Federal Reserve Board Publications.

For ordering assistance, write PUBLICATIONS, MS-127, Board of Governors of the Federal Reserve System, Washington, DC 20551, or telephone [phone], or FAX [phone]. You may also use the publications order form available on the Board's World Wide Web site (http://www.federalreserve.gov). When a charge is indicated, payment should accompany request and be made payable to the Board of Governors of the Federal Reserve System or may be ordered via Mastercard, Visa, or American Express. Payment from foreign residents should be drawn on a U.S. bank.

BOOKS AND MISCELLANEOUS PUBLICATIONS

THE FEDERAL RESERVE SYSTEM--PURPOSES AND FUNCTIONS.
  1994. 157 pp.
ANNUAL REPORT, 2001.
ANNUAL REPORT: BUDGET REVIEW, 2001.
FEDERAL RESERVE BULLETIN. Monthly. $25.00 per year or $2.50
  each in the United States, its possessions, Canada, and
  Mexico. Elsewhere, $35.00 per year or $3.00 each.
ANNUAL STATISTICAL DIGEST: period covered, release date, number
  of pages, and price.

1981        October 1982    239 pp.   $ 6.50
1982        December 1983   266 pp.   $ 7.50
1983        October 1984    264 pp.   $11.50
1984        October 1985    254 pp.   $12.50
1985        October 1986    231 pp.   $15.00
1986        November 1987   288 pp.   $15.00
1987        October 1988    272 pp.   $15.00
1988        November 1989   256 pp.   $25.00
1980-89     March 1991      712 pp.   $25.00
1990        November 1991   185 pp.   $25.00
1991        November 1992   215 pp.   $25.00
1992        December 1993   215 pp.   $25.00
1993        December 1994   281 pp.   $25.00
1994        December 1995   190 pp.   $25.00
1990-95     November 1996   404 pp.   $25.00
1996-2000   March 2002      352 pp.   $25.00

SELECTED INTEREST AND EXCHANGE RATES--WEEKLY SERIES OF
  CHARTS. Weekly. $30.00 per year or $.70 each in the United
  States, its possessions, Canada, and Mexico. Elsewhere,
  $35.00 per year or $.80 each.
REGULATIONS OF THE BOARD OF GOVERNORS OF THE FEDERAL
  RESERVE SYSTEM.
ANNUAL PERCENTAGE RATE TABLES (Truth in Lending--Regulation
  Z) Vol. I (Regular Transactions). 1969. 100 pp.
  Vol. II (Irregular Transactions). 1969. 116 pp. Each volume
  $5.00.
GUIDE TO THE FLOW OF FUNDS ACCOUNTS. January 2000.
  1,186 pp. $20.00 each.
FEDERAL RESERVE REGULATORY SERVICE. Loose-leaf; updated
    monthly. (Requests must be prepaid.)
  Consumer and Community Affairs Handbook. $75.00 per year.
  Monetary Policy and Reserve Requirements Handbook. $75.00
    per year.
  Securities Credit Transactions Handbook. $75.00 per year.
  The Payment System Handbook. $75.00 per year.
  Federal Reserve Regulatory Service. Four vols. (Contains all
    four Handbooks plus substantial additional material.) $200.00
    per year.
  Rates for subscribers outside the United States are as follows
    and include additional air mail costs:
  Federal Reserve Regulatory Service, $250.00 per year.
  Each Handbook, $90.00 per year.
FEDERAL RESERVE REGULATORY SERVICE FOR PERSONAL
    COMPUTERS. CD-ROM; updated monthly.
  Standalone PC. $300 per year.
  Network, maximum 1 concurrent user. $300 per year.
  Network, maximum 10 concurrent users. $750 per year.
  Network, maximum 50 concurrent users. $2,000 per year.
  Network, maximum 100 concurrent users. $3,000 per year.
  Subscribers outside the United States should add $50 to cover
    additional airmail costs.
THE FEDERAL RESERVE ACT AND OTHER STATUTORY PROVISIONS
  AFFECTING THE FEDERAL RESERVE SYSTEM, as amended
  through October 1998. 723 pp. $20.00 each.
THE U.S. ECONOMY IN AN INTERDEPENDENT WORLD; A MULTI-COUNTRY
  MODEL, May 1984. 590 pp. $14.50 each.
INDUSTRIAL PRODUCTION--1986 EDITION. December 1986.
  440 pp. $9.00 each.
FINANCIAL FUTURES AND OPTIONS IN THE U.S. ECONOMY.
  December 1986. 264 pp. $10.00 each.
FINANCIAL SECTORS IN OPEN ECONOMIES: EMPIRICAL ANALYSIS
  AND POLICY ISSUES. August 1990. 608 pp. $25.00 each.
RISK MEASUREMENT AND SYSTEMIC RISK: PROCEEDINGS OF A
  JOINT CENTRAL BANK RESEARCH CONFERENCE. 1996.
  578 pp. $25.00 each.

EDUCATION PAMPHLETS

Short pamphlets suitable for classroom use. Multiple copies are
available without charge.

Consumer Handbook on Adjustable Rate Mortgages
Consumer Handbook to Credit Protection Laws
A Guide to Business Credit for Women, Minorities, and Small
  Businesses
Series on the Structure of the Federal Reserve System
  The Board of Governors of the Federal Reserve System
  The Federal Open Market Committee
  Federal Reserve Bank Board of Directors
  Federal Reserve Banks
A Consumer's Guide to Mortgage Lock-Ins
A Consumer's Guide to Mortgage Settlement Costs
A Consumer's Guide to Mortgage Refinancings
Home Mortgages: Understanding the Process and Your Right
  to Fair Lending
How to File a Consumer Complaint about a Bank (also available
  in Spanish)
In Plain English: Making Sense of the Federal Reserve
Making Sense of Savings
Welcome to the Federal Reserve
When Your Home is on the Line: What You Should Know
  About Home Equity Lines of Credit
Keys to Vehicle Leasing (also available in Spanish)
Looking for the Best Mortgage (also available in Spanish)
Privacy Choices for Your Personal Financial Information
When Is Your Check Not a Check?

STAFF STUDIES: Only Summaries Printed in the BULLETIN

Studies and papers on economic and financial subjects that are of general interest. Staff Studies 1-158, 161, 163, 165, 166, 168, and 169 are out of print, but photocopies of them are available. Staff Studies 165-174 are available on line at www.federalreserve.gov/ pubs/staffstudies. Requests to obtain single copies of any paper or to be added to the mailing list for the series may be sent to Publications.

159. NEW DATA ON THE PERFORMANCE OF NONBANK SUBSIDIARIES OF BANK HOLDING COMPANIES, by Nellie Liang and Donald Savage. February 1990. 12 pp.

160. BANKING MARKETS AND THE USE OF FINANCIAL SERVICES BY SMALL AND MEDIUM-SIZED BUSINESSES, by Gregory E. Elliehausen and John D. Wolken. September 1990. 35 pp.

162. EVIDENCE ON THE SIZE OF BANKING MARKETS FROM MORTGAGE LOAN RATES IN TWENTY CITIES, by Stephen A. Rhoades. February 1992. 11 pp.

164. THE 1989-92 CREDIT CRUNCH FOR REAL ESTATE, by James T. Fergus and John L. Goodman, Jr. July 1993. 20 pp.

167. A SUMMARY OF MERGER PERFORMANCE STUDIES IN BANKING, 1980-93, AND AN ASSESSMENT OF THE "OPERATING PERFORMANCE" AND "EVENT STUDY" METHODOLOGIES, by Stephen A. Rhoades. July 1994. 37 pp.

170. THE COST OF IMPLEMENTING CONSUMER FINANCIAL REGULATIONS: AN ANALYSIS OF EXPERIENCE WITH THE TRUTH IN SAVINGS ACT, by Gregory Elliehausen and Barbara R. Lowrey. December 1997. 17 pp.

171. THE COST OF BANK REGULATION: A REVIEW OF THE EVIDENCE, by Gregory Elliehausen. April 1998. 35 pp.

172. USING SUBORDINATED DEBT AS AN INSTRUMENT OF MARKET DISCIPLINE, by Study Group on Subordinated Notes and Debentures, Federal Reserve System. December 1999. 69 pp.

173. IMPROVING PUBLIC DISCLOSURE IN BANKING, by Study Group on Disclosure, Federal Reserve System. March 2000. 35 pp.

174. BANK MERGERS AND BANKING STRUCTURE IN THE UNITED STATES, 1980-98, by Stephen Rhoades. August 2000. 33 pp.

175. THE FUTURE OF RETAIL ELECTRONIC PAYMENTS SYSTEMS: INDUSTRY INTERVIEWS AND ANALYSIS, Federal Reserve Staff, for the Payments System Development Committee, Federal Reserve System. December 2002. 27 pp.