Board of Governors of the Federal Reserve System

policies on commercial real estate (CRE) loans over the past year; the...policies for other types of loans to businesses and households.2 Similarly

investors are attracted to the higher returns they receive from investments...policies--differentiate the more successful performers from the less successful

investors, consumers and companies, took part in a flight to safety, seeking...investors responding to higher volatility. And as a conduit for official-sector

Investor Education Foundation (2013). Financial Capability in the United...Policy Makers. Washington: National Institute on Retirement Policy, February

expectations about changes in credit policies over the coming year. Loan...expectations. However, more than 60 percent of the larger domestic respondents

investors refused to offer new short-term lending or even to roll over...investors. Over time, these markets became--like traditional commercial

policy remains accommodative and, coupled with robust underlying growth...expectations remain well contained. The Committee perceives the upside

investors were increasingly using their securities as collateral to borrow

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investors) hold roughly 20 percent of the shares, which implies that retail...investors own the remaining roughly 80 percent of the outstanding crypto