Since then, the aggregate supply and demand balance – which shows the rate of utilization of labor and fixed capital – has been improving moderately and the year-on-year rate of decline in the CPI has been shrinking steadily since end-2009 and recently has been around 0 percent.
The Reserve Banks' Community Affairs programs are specifically focused on improving understanding about low- and moderate-income consumers' needs for and access to financial services. Toward this end, the Reserve Banks engage in research that explores issues relating to consumers' use of financial services products and services.