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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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Banking & Supervision
We work to support a safe and sound financial system and foster an efficient and accessible payments system.
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Economic Research
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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Our Team

Place Holder

David B. Humphrey

David Humphrey was a vice president and payments system advisor in the Research Department at the Federal Reserve Bank of Richmond from 1986 to 1991.

Working Papers

February 1991, No. 91-3

Scope Economies: Fixed Costs, Complementarity, and Functional Form

Lawrence B. Pulley and David B. Humphrey

June 1990, No. 90-5

Costs and Technical Change: Effects from Bank Deregulation

David B. Humphrey
Bank Publications

Economic Quarterly, Spring 1996

The Economics of Electronic Benefit Transfer Payments

David B. Humphrey

Economic Quarterly, Spring 1994

Delivering Deposit Services: ATMs Versus Branches

David B. Humphrey

Economic Review, Mar/Apr, 1991

Productivity in Banking and Effects from Deregulation

David B. Humphrey

Economic Review, Sep/Oct, 1990

Why do Estimates of Bank Scale Economies Differ?

David B. Humphrey

Economic Review, May/Jun, 1989

Market Responses to Pricing Fedwire Daylight Overdrafts

David B. Humphrey

Economic Review, May/Jun, 1987

Cost Dispersion and the Measurement of Economies in Banking

David B. Humphrey

Economic Review, Jan/Feb, 1987

Intraday Credit: Risk, Value, and Pricing

David B. Humphrey, David L. Mengle and Bruce J. Summers

Contact Us

Research Department