Dallas Fed Banking
Securing digital financial assets from AI-driven fraud, a shared mission
Artificial Intelligence (AI)-assisted fraud intersects three connected participants: consumers who need to protect digital access to their financial assets and virtual lives, banks with an obligation to authenticate customers and safeguard accounts, and federal banking agencies that promote a safe, sound and resilient financial system.
September 04, 2026
Dallas Fed Banking
Consumer compliance remains a multipronged effort
As banks embrace a financial landscape evolving with technological advancements, regulatory changes and shifting consumer expectations, they need strong consumer compliance programs to mitigate regulatory and legal risk while maintaining consumers’ trust.
September 04, 2026
Dallas Fed Banking
Oil and gas and renewable energy projects demand tailored risk management approaches
The oil and gas sector faces transition pressures and the potential for stranded assets. On the other hand, the renewable energy sector is very sensitive to legislative changes affecting tax incentives and subsidies.
September 04, 2026
Dallas Fed Economics
Tokenized deposits could affect bank liquidity, maturity transformation
Development of faster payment infrastructure has accelerated in recent years. Real-time payment options for individuals and businesses have grown substantially, including the Federal Reserve’s FedNow platform allowing instant payment processing for eligible banks and credit unions.
August 25, 2026
Economic Surveys
Banking Conditions Survey
Loan volume and demand continued to grow sizably in August. Volume rose across all loan types.
August 17, 2026
Dallas Fed Banking
Rig count no longer a reliable bellwether for risk in oil and gas services lending
For decades, commercial lenders relied on a simple rule when evaluating credit risk in oil and gas support services: follow the U.S. rig count. But a portfolio classification of oil and gas support services now encompasses businesses with radically different risk profiles.
July 16, 2026
Dallas Fed Economics
Tokenized deposits use blockchain structure in traditional banking framework
Commercial banks have begun exploring adoption of tokenized deposits, traditional deposits that rely on blockchain technology and allow payments to settle almost instantaneously.
July 14, 2026
Speeches and essays
Discussion of 'An Efficient Liquidity Savings Mechanism' by Darrell Duffie, Srisht Fateh Singh and Chaojun Wang
Remarks delivered by Sam Schulhofer-Wohl at The Future of Market Liquidity and Functioning Workshop.
July 09, 2026
Economic Surveys
Banking Conditions Survey
Loan volume and demand grew notably in June. Volume rose across all loan types except for consumer loan volume which was stable.
June 29, 2026
Dallas Fed Economics
Term funding premium: Time is money even absent interest rate risk
Term premium, a central concept in analysis of interest rates and monetary policy, is generally viewed largely as compensation for bearing interest-rate risk. However, Treasury asset swap spreads strongly indicate the existence of a distinct premium—a term funding premium—associated with merely providing term financing. This funding premium shows promise as a real-time indicator of Treasury market stress.
June 25, 2026