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 Small denominations play a special role in a payments ecosystem because they facilitate exchange for small-value goods and services. This report examines the $1 bill holdings of adults in the United States using data from the Diary of Consumer Payments Choice (DCPC). Simply knowing the number of $1 bills in circulation is not useful for understanding consumers' actions, since many of these bills are held by merchants. The costs and benefits to the consumer of carrying $1 bills have been largely ignored in the policy discussion of the costs of switching from dollar notes to dollar coins. Knowing the facts about U.S. adult consumers' holdings of $1 bills represents a first step toward gaining an understanding of these costs and benefits to consumers.

The Federal Reserve Financial Services (FRFS) strategic plan for 2012-2016 named improvements in the end-to-end speed and security of the payment system as two of its policy initiatives. End-to-end in this context means that for the first time end-users are explicitly included. Earlier versions of the strategy plan were circulated for public comment, and the feedback received by FRFS specifically identified a need for further research

Financial institutions are obvious targets for cybercriminals, especially when they offer consumer credit online. Organized fraud rings are out to make big profits using stolen or synthetic identities on these application platforms. UMB was no exception and they knew they needed a strong, multi-layered strategy to protect their customers and brand reputation.
In May 2014, the New York State Department of Financial Services (“the Department”) published a report titled “Report on Cyber Security in the Banking Sector” that described the findings of its survey of more than 150 banking organizations. The report specifically highlighted the industry’s reliance on third-party service providers for critical banking functions as a continuing challenge. In light of the increasing number and sophistication of cyber attacks, including recent breaches at both banks and insurers, the Department is now considering, among other regulations, cyber security requirements for financial institutions that would apply to their relationships with third-party service providers.
This Mercator Advisory Group Research Brief sponsored by Discover Financial Services examines the U.S. inbound travel market and international payment network alternatives and shows that it will become increasingly important for U.S.-based merchants to become comfortable accepting international visitors’ payment cards or risk losing transactions to other retailers.
J.G. Wentworth plans to grow its core business, diversify into new businesses, and become an information-based company by using a build-partner-buy strategy to enter new lines of business. This whitepaper looks at how J.G. Wentworth is evolving into a diversified, digital fiancial services provider.
Mobile phones have increasingly become tools that consumers use for banking, payments, budgeting, and shopping. Given the rapid pace of developments in the area of mobile finance, the Federal Reserve Board began conducting annual surveys of consumers’ use of mobile financial services in 2011. The survey examines trends in the adoption and use of mobile banking, payments, and shopping behavior and how the emergence of mobile financial services affects consumers’ interaction with financial institutions.
First Data’s 2014 U.S. Gift Card Holiday Mystery Shopping Study sent mystery shoppers into approximately 658 stores across 63 retailers nationwide. Discover the latest gift card trends and notable consumer behaviors set to drive customer loyalty and gift cards sales in the year ahead and beyond.
Virtual currency schemes (VCS) have experienced remarkable developments over the past two years. A review by the European Central Bank 

Report first provides a brief federal legislative history of identity theft laws. Congressional Research Service
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