SMALL BUSINESS: The Fed on July 1 announced it has begun a survey to find out how economic and regulatory changes have affected small-business financing. By yearend the National Opinion Research Center will interview 6,000 executives at firms with fewer than 500 employees about their use of credit and other financial services.

LARGE BANKS: The Fed issued two separate supervisory letters explaining changes to its oversight of large, complex banking organizations. The June 24 letter details how teams of examiners dedicated to each of 30 large U.S. and foreign banks will tailor oversight to fit the bank's risk profile. The July 1 letter focuses on determining the capital needs of these large banks by identifying and monitoring risks.

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