most retailers
URL: https://www.federalreserve.gov/fomc/beigebook/1998/19981209/2.htm

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Last Update: September 17, 2026