4 See the President's Working Group on Financial Markets, Federal Deposit Insurance  Corporation, and Office of the Comptroller of the Currency, Report on Stablecoins (PDF) (Washington: PWG, FDIC, and OCC, November 2021). 5 For example, see Michael S. Barr, No Slack: The Financial Lives of Low-Income  Americans (Washington: Brookings Press, 2012).
6 Board of Governors of the Federal Reserve System, "Federal Reserve updates  FedNow Service timing to mid-2023, marks beginning of full-scale pilot testing," news release, August 29, 2022. 5/5  BIS - Central bankers' speeches