Federal Reserve Bank of Philadelphia

09/24/2026

In her opening remarks at the 10th Annual Fintech Conference, Philadelphia Fed President and CEO Anna Paulson shared her thoughts on the current economic landscape, fintech innovation, and monetary policy. https://bit.ly/47hYnFU

President and CEO Anna Paulson welcomes participants to the 10th Annual Fintech Conference at the Federal Reserve Bank of Philadelphia.

09/23/2026

Join us on October 8 for the Philadelphia Fed’s 15th Annual Financial Institutions and Law Enforcement Cybersecurity Conference, a full-day virtual event bringing together experts from across the Federal Reserve System, government agencies, and the financial sector.

This event will explore emerging fraud trends, evolving cyber risks, and practical strategies to strengthen institutional resilience. Topics will include:

• government and regulatory perspectives on fraud,
• AI’s evolving role in cyberattacks and defense,
• senior fraud developments and resources,
• emerging fraud challenges and strategies, and
• payment fraud trends and tools.

Participation is free, but registration is required. Secure your spot today. https://bit.ly/4dselAJ

09/22/2026

Artificial intelligence (AI) is reshaping how businesses operate nationwide — but small businesses in Delaware, New Jersey, and Pennsylvania are slower to adopt the technology.

Here’s what we found in our latest research brief, based on responses to the Federal Reserve’s 2025 Small Business Credit Survey:

• AI adoption is slower among small businesses in our region. Only 37 percent of small businesses in the Third District states report using AI, compared with 46 percent nationwide. Most adopters say they’re still experimenting rather than fully integrating these tools.

• Most firms in the region use AI for writing or marketing, individual productivity, and planning or analysis, while more advanced applications like coding or process automation are less common.

• Over 70 percent of AI adopters reported no change across key business performance metrics, including labor costs, sales, and production quality, although 71 percent reported boosts in productivity.

• Compared with firms nationwide, more Third District firms report that AI isn't important to their core work. This is likely because our regional sample includes a higher share of manufacturing firms, where AI may have fewer immediate use cases.

Read more. https://bit.ly/4rq9hCF

If you operate a small business in Delaware, New Jersey, or Pennsylvania, take the 2026 Small Business Credit Survey to help shape future research and ensure policymakers understand the challenges and opportunities you’re facing. https://bit.ly/46zFTAD

09/22/2026

Day 1 of the 10th Annual Fintech Conference will conclude with a forward-looking conversation on responsible AI adoption in financial services.

Julapa Jagtiani of the Philadelphia Fed will moderate a discussion with a panel of experts:

• Ethan Chan, Allium
• Andrei Kirilenko, University of Cambridge
• Felipe Millon, OpenAI
• Fernando Perez-Cruz, Bank for International Settlements

View the full agenda and register to attend virtually. https://bit.ly/4cQydx4

09/17/2026

Manufacturing activity in the region expanded overall, according to the firms responding to the September Manufacturing Business Outlook Survey. The diffusion index for current general activity fell from 47.4 in August to 37.8 in September. The survey’s indicators for new orders and shipments remained elevated this month. The employment index fell but remained positive, continuing to suggest overall increases in employment. Both price indicators moved higher this month after declining last month. The firms continued to expect overall growth over the next six months. https://bit.ly/3UZjREL

09/16/2026

The 2026 Small Business Credit Survey is now open!

All 12 Federal Reserve Banks, including ours, have begun collecting responses to this year's Small Business Credit Survey. The annual 10–12-minute survey is open to for-profit businesses currently in operation, those recently closed, and those about to be established.

Your business experience matters. By taking the survey, business leaders and owners contribute to data that directly inform the Fed, federal government agencies, service providers, policymakers, and others — a common good ultimately benefiting their businesses and others in the community.

Take the survey or share this opportunity with a business owner you know today. Simply tag them below! https://bit.ly/4xe4dCM

09/15/2026

Registration closes soon for the Federal Reserve Northeast Engagement Summit on Tuesday, October 6, 2026, in Philadelphia.

This free, full-day event brings together vendors, small and midsize businesses, community organizations, and procurement professionals for:

• Networking
• Presentations on AI, business resiliency, risk management, and economic trends
• Corporate tabling with opportunities to meet directly with Fed procurement staff
• Complimentary breakfast and lunch

Virtual attendance is available for the general session from 9 a.m.–1:30 p.m. Please register by September 22 to reserve your spot.

Learn more and register today: https://bit.ly/3UjXaL7

09/14/2026

Banking Supervision: The Evolving Fintech Regulatory Landscape

Join us on September 25 at the 10th Annual Fintech Conference for a panel discussion on how regulators and financial institutions are navigating an increasingly complex fintech environment.

Speakers:
• Kaitlin Asrow, New York State Department of Financial Services
• William G. Spaniel, Federal Reserve Bank of Philadelphia
• Moderator: Margaret E. Tahyar, Davis Polk

The 10th Annual Fintech Conference is a two-day event convening financial leaders, regulators, experts, and innovators. View the updated agenda and register to join us online September 24–25. https://bit.ly/4cQydx4

09/11/2026

Today, we pause to remember the nearly 3,000 lives lost 25 years ago on September 11, 2001, including many people from our District. We honor the first responders, the survivors, and all those who continue to carry the weight of that day.

Communities across the Third District came together in extraordinary ways in the aftermath, reflecting the resilience and strength that continues to define our region today.

09/10/2026

Why do some credit card holders get a bump in their credit limit after opening a second card — and what does that say about their creditworthiness? Our latest explores how lenders interpret information about emerging borrowers.

Research in Focus — Many people assume that a borrower with a higher credit limit is more likely to default, but when we look at the allocation of credit across first-time borrowers, the pattern reverses.