In a white paper, the non-profit organization Digital Dollar Project concluded that a central bank digital currency, "rather than displacing the service offerings of established financial institutions providing cross-border remittance services . . . present[s] an opportunity to modernize operational processes and expand financial access."
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The Congressional Research Service identified risks arising from the use of machine learning in the underwriting of consumer loans.
Congressional Research Service reviewed the various benefits and risks of FinTech products and services on consumer accounts, electronic payment and lending.
The GAO evaluated the efficiency of the OCC's oversight of fair lending practices among OCC-supervised banks.
The Congressional Research Service provided an overview of "selected banking-related issues that may attract congressional interest in the 117th Congress."