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Government Information : Business and Economics: Federal Reserve system

Business resources from the Government


Consumer's Guide: Credit Reports and Credit Scores

Answers basic questions about your credit report, how your credit score is calculated, and how to fix errors found in your credit report.

Credit Card Repayment Calculator 
Estimate how long it will take you to pay off your credit card balance if you make only the minimum payment on time each month. 
Federal Reserve Consumer Help 
If you have a problem with a bank or other financial institution, contact the Federal Reserve for help.

Federal Reserve Act

Federal Reserve System Publication

Image of Book Cover - Functions of Federal ReserveThe Federal Reserve System: Purposes and Functions,

Provides a detailed look at the structure, responsibilities, and operations of the Federal Reserve System. Revised in 2005 to reflect changes in monetary, regulatory, and other policy areas. 

Federal Reserve

"The Federal Reserve System is the central bank of the United States. It was founded by Congress in 1913 to provide the nation with a safer, more flexible, and more stable monetary and financial system. 

Today, the Federal Reserve's duties fall into four general areas:

  • conducting the nation's monetary policy by influencing the monetary and credit conditions in the economy in pursuit of maximum employment, stable prices, and moderate long-term interest rates
  • supervising and regulating banking institutions to ensure the safety and soundness of the nation's banking and financial system and to protect the credit rights of consumers
  • maintaining the stability of the financial system and containing systemic risk that may arise in financial markets
  • providing financial services to depository institutions, the U.S. government, and foreign official institutions, including playing a major role in operating the nation's payments system"


97th Annual Report
Report on operations of the Board during the year.

Annual Report: Budget Review
Report on the current budgeted expenses of the Board of Governors and the Federal Reserve Banks.
The 2009 HMDA Data: The Mortgage Market in a Time of Low Interest Rates and Economic Distress
The data that mortgage lending institutions reported for 2009 under the Home Mortgage Disclosure Act of 1975 (HMDA) reflect the ongoing difficulties in the housing and mortgage markets. This article presents a number of key findings from a review of the 2009 HMDA data.
Image of cover of A Consumers Guide to Mortgage Refinancing brochure Consumer’s Guide to Mortgage Refinancing
Helps you answer the questions Should I, Can I, and How do I refinance my mortgage loan? Includes worksheets to help you determine whether refinancing will pay off for you and to help you shop for a mortgage loan to fit your financial situation. Also includes tips to help you through the refinancing process.
Image of IJCB journal cover International Journal of Central Banking Leaving the Board
The International Journal of Central Banking (IJCB) is an initiative of the central banking community.  Published quarterly, the journal features articles on central bank theory and practice, with a special emphasis on research relating to monetary and financial stability.

Economic Report of the President

The Economic Report of the President is an annual report written by the Chairman of the Council of Economic Advisers.

Issued by the Office of Management and Budget (OMB) the Budget of the United States contains the Budget Message of the President, information on the President’s priorities, budget overviews organized by agency, and summary tables.


Lucy Duhon's picture
Lucy Duhon
The University of Toledo
Carlson Library
2801 W. Bancroft St. (MS #509)
Toledo, OH 43606 USA
VM: (419) 530-2838
University webpage


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