For the Federal Reserve Board Regulated Entities 2025

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These include bank holding companies, state member banks, savings and loan holding companies, foreign bank offices in the U.S., and foreign branches and operations of U.S. banks.
The Office of the Comptroller of the Currency (OCC) is an independent bureau of the U.S. Department of the Treasury. The OCC charters, regulates, and supervises all national banks, federal savings associations, and federal branches and agencies of foreign banks.
One of the Federal Reserve Systems primary functions is to act as regulator and supervisor of banks and the banking system in the U.S. The Fed issues and enforces regulations that limit the lending and other activities of member banks, for both microprudential and macroprudential purposes.
The Federal Reserves supervision activities include examinations and inspections to ensure that financial institutions operate in a safe and sound manner and comply with laws and regulations. These include an assessment of a financial institutions risk-management systems, financial conditions, and compliance.
Bank holding companies and financial services holding companies, which own or have controlling interest in one or more banks, are also regulated by the Federal Reserve. The OTS examines federal and many state-chartered thrift institutions, which include savings banks and savings and loan associations.
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Set by the Feds board of governors, reserve requirements are one of the three main tools of monetary policythe other two tools are open market operations and the discount rate.

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