Responsible for enforcing the Truth in Lending Act, the Community Reinvestment Act, and the Home Mortgage Disclosure Act as well as other laws that protect consumers in their dealings with state-chartered banks that are members of the Federal Reserve System. The bank works to maintain a stable monetary system, to promote an efficient and competitive banking system, and to protect consumer rights related to banking relationships and transactions. Provides economic research on the region and community education activities about money and its role in individual and business life in the United States.