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	<title>Counting On Currency &#187; Policy</title>
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	<description>a resource for cash supply chain management professionals</description>
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		<title>Valuable Change for US Notes</title>
		<link>http://countingoncurrency.com/wp/2010/07/13/valuable-change-for-us-notes/</link>
		<comments>http://countingoncurrency.com/wp/2010/07/13/valuable-change-for-us-notes/#comments</comments>
		<pubDate>Tue, 13 Jul 2010 07:00:14 +0000</pubDate>
		<dc:creator>Brendan Burge</dc:creator>
				<category><![CDATA[Current]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Policy]]></category>
		<category><![CDATA[cash]]></category>
		<category><![CDATA[cash in circulation]]></category>
		<category><![CDATA[consumer protection]]></category>
		<category><![CDATA[currency]]></category>
		<category><![CDATA[Federal Reserve]]></category>
		<category><![CDATA[Press Release]]></category>

		<guid isPermaLink="false">http://countingoncurrency.com/wp/?p=3061</guid>
		<description><![CDATA[The Federal Register has published for public comment changes to United States Federal Reserve Notes to make them accessible to the blind and the visually impaired, knowing that the alterations will financially affect some ATM owners and operators.

"The purpose of this Federal Register notice is to inform the public of the features the Bureau of Engraving and Printing intends to propose to the Secretary of the Treasury to accommodate people who are blind and visually impaired and to solicit public comment on the proposed accommodation," the Federal Register wrote in the proposal titled, "Meaningful Access To United States Currency for Blind and Visually Impaired Persons."]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Counterfeit Deterrence &#8211; Beating the Criminal Element</title>
		<link>http://countingoncurrency.com/wp/2010/07/06/counterfeit-deterrence-beating-the-criminal-element/</link>
		<comments>http://countingoncurrency.com/wp/2010/07/06/counterfeit-deterrence-beating-the-criminal-element/#comments</comments>
		<pubDate>Tue, 06 Jul 2010 07:00:48 +0000</pubDate>
		<dc:creator>Astrid Mitchell</dc:creator>
				<category><![CDATA[Current]]></category>
		<category><![CDATA[Policy]]></category>
		<category><![CDATA[cash in circulation]]></category>
		<category><![CDATA[Central Bank]]></category>
		<category><![CDATA[counterfeit]]></category>
		<category><![CDATA[currency]]></category>
		<category><![CDATA[technology]]></category>
		<category><![CDATA[trust]]></category>

		<guid isPermaLink="false">http://countingoncurrency.com/wp/?p=3042</guid>
		<description><![CDATA[Call it human nature, but ever since the invention of paper money, people have tried to imitate and counterfeit it. The result has been an unending race between issuing authorities and perpetrators. This article, which is based on my contributions to the Banknote 2009 and 2010 Currency conferences, is a review of how authorities have historically tried to deter counterfeiting and how they have responded to new threats. From this perspective, I will then explain the role of the Central Bank Counterfeit Deterrence Group (CBCDG) and its activities, concluding with a short assessment of recent developments in counterfeit production techniques and how to address future threats.]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>US Government to Audit the FRB</title>
		<link>http://countingoncurrency.com/wp/2010/05/12/us-government-to-audit-the-frb/</link>
		<comments>http://countingoncurrency.com/wp/2010/05/12/us-government-to-audit-the-frb/#comments</comments>
		<pubDate>Wed, 12 May 2010 07:00:36 +0000</pubDate>
		<dc:creator>Brendan Burge</dc:creator>
				<category><![CDATA[Current]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Of Interest]]></category>
		<category><![CDATA[Policy]]></category>
		<category><![CDATA[cash]]></category>
		<category><![CDATA[cashless]]></category>
		<category><![CDATA[confidence]]></category>
		<category><![CDATA[consumer protection]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[Federal Reserve]]></category>
		<category><![CDATA[legislation]]></category>
		<category><![CDATA[Regulation]]></category>
		<category><![CDATA[trust]]></category>

		<guid isPermaLink="false">http://countingoncurrency.com/wp/?p=2821</guid>
		<description><![CDATA[It was announced yesterday afternoon that the US Senate approved (96-0) a one-time audit of the Federal Reserve System. Specifically the audit will investigate the Federal Reserve's economic crisis response programs. We suspect that this will also likely include a review of cash reserves and inventory distributions. ]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Parting Thought on the FDIC Study….and 2009</title>
		<link>http://countingoncurrency.com/wp/2009/12/21/parting-thought-on-the-fdic-study%e2%80%a6-and-2009/</link>
		<comments>http://countingoncurrency.com/wp/2009/12/21/parting-thought-on-the-fdic-study%e2%80%a6-and-2009/#comments</comments>
		<pubDate>Mon, 21 Dec 2009 13:30:08 +0000</pubDate>
		<dc:creator>Nicole Sturgill</dc:creator>
				<category><![CDATA[Current]]></category>
		<category><![CDATA[Editorial]]></category>
		<category><![CDATA[Of Interest]]></category>
		<category><![CDATA[Policy]]></category>
		<category><![CDATA[FDIC]]></category>
		<category><![CDATA[fees]]></category>
		<category><![CDATA[overdraft fees]]></category>
		<category><![CDATA[unbanked]]></category>
		<category><![CDATA[underbanked]]></category>

		<guid isPermaLink="false">http://countingoncurrency.com/wp/?p=1973</guid>
		<description><![CDATA[So you’ve heard me rail on about the unbanked and underbanked for the last couple of weeks and I’m not quite ready to let it go.  In addition to outlining the results of the FDIC study, I’d also like to give one final thought on what we as banks do about it.]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Overdraft Fees or ATM Fees &#8211; which would you prefer?</title>
		<link>http://countingoncurrency.com/wp/2009/11/30/overdraft-fees-or-atm-fees-which-would-you-prefer/</link>
		<comments>http://countingoncurrency.com/wp/2009/11/30/overdraft-fees-or-atm-fees-which-would-you-prefer/#comments</comments>
		<pubDate>Mon, 30 Nov 2009 13:30:30 +0000</pubDate>
		<dc:creator>Brendan Burge</dc:creator>
				<category><![CDATA[Current]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Policy]]></category>
		<category><![CDATA[bank fees]]></category>
		<category><![CDATA[consumer protection]]></category>
		<category><![CDATA[Regulation]]></category>
		<category><![CDATA[revenue]]></category>

		<guid isPermaLink="false">http://countingoncurrency.com/wp/?p=1841</guid>
		<description><![CDATA[Following from Nicole's post about the choices US banks are facing in their replacement of overdraft fees comes news from UK banks regarding their choice pending final court rulings on overdraft fees there. With traditional straight back and stiff upper lip, the UK banking industry is prepared to answer the demise of overdraft fees with a reinstatement of ATM fees. Said one UK banking spokesperson, "We are an industry, not a charity. People have to remember that it does not cost nothing.".]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New Overdraft Regs Are Coming &#8212; So What Do We Do About It?</title>
		<link>http://countingoncurrency.com/wp/2009/11/23/new-overdraft-regs-are-coming-so-what-do-we-do-about-it/</link>
		<comments>http://countingoncurrency.com/wp/2009/11/23/new-overdraft-regs-are-coming-so-what-do-we-do-about-it/#comments</comments>
		<pubDate>Mon, 23 Nov 2009 13:30:53 +0000</pubDate>
		<dc:creator>Nicole Sturgill</dc:creator>
				<category><![CDATA[Current]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Policy]]></category>
		<category><![CDATA[Federal Reserve]]></category>
		<category><![CDATA[legislation]]></category>
		<category><![CDATA[overdraft fees]]></category>
		<category><![CDATA[revenue]]></category>

		<guid isPermaLink="false">http://countingoncurrency.com/wp/?p=1809</guid>
		<description><![CDATA[Brendan gave a great outline of the new overdraft fee regulations coming into effect in the US in 2010.  Given, these are the new Fed rules and we haven’t yet heard what the damage will be from legislation pending in Congress, but at least we have something to work toward now.  But what does that mean?  In my estimation, banks have four options for how to address the new legislation.]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Overdraft Reform &#8211; who wins and who loses?</title>
		<link>http://countingoncurrency.com/wp/2009/11/18/overdraft-reform-who-wins-and-who-loses/</link>
		<comments>http://countingoncurrency.com/wp/2009/11/18/overdraft-reform-who-wins-and-who-loses/#comments</comments>
		<pubDate>Wed, 18 Nov 2009 13:00:51 +0000</pubDate>
		<dc:creator>Brendan Burge</dc:creator>
				<category><![CDATA[Current]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Policy]]></category>
		<category><![CDATA[bank fees]]></category>
		<category><![CDATA[confidence]]></category>
		<category><![CDATA[consumer protection]]></category>
		<category><![CDATA[Regulation]]></category>

		<guid isPermaLink="false">http://countingoncurrency.com/wp/?p=1739</guid>
		<description><![CDATA[The news hit the wire late last week and now it is official. For those of you who don't live in the US, a little background before we start. There has been great discussion and debate at the Federal Reserve Bank about changing some of the service fee allowances that financial institutions are allowed to levy their customers. Like other countries (Australia for one, regarding ATM interchange fees) the United States banking regulators have seen the need to start regulating how customers are charged for some of their banking services.]]></description>
		<wfw:commentRss>http://countingoncurrency.com/wp/2009/11/18/overdraft-reform-who-wins-and-who-loses/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>defining and regulating systemically important institutions</title>
		<link>http://countingoncurrency.com/wp/2009/08/12/defining-and-regulating-systemically-important-institutions/</link>
		<comments>http://countingoncurrency.com/wp/2009/08/12/defining-and-regulating-systemically-important-institutions/#comments</comments>
		<pubDate>Wed, 12 Aug 2009 12:00:45 +0000</pubDate>
		<dc:creator>Brendan Burge</dc:creator>
				<category><![CDATA[Current]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Of Interest]]></category>
		<category><![CDATA[Policy]]></category>
		<category><![CDATA[confidence]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[paradigm shift]]></category>
		<category><![CDATA[trust]]></category>

		<guid isPermaLink="false">http://countingoncurrency.com/wp/?p=1121</guid>
		<description><![CDATA[As readers will know I have noted with interest the gestation of proposed financial institution regulatory and policy changes. First was the question of Who would be made responsible; would it be just one government department?; more than one?; would non-government bodies be involved? After that question was settled we moved on to What were they going to do, to Whom and How? These are the threatening three questions that (in my humble opinion) still cause affected professionals to lose much sleep.]]></description>
		<wfw:commentRss>http://countingoncurrency.com/wp/2009/08/12/defining-and-regulating-systemically-important-institutions/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>the new single regulator for banks</title>
		<link>http://countingoncurrency.com/wp/2009/06/17/the-new-single-regulator-for-banks/</link>
		<comments>http://countingoncurrency.com/wp/2009/06/17/the-new-single-regulator-for-banks/#comments</comments>
		<pubDate>Wed, 17 Jun 2009 14:00:30 +0000</pubDate>
		<dc:creator>Brendan Burge</dc:creator>
				<category><![CDATA[Current]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Policy]]></category>
		<category><![CDATA[confidence]]></category>
		<category><![CDATA[currency]]></category>
		<category><![CDATA[Economy]]></category>

		<guid isPermaLink="false">http://countingoncurrency.com/wp/?p=681</guid>
		<description><![CDATA[Don't hold your breath just yet, but I think the US Administration may be getting ready to announce the new primary regulator for the banking industry - the Federal Reserve! There are also a few more moves being telegraphed ahead of tomorrow's announcement.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>banking on tomorrow in the US &#8211; sole-source policy control</title>
		<link>http://countingoncurrency.com/wp/2009/06/02/banking-on-tomorrow-in-the-us-sole-source-policy-control/</link>
		<comments>http://countingoncurrency.com/wp/2009/06/02/banking-on-tomorrow-in-the-us-sole-source-policy-control/#comments</comments>
		<pubDate>Tue, 02 Jun 2009 12:30:51 +0000</pubDate>
		<dc:creator>Brendan Burge</dc:creator>
				<category><![CDATA[Current]]></category>
		<category><![CDATA[Editorial]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Policy]]></category>
		<category><![CDATA[confidence]]></category>
		<category><![CDATA[currency]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[trust]]></category>

		<guid isPermaLink="false">http://countingoncurrency.com/wp/?p=540</guid>
		<description><![CDATA[According to a number of stories in recent media (new an traditional) the US Treasury with support from other concerned interests is about to propose what could amount to paradigm shift for the banking industry. According to reports, Treasury Secretary Timothy Geithner and others will be sponsoring a proposal to Congress for the creation of a new government agency whose responsibility will be as the ultimate and only banking sector regulator.]]></description>
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		<slash:comments>3</slash:comments>
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