The Evolving Landscape of Bank Funding

October 30 – 31, 2025

Dallas

Hosted by the Federal Reserve Banks of Dallas, Atlanta and Cleveland

The Federal Reserve Banks of Dallas, Atlanta and Cleveland are hosting a research conference to bring together academics, bankers and policymakers to explore the evolving landscape of bank funding in an era of technological advancement and economic change. The conference program will focus on the trade-offs between the different sources of contingent liquidity funding available to banks, and financial stability considerations associated with contemporary depositor practices. It will also provide a fresh perspective on the 2023 banking turmoil and the larger history of the interaction between supervision and banking.

When

Oct. 30–31, 2025

Where

Federal Reserve Bank of Dallas
2200 N. Pearl St.
Dallas, TX 75201
Directions

Registration

Tentative agenda

Thursday, October 30
11:30 a.m.	Registration opens
12:00 p.m.	Lunch
12:15 p.m.	Welcome Lorie Logan, Federal Reserve Bank of Dallas
12:30 p.m.	Opening remarks Travis Hill, Federal Deposit Insurance Corporation
1:00 p.m.	Session 1: Interaction between the discount window and FHLB This session explores the trade-offs between the different sources of contingent liquidity funding available to banks. Anil Kashyap, University of Chicago Victoria Ivashina, Harvard University Sanjay Bhasin, Federal Home Loan Bank Dallas Moderator: Scott Frame, Bank Policy Institute
2:15 p.m.	Session 2: Depositors: Reliable or flighty? This session illustrates recent depositor behavior and explores financial stability considerations associated with contemporary depositor practices. Yiming Ma, Columbia University Amiyatosh Purnanandam, University of Texas at Austin Itay Goldstein, University of Pennsylvania Moderator: Skander Van den Heuvel, Federal Reserve Board of Governors
3:30 p.m.	Break
4:00 p.m.	Session 3: Moderated discussion among bankers Stasie Kostova, Comerica Bank Tim Schmidt, Key Bank Mike Verdeschi, Schwab Moderator: Ricardo Crumble, Northern Trust
5:15 p.m.	Reception
6:00 p.m.	Dinner and keynote address Darrell Duffie, Stanford University
7:00 p.m.	Adjourn
Friday, October 31
8:00 a.m.	Registration and breakfast
9:00 a.m.	Opening remarks Lorie Logan, Federal Reserve Bank of Dallas
9:30 a.m.	Session 4: The role of bank supervision This session provides a fresh perspective on the 2023 banking turmoil and the larger history of interaction between supervision and banking. Steven Kelly, Guggenheim Partners Beverly Hirtle, Federal Reserve Bank of New York Peter Conti-Brown, University of Pennsylvania Moderator: Mark Carey, Office of Financial Research
10:45 a.m.	Break
11:00 a.m.	Fireside chat Beth Hammack, Federal Reserve Bank of Cleveland Raphael Bostic, Federal Reserve Bank of Atlanta Moderator: Brian Cheung, NBC News
12:00 p.m.	Closing remarks
12:30 p.m.	Conference closes

For more information

Contact Sharon Wallace at sharon.wallace@dal.frb.org.