Bank Regulatory Agencies

Bank regulatory agencies are organizations that oversee and supervise banks to ensure they operate safely, soundly, and fairly. They set rules, monitor financial health, and protect customer deposits and the broader economy. In the U.S., key agencies include the Federal Reserve, which manages monetary policy and supervises large banks; the FDIC, insuring deposits and overseeing institutions; and the OCC, regulating national banks. These agencies work together to prevent bank failures, ensure transparency, and maintain trust in the financial system. Their role is essential for economic stability and protecting consumers’ interests.