ACRL News Issue (B) of College & Research Libraries C&RL N e w s ■ N o v e m b e r 1999 / 821 Free information is now available to you by Ruth Kobylecky Humphrey B a n k in g d a ta a n d re se a rc h , o n c e availab le o n ly th r o u g h s p e c ia liz e d g o v e r n m e n t p u b lic a tio n s o r b y re q u e s t fro m m a n y sourc a re n o w in cre asin g ly a v ailab le th ro u g h th e In tern e t. Students, scholars, b a n k in g p ro fe s­ sio n a ls, a n d p u b lic p a tro n s c a n n o w m o re easily fin d m a n y d ifferent levels o f financial inform ation, especially w ith in th e U nited States. T h is article, w h ic h c o n c e n tra te s p rim a ­ rily o n g o v e rn m e n t sites th a t c o n ta in fre e d a ta o r a sso c ia tio n sites th a t o ffe r a ssista n c e a n d in fo rm a tio n to th e ir m e m b e rs , w ill h e lp yo u : • fin d a m o d ifie d b a la n c e s h e e t (c a lle d a “c all r e p o r t ” o r “s ta te m e n t o f c o n d itio n ”) o f a n y b a n k , FDIC in s u re d thrift, o r b a n k h o ld ­ ing c o m p a n y w ith in th e U n ite d States. O r find b a s ic fin a n c ia l i n f o r m a t io n fo r i n d iv id u a l b ra n c h e s o f a b a n k — in fo rm a tio n th a t is n o t re a d ily fo u n d in a n a n n u a l re p o rt; • u s e in fo rm a tio n (lik e d e p o s its ) in th o s e b ra n c h e s to h e lp d e te r m in e th e m a rk e t s h a re o f fin a n c ia l in stitu tio n s w ith in a z ip c o d e , to w n , o r state; • lo o k a t a s s e s s m e n ts o f b o th th e b a n k ­ ing a n d t h e re al e s ta te in d u strie s n a tio n w id e ; • lo o k u p m a n y d iffe re n t b a n k in g -re la te d in d e x e s a n d ra te s fo r d e c a d e s a t a tim e; • fin d o u t h o w m u c h o l d sa v in g s b o n d s a re w o rth , se t u p y o u r o w n a c c o u n t to b u y T re a su ry se c u ritie s, a n d le a rn w h e n th e n e x t T -bill a u c tio n w ill b e h e ld ; a n d • in v estig a te b a n k in g a n d fin a n c e in o th e r n a tio n s, as w e ll a s th e m e a n s b y w h ic h th e ir es, e c o n o m ie s a re m a in ta in e d . F e d e ra l a g e n c ie s • N a t i o n a l I n f o r m a t i o n C e n t e r ( N I C ) . T h is site p r o v id e s c o m p re h e n s iv e in fo rm a ­ tio n o n b a n k s a n d o th e r in stitu tio n s fo r w h ic h th e F e d e ra l R e se rv e h a s a s u p e rv iso ry , re g u ­ latory, o r re s e a rc h in te rest. NIC in c lu d e s b o th d o m e s tic a n d fo re ig n b a n k in g o rg a n iz a tio n s o p e ra tin g in th e U n ite d States. O rg a n iza tio n a l stru c tu re , e v e n o n a h isto ric a l b a sis, is a vail­ a b le . T h is is u s e fu l w h e n in v e s tig a tin g w h a t b a n k m e rg e d o r a c q u ire d a n o th e r b a n k . Fi­ n a n c ia l in fo rm a tio n is a v a ila b le fo r s e le c te d tim e p e rio d s . B a n k s c a n a ls o b e a u to m a ti­ cally ra n k e d in siz e b y v a rio u s criteria. A c ­ cess: h t tp ://w w w .f f ie c .g o v /n ic /. • F e d e r a l F i n a n c i a l I n s t i t u t i o n s E x a m i ­ n a t i o n C o u n c i l . T h is in te ra g e n c y c o u n cil, w h ic h o u tlin e s u n ifo rm p ro c e d u re s for th e fe d ­ eral e x am in atio n o f financial institutions, serves as th e site fo r NIC a n d also offers a n n u a l H o m e M ortgage D isclosure A ct D ata in th e a g g re ­ gate, b y c e n s u s tract, a n d b y m e tro p o lita n sta­ tistical area. Access: h ttp ://w w w .ffie c .g o v /. • F e d e r a l D e p o s i t I n s u r a n c e C o r p o r a ­ t i o n (F D I C ). T h e FDIC o p e ra te s a fine W eb site w ith e le ctro n ic v e rsio n s o f se v e ra l im p o r­ ta n t b a n k in g re se a rc h p u b lic a tio n s. “T h e D ata A bout th e author R uth Kobylecky H um p h re y is a m edical lib ra ria n in th e W ebster Library a t Evanston H osp ita l in Evanston, Illinois, e-m ail: h um phrey@ earthlink.net. She w as a research lib ra ria n a t th e Federal Reserve B ank o f Chicago Library f o r o v e r te n years. IN T E R N E T R ES O U R C E S Banking data and research http://www.ffiec.gov/nic/ http://www.ffiec.gov/ mailto:humphrey@earthlink.net 822 / C&RL N ew s ■ N o v e m b e r 1999 B ook: O p e ra tin g B a n k s a n d B ra n c h e s” p re ­ se n ts b a sic financial d a ta b y ind iv id u a l b ra n c h , as w ell as b y b a n k . T h e s e figures c a n b e r a n k e d to s h o w a b a n k ’s m a rk e t sh a re in a p a rtic u la r city o r z ip c o d e . “H istorical Statistics o n B a n k ­ in g ” a n d “Statistics o n B a n k in g ” offers large a m o u n ts o f d a ta b y state. “Q u a rte rly B a n k in g P rofile” a n d “S urvey o f Real E state T re n d s ” p ro v id e s e x c e lle n t e x a m in a tio n s o f th e s e in ­ d u stries b o th n a tio n w id e a n d b y region. E n­ tirely n e w is th e FDIC’s se c tio n listing specific o n lin e b a n k s th a t a re a u th o riz e d to d o b u si­ n e s s in th e U n ite d States. P ress re le a s e s c o n ­ tain in g w a rn in g s a b o u t q u e s tio n a b le activities o f o n lin e b a n k s m a y a lso b e h e lp fu l to th e c o n su m er. T h e institu tio n d irec to ry w ill h e lp a s e a rc h e r identify a b a n k a n d t h e n s e e its call re p o rt d ata, w h ic h in c lu d e s m ate ria l n o t s e e n in NIC. Also o f n o te is th e FDIC Library p a g e , listing c o m m e rc ial firm s th a t b u y th e call re ­ p o rt in fo rm a tio n fro m th e g o v e rn m e n t a n d o f­ fer th e ir o w n ratin g s (fo r a fe e ) o f th e safety a n d s o u n d n e s s o f c o m m e rc ial financial insti­ tu tio n s. Access: h ttp ://w w w .fd ic .g o v /. • O f f i c e o f t h e C o m p t r o l l e r o f t h e C u r ­ r e n c y (O C C ). E s ta b lis h e d in 1863 a s a b u ­ r e a u o f th e U.S. D e p a r tm e n t o f th e T rea su ry , t h e O C C c h a rte rs , re g u la te s , a n d s u p e rv is e s all n a tio n a l b a n k s . It a ls o s u p e rv is e s t h e f e d ­ e ra l b r a n c h e s a n d a g e n c ie s o f fo r­ e ig n b a n k s. T h is site h a s a g o o d e x ­ p la n a tio n o f h o w to trac k d o w n d a ta Comptroller of the Currency Administrator of National Banks o n a sp e c ific fin an c ia l in stitu tio n w h e n y o u d o n ’t k n o w w h o re g u la te s it. T h e O CC is also b lu n t a b o u t s o m e call re p o rt d a ta still b e in g o n ly available in p a p e r u p o n request. Access: http ://w w w .o cc.treas.g o v /. • O f f i c e o f T h r i f t S u p e r v i s i o n ( O T S ). T h e OTS, th e p rim a ry re g u la to r o f all fe d era l a n d m a n y sta te -c h a rte re d thrift in stitu tio n s (in ­ c lu d in g sa v in g s b a n k s a n d sa v in g s a n d lo a n a sso c ia tio n s), p ro v id e s a c c e s s t o c o s t o f fu n d s d a ta a n d o t h e r s e rie s o f sta tistics a n d fig u res a b o u t t h r if t s o n its s i t e . A c c e s s : h t t p : / / w w w .o ts .tr e a s .g o v /. • F e d e r a l H o u s i n g F i n a n c e B o a r d (F H F B ). T h e re g u la to r fo r th e F e d e ral H o m e L o a n B a n k S y s t e m , t h e F H F B m a i n ­ tain s m a n y d e ta ile d su rv e y s o f in te re s t rates, lo a n term s, a n d h o u s e p ric e s b y lo a n ty p e a n d b y in stitu tio n a l l e n d e r ty p e . A ccess: h t t p : / / w w w .fh fb .g o v /. • N a t i o n a l C r e d i t U n i o n A d m i n i s t r a ­ t i o n . T h i s is a n i n d e p e n d e n t f e d e r a l a g e n c y t h a t s u p e r v i s e s a n d i n s u r e s f e d e r a l c r e d i t u n i o n s a n d i n s u r e s m a n y s t a t e - c h a r ­ t e r e d c r e d i t u n i o n s . T h e W e b s ite o f f e r s c a ll r e p o r t in f o r m a t io n o n i n d iv i d u a l c r e d it u n i o n s . A c c e s s: h t t p : / / w w w . n c u a . g o v / . • T h e B u r e a u o f t h e P u b l i c D e b t . T h is a g e n c y ’s n a m e d e s c r i b e s its f u n c t i o n v e r y w e ll. T h e s i t e h a s d e t a i l e d r e s u l ts o f p r e ­ v i o u s a u c t i o n s o f T r e a s u r y b ills , n o t e s a n d b o n d s , lis ts u p c o m i n g a u c t i o n s , a n d g iv e s i n f o r m a t i o n o n e s t a b l i s h i n g T r e a s u r y D i­ re c t a c c o u n ts t o p u r c h a s e s u c h g o v e r n m e n t s e c u r i t i e s ( e v e n o n l i n e ! ) . M u c h s a v i n g s b o n d i n f o r m a t i o n is a ls o a v a i l a b l e h e r e . A c c e s s: h t t p : / / w w w . p u b l i c d e b t .t r e a s .g o v / . • F i n a n c i a l M a n a g e m e n t S e r v i c e (F M S ). T h e FMS, a T rea su ry D e p a rtm e n t b u ­ re au , calls itself th e U.S. g o v e rn m e n t’s fin a n ­ cial m a n a g e r a n d a c c o u n ta n t. N avigate to th e full te x t o f th e m a jo r p u b lic a tio n “T rea su ry B u lle tin ,” w ith its d e ta ile d a c c o u n tin g o f th e n a tio n ’s c u rre n c y , se curities, a n d o th e r fin an ­ cial in stru m e n ts. Access: h ttp ://w w w .fm s .tre a s . g o v fin m a n .h tm l. • F in C E N . P a r t o f t h e U.S. T re a s u r y , t h e F in a n c ia l C rim e s E n f o r c e m e n t N e tw o r k s ite d i s c u s s e s m o n e y l a u n d e r i n g a n d o t h e r f i n a n c ia l c r im in a l a c ti v it i e s in m u c h d e ta il. A c c e s s: h t t p : / / w w w . u s t r e a s . g o v / f i n c e n / . • G e n e r a l A c c o u n t i n g O f f i c e ( G A O ). B ro w s e th ro u g h th e site o f C o n g re ss’s investi­ g a tiv e w a tc h d o g fo r critical in v estig a tio n s o f m a n y c u rre n t a n d e m e rg in g to p ic s in b a n k in g a n d fin an c e. Full te x t o f GA O re p o rts c a n b e e ith e r d o w n lo a d e d o r r e q u e s te d in p rint. A c ­ cess: h ttp ://w w w .g a o .g o v /. T h e F e d e r a l R e s e r v e S y s t e m A lth o u g h th e W e b sites o f th e F e d e ral R eserve B o a rd a n d th e 12 F e d e ral R eserve B a n k s a re all e x te n siv e ly lin k e d , e a c h site m a in ta in s its o w n p e rso n a lity a n d specialties. In g e n era l, m o st n a tio n a l e c o n o m ic a n d b a n k in g d a ta se ­ ries th a t th e p re ss a ttrib u te s to th e F e d e ral Re­ se rv e o rig in a te from th e B oard. If in te re s te d in http://www.fdic.gov/ http://www.occ.treas.gov/ http://www.ots.treas.gov/ http://www.fhfb.gov/ http://www.ncua.gov/ http://www.publicdebt.treas.gov/ http://www.fms.treas http://www.ustreas.gov/fincen/ http://www.gao.gov/ C&RL N e w s ■ N o v e m b e r 1999 / 823 a p a rtic u la r p a r t o f th e c o u n try , c h e c k th e B o a rd ’s W e b site m a p o f F e d e ral R eserve D is­ tricts (b ro k e n d o w n b y c o u n ty ) to s e e w h ic h F ed eral R eserve B a n k s c o v e r th e a rea , t h e n n a vigate th ro u g h th o se b a n k s ’ sites to se e w h a t re g io n a l data, forecasting, o r links a re offered. T h e b a n k s ’ URLs a re listed b e lo w , b u t o n ly s e le c te d h ig hlights h a v e b e e n fe atu red . • B o a r d o f G o v e r n o r s o f t h e F e d e r a l R e s e r v e S y s t e m . F o u n d e d b y C o n g re ss in 1 913, t h e F e d e r a l R e s e r v e c o n d u c t s t h e n a t i o n ’s m o n e t a r y p o lic y , s u p e r v i s e s a n d re g u la te s b a n k in g in stitu tio n s, is c h a rg e d w ith m a in ta in in g th e sta b ility o f th e U.S. fin an c ia l sy ste m a n d p ro v id e s c e rta in fin an c ia l se rv ice s to th e U.S. g o v e rn m e n t, fin a n c ia l in stitu tio n s, a n d p u b lic a n d fo re ig n official in stitu tio n s. T h e site m a p w ill s h o w h o w rich a n d c o m ­ p le x th is W eb site is to b a n k in g re s e a rc h e rs . O f p a rtic u la r in te re s t to b a n k in g re s e a rc h e rs a re ite m s lik e “A ssets a n d L iabilities o f C o m ­ m e rc ia l B a n k s in th e U n ite d S ta te s” (H .8 ), th e “B e ig e B o o k ,” a list o f S e c tio n 20 S u b s id ia r­ ies, th e “R e p o rt t o C o n g re ss o n F e e s ,” a n d “S e rv ic e s o f D e p o s i t o r y I n s t i tu t i o n s .” T h e “Staff S tu d ie s” a n d F e d e ra l R eserve B u lle tin a rtic le s a re w o r th b r o w s in g th ro u g h , a s w ell. F a sc in a tin g d is c u s s io n s o n a v a rie ty o f p r o b ­ le m s a n d s itu a tio n s c a n b e f o u n d in se c tio n s lik e L eg a l I n t e r p r e ta t io n s , P u b lic M e e tin g T ra n s c rip ts a n d SR L etters, th e last o f w h ic h a re th e B o a rd ’s g u id a n c e to t h e s y s te m ’s b a n k e x a m in e rs . C u rre n t a n d h isto ric a l ta b le s o f d a ta lik e fo re ig n e x c h a n g e ra te s, s e le c te d in­ t e r e s t ra te s, a n d c o n s u m e r c re d it a re a v ail­ a b le in a v a rie ty o f fo rm a ts. A ccess: h t t p : / / w w w .f e d e r a lr e s e r v e .g o v /. • F e d e r a l R e s e r v e B a n k o f A t l a n t a . T h e h a n d y b r o c h u re “F u n d a m e n ta l F a c ts a b o u t U.S. M o n e y ” is o n ly o n e o f th e m a n y u se fu l p u b lic a tio n s fro m th e 12 b a n k s a v a ila b le in p rin t a n d o n th e s ite o f th e b a n k th a t w ro te th e m . A ccess: h t tp : / /w w w .f r b a t l a n t a .o r g / . • F e d e r a l R e s e r v e B a n k o f B o s t o n . A c ­ cess: h t t p : / /w w w .b o s .f r b .o r g / . • F e d e r a l R e s e r v e B a n k o f C h i c a g o . This site c o n ta in s th e “P a y m e n t S ystem s R e se a rc h D a ta b a s e ,” a n a n n o ta t e d b ib lio g r a p h y th a t c o v e rs b o t h h isto ric a l a n d e m e rg in g is s u e s in e le c t r o n i c b a n k in g , c le a r i n g s y s te m s , a n d c o m m e r c e . T h e l o n g - r u n n i n g n e w s l e t t e r A gletter, w h ic h in c lu d e s th e “F a rm la n d V alue S urvey in th e D istrict,” is a n o th e r n o ta b le ite m a t th is site. A ccess: h t tp : / /w w w .f r b c h i .o r g / . • F e d e r a l R e s e r v e B a n k o f C l e v e l a n d . A ccess: h ttp : / /w w w .c l e v .f r b .o r g / . • F e d e r a l R e s e r v e B a n k o f D a l l a s . A c ­ cess: h t tp : / /w w w .d a l l a s f e d .o r g / . • F e d e r a l R e s e r v e B a n k o f K a n s a s C ity . S u rv e y o f A g r ic u ltu r a l C re d it C o n d itio n s is a n ­ o t h e r u se fu l a g ric u ltu ra l b a n k in g n e w sle tte r, c o v e r i n g t h i s d i s t r i c t . A c c e s s : h t t p : / / w w w .k c .f rb .o r g /. • F e d e r a l R e s e r v e B a n k o f M i n n e a p o ­ l i s . A g r ic u ltu r a l C re d it C o n d itio n s a n d th e in te rv ie w s in T he R e g io n a re tw o p u b lic a tio n s o f sp e c ia l in te re s t a t th is W eb site. Access: h ttp : / /w o o d r o w .m p l s .f r b .f e d .u s / . • F e d e r a l R e s e r v e B a n k o f N e w Y o r k . T h is W eb site c o v e rs o n ly a fra c tio n o f th e d u tie s a n d r e p o rtin g th a t a re e x c lu s iv e to th is b a n k . E x a m in e th is site c a re fu lly fo r in fo r­ m a tio n c o n c e rn in g fo re ig n e x c h a n g e ra te s (in ­ c lu d in g t h e “T u rn o v e r S u rv e y ”), p rim a ry d e a l­ e rs, c o m m e rc ia l p a p e r, i n te rb a n k lo a n ra te s, a n d o th e rs . O th e r f e a tu re s o f in te re s t a re a first-rate sa v in g s b o n d c a lc u la to r a n d “U.S. P a y m e n t System s: A P lu m b e r’s G u id e .” A c ­ cess: h ttp : / /w w w .n y .f r b .o r g / . • F e d e r a l R e s e r v e B a n k o f P h i l a d e l ­ p h i a . “T h e L iv in g sto n S u rv e y ,” a s u m m a ry o f e c o n o m ic fo re c a ste rs , is a p o p u l a r fe a tu re o f th is site. A ccess: h ttp : / /w w w .p h i l.f r b .o r g / . • F e d e r a l R e s e r v e B a n k o f R i c h m o n d . T h is b a n k p ro d u c e s o n e o f th e sy ste m ’s b e st fre e p u b lic a tio n s to b e fo u n d in p rin t a n d o n th e net: “In stru m e n ts o f th e M o n e y M a rk et.” Access: h ttp ://w w w .ric h .frb .o rg /. • F e d e r a l R e s e r v e B a n k o f S a n F r a n ­ c i s c o . T h is site is t h e h o m e o f th e F ed in P r i n t d a ta b a s e , w h ic h in d e x e s a n d a b stra c ts t h e p e rio d ic a ls , w o r k in g p a p e r s , a n d c o n fe r­ e n c e p r o c e e d in g s p u b l is h e d b y th e F e d e ra l R e se rv e System . R e c e n t a rtic le s a n d w o rk in g p a p e r s fre q u e n tly a p p e a r a s links; o ld e r m a ­ te ria l is o f te n a v a ila b le t h r o u g h c o n v e n tio n a l interlibrary loan. Access: http:A vw w .frbsf.org/. • F e d e r a l R e s e r v e B a n k o f S t. L o u i s . “F re d ,” o n e o f th e first e le c tro n ic c o m p ila ­ tio n s o f historical e c o n o m ic a n d b a n k in g d ata, f e a tu re s m o re t h a n ju st F e d e ra l R e se rv e d a ta . A lso availab le at th is site a re s o m e o f St. Louis’s p o p u la r c o n su m er-o rien te d periodicals like U.S. F in a n c ia l D a ta a n d N a tio n a l M o n e ta ry Trends. Access: h ttp ://w w w .s tls .frb .o rg /. S ta te b a n k in g c o m m is s io n s • C o n f e r e n c e o f S ta te B a n k S u p e r v i s o r s http://www.federalreserve.gov/ http://www.frbatlanta.org/ http://www.bos.frb.org/ http://www.frbchi.org/ http://www.clev.frb.org/ http://www.dallasfed.org/ http://www.kc.frb.org/ http://woodrow.mpls.frb.fed.us/ http://www.ny.frb.org/ http://www.phil.frb.org/ http://www.rich.frb.org/ http:Avww.frbsf.org/ http://www.stls.frb.org/ 824 / C&RL N e w s ■ N o v e m b e r 1999 (C S B S ). CSBS is a n a tio n a l o r g a n iz a tio n o f s ta te b a n k in g re g u la to ry o ffic e s try in g to e n ­ c o u ra g e th e d u a l b a n k in g sy ste m o f th e U n ited S tates (a b a n k ’s c h o ic e o f e ith e r sta te o r fe d ­ e ra l re g u la tio n , b a s e d u p o n th e b a n k ’s c h a r­ ter). B e s id e s d is c u s s in g th e o p e r a t io n a n d p ro b le m s o f b a n k in g a c ro ss sta te lin e s, th is W eb site a ls o h a s a n e x tre m e ly u se fu l list o f lin k s to all sta te b a n k in g re g u la to rs . A ccess: h t tp : / /w w w .c s b s d a l.o r g / . In te rn a tio n a l b a n k in g • B a n k f o r I n t e r n a t io n a l S e ttle m e n ts (BIS). A u n iq u e a n d so m e tim e s c o n tro v e rsial institu­ tio n th a t b e g a n in th e 1930s, th e BIS is b o th a c e n tra l b a n k in g in stitution a n d a c o m m e rc ial b a n k located in Switzerland. It is primarily o w n e d a n d controlled b y central banks; its depositors are lim ited to central b a n k s a n d latge interna­ tional financial institutions. T h e BIS offers a fo ru m fo r th e in te rn a tio n a l d isc u ssio n o f m a ­ jor topics, like d erivatives a n d capital a d e q u a c y sta n d a rd s , a n d h e lp s c o o rd in a te th e efforts o f central b a n k s in th e s e m atters. Its e x cellent W eb site h a s links to central b a n k s a ro u n d th e w orld, a n d offers BIS statistical surveys, c o m m itte e p o sitio n p a p e rs, a n d o th e r d o c u m e n ts c o n ta in ­ ing p o licies th at h a v e a n e n o rm o u s effect u p o n e v e n th e d o m e s tic b a n k in g in d u stry o f th e U n ite d States. Access: h ttp ://w w w .b is .o r g /. • M a r k B e r n k o p f s C e n t r a l B a n k i n g R e ­ s o u r c e C e n t e r . N ot a g o v e r n m e n t site, this W eb p a g e h a s a list o f lin k s to th e W eb p a g e s o f t h e c e n tra l b a n k s o f n a tio n s w o rld w id e . A lso o f n o te a re th e lin k s to o th e r n a tio n s ’ c u rre n c y b o a r d s a n d m in istries o f fin a n c e a n d e c o n o m y . A v a rie ty o f o t h e r lin k s p e rta in in g t o b a n k in g a n d e c o n o m ic s a ls o a p p e a r. A c ­ cess: h ttp : / / a d a m s . p a tr io t. n e t/ ~ b e r n k o p f /. P ro fe s s io n a l o r g a n iz a t io n s • A m e r i c a n B a n k e r s A s s o c i a t i o n . T h e p rin cip al a sso c iatio n o f b a n k e rs in th e U n ited States, this W eb site h a s info rm a tio n a b o u t their activities a n d services to their m em b ersh ip . O n e o f th e ir su rv e y s is k n o w n a s th e C o n su m e r D e l in q u e n c y S u rv e y . A ccess: h t t p : / / w w w . a b a .c o m /. • B a n k M a r k e t i n g A s s o c i a t i o n (B M A ). A n affiliate o f th e A m e ric a n B a n k e rs A sso ­ c ia tio n , t h e BMA is a larg e fin a n c ia l se rv ic e s m a rk e tin g o rg a n iz a tio n . It p ro v id e s m a rk e t­ in g in fo rm a tio n a n d e d u c a ti o n to its m e m ­ b e rs. A ccess: h t tp : / /w w w .b m a n e t.o r g / . • B a n k A d m i n i s t r a t i o n I n s t i t u t e (B A I ). T h e BAI is a p ro fe s s io n a l o rg a n iz a tio n th a t p u b lis h e s a n d sells its stra te g ic r e s e a r c h a n d o ffers a v a rie ty o f c o n f e r e n c e s a n d se m in a rs. A ccess: h t tp : / /w w w . b a i . o r g / . • F i n a n c i a l S e r v i c e s R o u n d t a b l e . F o r­ m e rly k n o w n a s th e B a n k e rs ’ R o u n d ta b le a n d th e A s so c ia tio n o f R e se rv e City B a n k e rs , this a s s o c ia tio n d ra w s its se le c tiv e m e m b e rs h ip fro m th e largest financial in stitutions a n d c o m ­ p a n ie s in th e c o u n try . In fo rm a tio n a b o u t th eir p u b lis h e d s tu d ie s a n d p o lic y p a p e r s a re avail­ a b l e o n t h e i r W e b s i t e . A c c e s s : h t t p : / / w w w .b a n k e r s r o u n d .o r g / . • I n d e p e n d e n t C o m m u n i t y B a n k e r s o f A m e r i c a (I C B A ). F o rm e rly c a lle d th e I n d e ­ p e n d e n t B a n k e rs A s so c ia tio n o f A m e ric a, th e ICBA’s m e m b e rs h ip c o n c e n tra te s o n se rv in g in d e p e n d e n tly o w n e d a n d o p e r a t e d c o m m u ­ n ity b a n k s . A ccess: h t tp : / /w w w .i b a a .o r g / . • M o r t g a g e B a n k e r s A s s o c i a t i o n . O rg a ­ n iz e d fo r all p ro fessio n al p a rtic ip a n ts in v o lv e d in re a l e s ta te fin a n c e , th is g r o u p ’s W eb site lists its se rv ic e s fo r m e m b e rs a n d th e la te st r e le a s e s in its s u rv e y s lik e “M o rtg a g e D e lin ­ q u e n c y R a te s” a n d “M o rtg a g e L o an A p p lic a ­ tio n s .” A ccess: h t t p : / /w w w .m b a a .o r g / . Th e s e c o n d a ry m a rk e t • F r e d d i e M a c . T h i s s t o c k h o l d e r - o w n e d c o r p o r a t i o n , c h a r t e r e d b y C o n g r e s s in 1 9 7 0 , i n c r e a s e s t h e s u p p l y o f f u n d s a v a i l a b l e t o m o r tg a g e l e n d e r s b y b u y i n g m o r tg a g e s a n d t h e n r e p a c k a g i n g t h e m in to g u a r a n t e e d s e c u r i t i e s f o r s a l e in t h e s e c ­ o n d a r y m a r k e t. F r e d d i e M ac s t a n d a r d s a n d g u i d e l i n e s h a v e a n e n o r m o u s e f fe c t o n t h e s t a n d a r d s o f h o m e f i n a n c i n g l o a n s t h a t b a n k s a n d o t h e r f i n a n c ia l i n s t it u t io n s o f ­ fer. T h is s ite c o n t a i n s t h e o f t e n - c i t e d “P r i­ m a r y M o r t g a g e M a r k e t S u r v e y . ” A c c e s s : h t t p : / / w w w . f r e d d i e m a c . c o m / . • F a n n i e M a e . T h is s h a r e h o ld e r - o w n e d c o m p a n y , e s ta b lis h e d in a n o th e r fo rm in th e 1930s, a ls o e x p a n d s t h e av ailab ility o f m o rt­ g a g e fu n d s b y b u y in g FHA, VA, a n d c o n v e n ­ tio n a l m o rtg a g e s a n d se llin g th e m in in s u re d p a c k a g e s o n t h e s e c o n d a r y m a rk e t. A ccess: h t tp : / /w w w .f a n n i e m a e .c o m / . • F a n n i e M a e ’s H o m e P a t h ® . T his site c o n ta in s u se fu l in fo rm a tio n a b o u t b u y in g o r re fin a n cin g a h o m e , a n d offers a u se fu l g lo s­ sary a n d a m o rtg a g e calculator. Access: h t t p : / / w w w .h o m e p a th .c o m /. ■ http://www.csbsdal.org/ http://www.bis.org/ aba.com/ http://www.bmanet.org/ http://www.bai.org/ http://www.bankersround.org/ http://www.ibaa.org/ http://www.mbaa.org/ http://www.freddiemac.com/ http://www.fanniemae.com/ http://www.homepath.com/