The 威尼斯人网址 provides this website as a convenience to its customers and the general public. 通过使用本网站或信息, 材料, 或其他可在上面或通过它获得的内容, you agree that such 使用 is governed by the following terms, 包括我们的隐私政策. We reserve the right to change these terms without 不ice.


我们会监察进入本网站的情况,并为统计及保安目的收集有关进入该网站的某些资料. Use of this website constitutes consent to such monitoring. If our monitoring reveals possible evidence of criminal activity, we may provide such evidence to law enforcement officials.


The content provided on this website may be 使用d for informational, 教育, 只用于研究目的.

Some of the content on this website may be copyrighted. Permission to 使用 such copyrighted material must be obtained from the owner and can不 be obtained from us.

We do 不 permit the 使用 of our name in any advertising, 作为任何产品或服务的背书, 或用于其他商业目的.

Unauthorized attempts to upload or change any of the content on this website, 通过或规避其安全措施, or to 使用 this website other than for its intended purposes are prohibited.


我们可能 provide links to external websites as an additional resource for 使用rs. 其他网站也可以链接到这个. All such external websites are 不 on servers that we 维护, nor are they under our control. External websites may contain content that is protected under copyright or other laws with restrictions on its 使用. 我们不保证, 明示或默示, 关于, nor do we assume any liability or responsibility for, any content that is available on or through any other website. 无论是我们包含一个链接到外部网站,或其他网站包含一个链接到本网站意味着我们的赞助, 背书, 建议, 或该等其他网站的批准, 管理它的实体或组织, 有什么看法吗, or any products or services offered on or through it.


We take reasonable measures to ensure the reliability and quality of the information, 材料, and other content that we produce or make available on or through this website. 我们可能, 未经通知,并不时, revise the content available on this website; however, 我们不承诺这样做. We assume no liability or responsibility for the accuracy, 正确性, 完整性, or timeliness of any content available on or through this website, nor do we represent that the 使用 of such content will 不 infringe privately held rights. All content available on or through this website is provided on an “as is,” “as available” basis. We are 不 responsible for misprints, errors, omissions, or denial of service or access. 通过使用本网站, you assume the risk that its content may be inaccurate, 不正确的, 不完整的, 过时的, 不能满足你的目的, 或侵权.

We assume no liability or responsibility for any loss, 受伤, or damage of any kind resulting in any manner from the content of this website, 包括任何电脑病毒, 恶意代码, 或系统故障.

The views expressed in 威尼斯人网址 出版物 and working papers are those of the authors. They do 不 necessarily represent the position of the 威尼斯人网址 or the Federal Reserve System. Any conclusions that you draw from the content available on or through this website, regardless of whether you received any assistance from us or our employees, are your own and are 不 to be attributed to the 威尼斯人网址.


We are committed to making every page on this website accessible to the widest possible audience, including people with visual disabilities using screen-reading software.


Logos created by the 威尼斯人网址 are our property and may 不 be 使用d without permission. Fed邮件®, FedLine®, and Fedwire® are registered trademarks of the Federal Reserve Banks. Other product and company names mentioned on this site may be the trademarks of their respective owners.


本网站由威尼斯人网址在其设在美利坚合众国的办事处控制和操作. 通过访问本网站, you agree that these terms will be construed and applied in accordance with United States law. 如果您在国外使用此网站, you are responsible for compliance with any and all applicable local laws.

The following privacy policy governs this website and its 使用.


除本政策另有规定外, you may visit this website without providing any 个人信息. However, you may choose to provide us with 个人信息 if, e.g., 你订阅了我们的刊物, 请通过电子邮件向我们提出问题, 回答用户调查, 注册一个活动, 申请工作, 或者参加我们的在线活动. Any 个人信息 you provide voluntarily through this website may be 使用d to help us better tailor our website, 出版物, 并服务于用户的需求.

This website makes limited 使用 of permanent cookies. We 使用 permanent cookies to track 使用r traffic patterns or in connection with 使用r research (such as to administer a 使用r survey in which no one is invited to participate more than once); this will better enable us to provide you with easy-to-使用, 高质量的内容. This kind of cookie does 不 record any other information about you, nor can it be 使用d to gather or correlate information about your activities elsewhere on the World-Wide Web. You can disable your browser’s permanent cookies if you wish to prohibit the placing of the cookie.

临时内存驻留cookie或临时会话cookie用于在浏览器会话期间维护用户的导航状态,并在会话结束时从内存中过期. 我们可能 from time to time 使用 transient memory-resident cookies. 除了, sometimes a third-party vendor will 使用 cookies on one of the websites it operates, 主机, or manages for us in order to administer an online registration process for a conference or workshop. Since a third-party vendor’s website is 不 operated by us, this privacy policy does 不 apply to the collection of 个人信息 or any other information by that website.

This website collects and aggregates statistical information about 使用rs by performing analyses on the web server’s log files. We 使用 this statistical information to determine, among other things:

  • 我们网站最受欢迎的页面;
  • The browsers and operating systems most often 使用d by visitors;
  • The websites and search engines that have referred visitors to our website; and
  • 用户访问我们的域名.

Such analyses do 不 involve 个人信息. We do 不 correlate this data with 个人信息 about you. 这些统计信息, 聚合形式, 而且不能指认你, may be shared with other Federal Reserve Banks or the Board of Governors of the Federal Reserve.


一般, 通过本网站收集的任何信息, 无论是个人的还是集体的, 仅供联邦储备系统使用. 我们不租, 出售, 或与他人或非关联公司共享您的个人信息,除非我们得到您的许可或在以下情况下:

  • When we retain the services of other Federal Reserve Banks, 外代理, or third parties under contract with the 威尼斯人网址. 此个人资料只提供给, 并且只被, those parties in conjunction with the services they provide to us.
  • 当我们被要求向政府官员披露您的个人信息或按传票的要求披露您的个人信息时, 法庭命令, 法律程序, or other legal obligations and to establish or exercise our legal rights or defend against claims. We will share and/or 使用 information to investigate, 防止, or take action against illegal activities or suspected fraud.

如果你参与了用户调查, your answers and 个人信息 will be analyzed only in the aggregate. The survey may ask whether you are interested in participating in an on-site web usability test in the future. If interested, we will ask for your contact information.

If you provide us with your postal or e-mail address, 或电话或传真号码, this information will be 使用d only for the purpose for which you provided it, 如:

  • Provide you with the 出版物 or information you requested;
  • Register you for a tour, conference, or other event;
  • 澄清你的要求或登记;
  • Correspond with you 关于 your job application; or
  • 为您提供相关信息.

当你填写我们的在线表格时, the information will be delivered to a Federal Reserve Bank e-mail address or database. 您的在线通信没有加密. We can不 guarantee the security of any information sent electronically, 无论是通过在线表格还是电子邮件提交.

If you submit credit card information to 注册一个活动 online, 该信息被转发给经过威瑞信验证的商家,该商家承诺为客户提供最高级别的交易处理安全.

如果你在网上注册了一个活动, we may hold on to your registration information for the purpose of contacting you in the future about similar events. If you do 不 want us to keep your registration information, you must tell us so.


The safeguarding of 个人信息 is important to us. While we endeavor to 维护 the security of 个人信息 in our possession, 我们不能保证这样的安全. 我们不负责个人信息或您提供的任何其他信息在传输到我们的网站时的安全, 通过电子邮件, 或以其他方式. Nor are we responsible for what a third party does with any information provided by you.

If you have voluntarily submitted 个人信息 to us and wish to review, 更新, 正确的, 或删除它, 请将你的要求电邮至: privacy@phil.美联储.org. Please provide the name of the publication to which you subscribe and whether it is a print or electronic publication.

Children's Online Privacy Protection Act (COPPA)

This website is 不 directed to children under the age of 13, 我们也不是故意收集, 维护, or 使用 个人信息 obtained through this website about children under the age of 13. If a child whom we know to be under the age of 13 sends 个人信息 to us online, we will only 使用 that information to respond directly to the child, 通知家长, 或者征求父母同意.


We reserve the right to change this privacy policy at any time without 不ice. If any change to this policy affects the way we 使用 个人信息, we will provide an avenue for you to opt out of such 使用. Otherwise, we will 不 provide you with 不ice of changes to this policy. You are responsible for reviewing this privacy policy from time to time for any such changes.

This privacy policy was last 更新d August 26, 2008


Questions or 评论 about this privacy policy, may be directed to our privacy team at privacy@phil.美联储.org.



This data privacy 不ice provides a high-level overview of Federal Reserve Bank (Reserve Bank) activities that rely, or partially rely on collection and 使用 of 个人信息. We seek to provide transparency into relevant Reserve Bank functions, 涉及的个人信息, 以及这类信息的一般用途.

While this 不ice covers general categories of activities and functions conducted across and within multiple Reserve Banks, each Reserve Bank is a separate legal entity responsible for its own privacy practices. As some of the functions that the Reserve Banks perform have been operationally consolidated into one or more Reserve Banks, 各储备银行将发布类似版本的本通知,无论该职能是否主要在某一特定的储备银行执行. 各储备银行还可以发布单独的隐私通知,提供有关该储备银行数据隐私做法的更具体信息.

当我们使用这个术语时 个人信息 在此通知, we mean 个人信息 handled or retained by a Reserve Bank that is linked or linkable to an individual. 本通知适用于从个人信息所涉及的个人以外的来源获得个人信息的情况. 它还涵盖个人为储备银行安全或执法目的提供个人信息的情况.

这个通知是 旨在涵盖以下情况

  1. that are generally covered by more specific 不ices posted at the point of collection, such as collecting 个人信息 directly from members of the public on the web (e.g.比如订阅时事通讯);
  2. where 储备银行收取 or 使用 个人信息 for routine internal functions, 例如管理员工, 管理福利计划, and performing audits and accounting; or
  3. that involve operation of Reserve Bank websites (e.g.饼干的政策).

Reserve Bank Functions That Use Personal Information

本通知描述了储备银行在上述范围内涉及个人信息的六项核心职能. Regardless of functional area, the Reserve Banks DO NOT 出售 个人信息. The Reserve Banks DO share 个人信息 if required by law, or if such 分享 is necessary to accomplish the listed functions and activities. 这包括储备银行之间的信息共享,以及储备银行供应商(如果这些供应商需要这些信息向储备银行提供服务)之间的信息共享。.

1. 监督 & 监管

联邦储备系统理事会(Board)是一个联邦机构,负责监督和监管某些类型的金融机构(定义见下文第3节),包括银行控股公司, state-chartered banks that are members of the Federal Reserve System, 储蓄和贷款控股公司, 在美国经营的外国银行, 和其他实体. The Board has delegated certain supervision and regulation functions, including the examination of supervised entities and the processing of certain banking applications and 不ices, 储备银行作为董事会的代理人.

在执行这些委派的职能时, the Reserve Banks receive 个人信息 from financial institutions. For example, Reserve Banks review consumer loan data as part of an examination of a bank. Reserve Banks may also receive 个人信息 from supervised institutions about their shareholders, 董事, and executive officers in connection with applications submitted by institutions for approval. The Reserve Banks protect this 个人信息 in accordance with the Board's data privacy policies. For more information about what 个人信息 may be involved in supervisory activities, 请参见 联邦储备委员会隐私计划网站.

2. Fiscal Agent Services to the United States Department of the Treasury (Treasury)

储备银行扮演着美国财政代理人的角色.S. Treasury to support its goals related to collecting, 支付, 借款, 投资, 以及政府资金的核算.

在这种能力, 储备银行收取, 使用, and share 个人信息 for the exclusive purpose of providing such fiscal services. 在执行这些职能时, the Reserve Banks follow the Treasury's Data Privacy Policy and other requirements. 看到 U.S. 财政部隐私政策 and the list of privacy impact assessments published by the Treasury: http:/

3. 金融服务

The Reserve Banks provide financial services to depository institutions such as banks, 信用合作社, 和储蓄和贷款协会(一起, “金融机构.)” These services include acting as an intermediary between financial institutions for clearing checks, as well as settling Automated Clearing Ho使用 (ACH) payments and electronically transferring funds.

The receipt and 分享 of 个人信息 are necessary aspects of the Reserve Banks' provision of financial services. 作为金融中介机构, Reserve Banks come into possession of 个人信息 such as names, 地址, 和帐号 when they process payment transactions submitted by financial institutions. 在某些情况下, a check or payment instruction might also include a social security number or other, 更敏感的个人资料. 作为金融中介机构, 储备银行从金融机构接收此类个人信息,而不直接从个人收集. The Reserve Banks do 不 control the type or accuracy of 个人信息 submitted by financial institutions. 储备银行将支付交易信息直接或通过该金融机构的指定代理/供应商传递给支付链中的下一个金融机构. Such information may also be 使用d in connection with compliance activities, 威尼斯人网址研究, and for other operational purposes related to payments processing. For more information about these financial services, see 联邦储备银行金融服务.

4. 贷款

The Reserve Banks extend certain types of credit to financial institutions. 这包括允许账户的短期透支(称为日间透支)以及其他借贷程序(称为贴现窗口预支).

Discount Window advances must be secured by collateral. The collateral pledged to a Reserve Bank may include consumer loans (e.g.、按揭贷款或汽车贷款). While the loans generally remain in the custody of the financial institution 借款 from the Reserve Bank, the Reserve Banks require information about each of the loans pledged as collateral. The consumer-loan-level information obtained for collateral purposes include name, 贷款数量, 贷款金额, 和平衡. If actual loan documentation is obtained for sampling or safekeeping purposes, it will include all the information contained therein, 其中可能还包括社会安全号码, 出生日期, 和帐号. Personal information obtained for the lending functions is 使用d only to support and facilitate these lending activities, and is shared only to the extent necessary to support these activities. Loan information may also be shared with other financial institutions, such as corporate 信用合作社 and home loan banks, that similarly provide liquidity to depository institutions, 防止双重抵押. 请参阅 www.美联储 有关这些活动的更多信息.

5. 研究 & 货币政策

研究和货币政策职能负责在领先的学术期刊上发表独立的威尼斯人网址研究,并提供政策分析,以支持美联储的货币政策使命和促进美国威尼斯人网址有效运行的一般责任.S. economy and, more generally, the public interest.  储备银行其他部门, such as 监督 and 监管 and 社区发展, 可进行研究以履行职责,并可与研究及货币政策职能合作. 整体, 美联储的研究涵盖了广泛的主题,为公众和其他利益相关者提供了各种形式的产出.

研究 and policy analysis can be data-intensive activities that involve analyzing detailed information. While some of this data include 个人信息, 它通常是匿名的, or de-identified with strict prohibitions against re-identification. Some of this information is acquired from third-party data providers. The Reserve Banks may also acquire information using surveys they design alone or in partnership with other organizations. The safeguarding and responsible 使用 of information for research is of the utmost importance to the Reserve Banks. 储备银行收集或获得的个人身份信息受到严格的信息安全控制(基于NIST框架)和其他控制,包括访问限制, 使用, 分享, 存储, 以及信息的处理.

6. 执法

Each Reserve Bank has its own Federal Reserve law enforcement unit responsible for protecting its operations, 设施, 和实物资产.

In order to protect the people and assets of the Reserve Banks, 执法 collects some 个人信息 from people who visit the Reserve Banks. Such visitors may be required to provide identifying information before being allowed access to Reserve Bank 设施. This information may include name and information on a government-issued ID. Some Reserve Banks also collect 个人信息 to conduct background checks of vendors, 承包商, and employees for the purpose of verifying identity and managing risk.  背景调查, 公共记录搜索, 和其他信息收集的目的也可能是评估对联邦储备系统的潜在威胁. These processes are conducted in accordance with applicable law, 还可能涉及与参与筛查的供应商和/或负责筛查的政府机构共享个人信息.


如果你有任何问题, 评论, or concerns about this 不ice or the Reserve Banks' general privacy practices, 请使用 这种形式 提交他们. We only 使用 the 个人信息 you provide to respond to your question, comment, or concern.

与董事会委派和财政代理职能有关的问题或意见应提交理事会和美国财政部.S. 财政部分别.



与董事会委派和财政代理职能有关的问题或意见应提交理事会和美国财政部.S. 财政部分别.