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About Us
We’re one of 12 regional Federal Reserve Banks working together with the Board of Governors to support a healthy economy. Our job is to serve the American public — to serve you. And our mission is to foster economic stability and strength.

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We help ensure our financial system is operating safely and effectively, and we help support secure and efficient methods to transfer your funds through our financial system.
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We conduct research to support policymaking and thought leadership on issues important to the Federal Reserve and the Fifth District. We also inform the public through our data and economic analysis, publications, presentations and educational resources.

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We share research, data and resources and regularly engage regional leaders and policymakers to understand and address community‑specific economic issues.
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We work with teachers, students and the public to enhance understanding of economics, personal finance and the Federal Reserve.

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Economic Review

May/Jun, 1989

Market Responses to Pricing Fedwire Daylight Overdrafts

The Federal Reserve is considering pricing daylight overdrafts on Fedwire. The market could respond in four ways. Estimates of the effect of each on reducing overdrafts leads to the conclusion that funds transfer overdrafts could virtually be eliminated.

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Lisa Davis (804) 697-8179

Economic Review

May/Jun, 1989

Market Responses to Pricing Fedwire Daylight Overdrafts

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