Complexities of the Regulatory System
Regulatory Agencies
Financial Stability Oversight Council Identify risks to the financial stability of the United States from activities of large, interconnected financial companies. Authority to gather information from financial institutions. Make recommendations to the Fed and other primary financial regulatory agencies regarding heightened prudential standards.
Regulated Financial Activities
Payment and Clearing Systems Payments processing; custody and clearing
Investment Advisory Mutual and money market funds; wealth management: trust services
Office of the Comptroller of the Currency Focus on safety and soundness. Primary regulator of national banks and federal savings associations. Examination authority. Examines loan portfolio, liquidity, internal controls, risk management, audit, compliance, foreign branches.
Financial Industry Regulatory Authority Regulates brokerage firms and registered securities representatives. Writes and enforces rules. Examination authority over securities firms.
Federal Deposit Insurance Corporation Focus on protecting deposits through insurance fund; safety and soundness; manage bank receiverships.
Derivatives Futures, commodities and derivatives
Investment Banking Securities underwriting: M&A financial advisory services
Consumer Financial Protection Bureau Focus on protecting consumers in the financial products and services markets. Authority to write rules, examine institutions and enforcement. No prudential mandate.
Federal Reserve Focus on safety and soundness. Supervisor for bank holding companies; monetary policy; payment systems.
U.S. Securities and Exchange Commission Regulates securities exchanges; mutual funds and investment advisors. Examination authority for broker-dealers.
Consumer Lending Credit cards; student and auto loan
Alternative Investments Hedge funds; private equity
Office of Financial Research Office within Treasury, which may collect data from financial institutions on behalf of Council. No examination authority.
Commodity Futures Trading Commission Market oversight and enforcement functions.
Commercial Lending Commercial and industrial lending
Retail Banking Deposit products; mortgages and home equity
Broker-Dealer Institutional and retail brokerage; securities lending; prime broker services
Complexities of the Regulatory System
Regulatory Agencies
Financial Stability Oversight Council Identify risks to the financial stability of the United States from activities of large, interconnected financial companies. Authority to gather information from financial institutions. Make recommendations to the Fed and other primary financial regulatory agencies regarding heightened prudential standards.
Regulated Financial Activities
Payment and Clearing Systems Payments processing; custody and clearing
Investment Advisory Mutual and money market funds; wealth management: trust services
Office of the Comptroller of the Currency Focus on safety and soundness. Primary regulator of national banks and federal savings associations. Examination authority. Examines loan portfolio, liquidity, internal controls, risk management, audit, compliance, foreign branches.
Financial Industry Regulatory Authority Regulates brokerage firms and registered securities representatives. Writes and enforces rules. Examination authority over securities firms.
Federal Deposit Insurance Corporation Focus on protecting deposits through insurance fund; safety and soundness; manage bank receiverships.
Derivatives Futures, commodities and derivatives
Investment Banking Securities underwriting: M&A financial advisory services
Federal Reserve Focus on safety and soundness. Supervisor for bank holding companies; monetary policy; payment systems.
Consumer Financial Protection Bureau Focus on protecting consumers in the financial products and services markets. Authority to write rules, examine institutions and enforcement. No prudential mandate.
U.S. Securities and Exchange Commission Regulates securities exchanges; mutual funds and investment advisors. Examination authority for broker-dealers.
Consumer Lending Credit cards; student and auto loan
Alternative Investments Hedge funds; private equity
Office of Financial Research Office within Treasury, which may collect data from financial institutions on behalf of Council. No examination authority.
Commodity Futures Trading Commission Market oversight and enforcement functions.
Commercial Lending Commercial and industrial lending
Retail Banking Deposit products; mortgages and home equity
Broker-Dealer Institutional and retail brokerage; securities lending; prime broker services
Complexities of the Regulatory System
Regulatory Agencies
Financial Stability Oversight Council Identify risks to the financial stability of the United States from activities of large, interconnected financial companies. Authority to gather information from financial institutions. Make recommendations to the Fed and other primary financial regulatory agencies regarding heightened prudential standards.
Regulated Financial Activities
Payment and Clearing Systems Payments processing; custody and clearing
Investment Advisory Mutual and money market funds; wealth management: trust services
Office of the Comptroller of the Currency Focus on safety and soundness. Primary regulator of national banks and federal savings associations. Examination authority. Examines loan portfolio, liquidity, internal controls, risk management, audit, compliance, foreign branches.
Financial Industry Regulatory Authority Regulates brokerage firms and registered securities representatives. Writes and enforces rules. Examination authority over securities firms.
Federal Deposit Insurance Corporation Focus on protecting deposits through insurance fund; safety and soundness; manage bank receiverships.
Derivatives Futures, commodities and derivatives
Investment Banking Securities underwriting: M&A financial advisory services
Federal Reserve Focus on safety and soundness. Supervisor for bank holding companies; monetary policy; payment systems.
Consumer Financial Protection Bureau Focus on protecting consumers in the financial products and services markets. Authority to write rules, examine institutions and enforcement. No prudential mandate.
U.S. Securities and Exchange Commission Regulates securities exchanges; mutual funds and investment advisors. Examination authority for broker-dealers.
Consumer Lending Credit cards; student and auto loan
Alternative Investments Hedge funds; private equity
Office of Financial Research Office within Treasury, which may collect data from financial institutions on behalf of Council. No examination authority.
Commodity Futures Trading Commission Market oversight and enforcement functions.
Commercial Lending Commercial and industrial lending
Retail Banking Deposit products; mortgages and home equity
Broker-Dealer Institutional and retail brokerage; securities lending; prime broker services
Complexities of the Regulatory System
Regulatory Agencies
Financial Stability Oversight Council Identify risks to the financial stability of the United States from activities of large, interconnected financial companies. Authority to gather information from financial institutions. Make recommendations to the Fed and other primary financial regulatory agencies regarding heightened prudential standards.
Regulated Financial Activities
Payment and Clearing Systems Payments processing; custody and clearing
Investment Advisory Mutual and money market funds; wealth management: trust services
Office of the Comptroller of the Currency Focus on safety and soundness. Primary regulator of national banks and federal savings associations. Examination authority. Examines loan portfolio, liquidity, internal controls, risk management, audit, compliance, foreign branches.
Financial Industry Regulatory Authority Regulates brokerage firms and registered securities representatives. Writes and enforces rules. Examination authority over securities firms.
Federal Deposit Insurance Corporation Focus on protecting deposits through insurance fund; safety and soundness; manage bank receiverships.
Derivatives Futures, commodities and derivatives
Investment Banking Securities underwriting: M&A financial advisory services
Federal Reserve Focus on safety and soundness. Supervisor for bank holding companies; monetary policy; payment systems.
Consumer Financial Protection Bureau Focus on protecting consumers in the financial products and services markets. Authority to write rules, examine institutions and enforcement. No prudential mandate.
U.S. Securities and Exchange Commission Regulates securities exchanges; mutual funds and investment advisors. Examination authority for broker-dealers.
Consumer Lending Credit cards; student and auto loan
Alternative Investments Hedge funds; private equity
Office of Financial Research Office within Treasury, which may collect data from financial institutions on behalf of Council. No examination authority.
Commodity Futures Trading Commission Market oversight and enforcement functions.
Commercial Lending Commercial and industrial lending
Retail Banking Deposit products; mortgages and home equity
Broker-Dealer Institutional and retail brokerage; securities lending; prime broker services
Complexities of the Regulatory System
Regulatory Agencies
Financial Stability Oversight Council Identify risks to the financial stability of the United States from activities of large, interconnected financial companies. Authority to gather information from financial institutions. Make recommendations to the Fed and other primary financial regulatory agencies regarding heightened prudential standards.
Regulated Financial Activities
Payment and Clearing Systems Payments processing; custody and clearing
Investment Advisory Mutual and money market funds; wealth management: trust services
Office of the Comptroller of the Currency Focus on safety and soundness. Primary regulator of national banks and federal savings associations. Examination authority. Examines loan portfolio, liquidity, internal controls, risk management, audit, compliance, foreign branches.
Financial Industry Regulatory Authority Regulates brokerage firms and registered securities representatives. Writes and enforces rules. Examination authority over securities firms.
Federal Deposit Insurance Corporation Focus on protecting deposits through insurance fund; safety and soundness; manage bank receiverships.
Derivatives Futures, commodities and derivatives
Investment Banking Securities underwriting: M&A financial advisory services
Federal Reserve Focus on safety and soundness. Supervisor for bank holding companies; monetary policy; payment systems.
Consumer Financial Protection Bureau Focus on protecting consumers in the financial products and services markets. Authority to write rules, examine institutions and enforcement. No prudential mandate.
U.S. Securities and Exchange Commission Regulates securities exchanges; mutual funds and investment advisors. Examination authority for broker-dealers.
Consumer Lending Credit cards; student and auto loan
Alternative Investments Hedge funds; private equity
Office of Financial Research Office within Treasury, which may collect data from financial institutions on behalf of Council. No examination authority.
Commodity Futures Trading Commission Market oversight and enforcement functions.
Commercial Lending Commercial and industrial lending
Retail Banking Deposit products; mortgages and home equity
Broker-Dealer Institutional and retail brokerage; securities lending; prime broker services
Complexities of the Regulatory System
Regulatory Agencies
Financial Stability Oversight Council Identify risks to the financial stability of the United States from activities of large, interconnected financial companies. Authority to gather information from financial institutions. Make recommendations to the Fed and other primary financial regulatory agencies regarding heightened prudential standards.
Regulated Financial Activities
Payment and Clearing Systems Payments processing; custody and clearing
Investment Advisory Mutual and money market funds; wealth management: trust services
Office of the Comptroller of the Currency Focus on safety and soundness. Primary regulator of national banks and federal savings associations. Examination authority. Examines loan portfolio, liquidity, internal controls, risk management, audit, compliance, foreign branches.
Financial Industry Regulatory Authority Regulates brokerage firms and registered securities representatives. Writes and enforces rules. Examination authority over securities firms.
Federal Deposit Insurance Corporation Focus on protecting deposits through insurance fund; safety and soundness; manage bank receiverships.
Derivatives Futures, commodities and derivatives
Investment Banking Securities underwriting: M&A financial advisory services
Consumer Financial Protection Bureau Focus on protecting consumers in the financial products and services markets. Authority to write rules, examine institutions and enforcement. No prudential mandate.
Federal Reserve Focus on safety and soundness. Supervisor for bank holding companies; monetary policy; payment systems.
U.S. Securities and Exchange Commission Regulates securities exchanges; mutual funds and investment advisors. Examination authority for broker-dealers.
Consumer Lending Credit cards; student and auto loan
Alternative Investments Hedge funds; private equity
Office of Financial Research Office within Treasury, which may collect data from financial institutions on behalf of Council. No examination authority.
Commodity Futures Trading Commission Market oversight and enforcement functions.
Commercial Lending Commercial and industrial lending
Retail Banking Deposit products; mortgages and home equity
Broker-Dealer Institutional and retail brokerage; securities lending; prime broker services
Complexities of the Regulatory System
Regulatory Agencies
Financial Stability Oversight Council Identify risks to the financial stability of the United States from activities of large, interconnected financial companies. Authority to gather information from financial institutions. Make recommendations to the Fed and other primary financial regulatory agencies regarding heightened prudential standards.
Regulated Financial Activities
Payment and Clearing Systems Payments processing; custody and clearing
Investment Advisory Mutual and money market funds; wealth management: trust services
Office of the Comptroller of the Currency Focus on safety and soundness. Primary regulator of national banks and federal savings associations. Examination authority. Examines loan portfolio, liquidity, internal controls, risk management, audit, compliance, foreign branches.
Financial Industry Regulatory Authority Regulates brokerage firms and registered securities representatives. Writes and enforces rules. Examination authority over securities firms.
Federal Deposit Insurance Corporation Focus on protecting deposits through insurance fund; safety and soundness; manage bank receiverships.
Derivatives Futures, commodities and derivatives
Investment Banking Securities underwriting: M&A financial advisory services
Federal Reserve Focus on safety and soundness. Supervisor for bank holding companies; monetary policy; payment systems.
Consumer Financial Protection Bureau Focus on protecting consumers in the financial products and services markets. Authority to write rules, examine institutions and enforcement. No prudential mandate.
U.S. Securities and Exchange Commission Regulates securities exchanges; mutual funds and investment advisors. Examination authority for broker-dealers.
Consumer Lending Credit cards; student and auto loan
Alternative Investments Hedge funds; private equity
Office of Financial Research Office within Treasury, which may collect data from financial institutions on behalf of Council. No examination authority.
Commodity Futures Trading Commission Market oversight and enforcement functions.
Commercial Lending Commercial and industrial lending
Retail Banking Deposit products; mortgages and home equity
Broker-Dealer Institutional and retail brokerage; securities lending; prime broker services
Complexities of the Regulatory System
Regulatory Agencies
Financial Stability Oversight Council Identify risks to the financial stability of the United States from activities of large, interconnected financial companies. Authority to gather information from financial institutions. Make recommendations to the Fed and other primary financial regulatory agencies regarding heightened prudential standards.
Regulated Financial Activities
Payment and Clearing Systems Payments processing; custody and clearing
Investment Advisory Mutual and money market funds; wealth management: trust services
Office of the Comptroller of the Currency Focus on safety and soundness. Primary regulator of national banks and federal savings associations. Examination authority. Examines loan portfolio, liquidity, internal controls, risk management, audit, compliance, foreign branches.
Financial Industry Regulatory Authority Regulates brokerage firms and registered securities representatives. Writes and enforces rules. Examination authority over securities firms.
Federal Deposit Insurance Corporation Focus on protecting deposits through insurance fund; safety and soundness; manage bank receiverships.
Derivatives Futures, commodities and derivatives
Investment Banking Securities underwriting: M&A financial advisory services
Federal Reserve Focus on safety and soundness. Supervisor for bank holding companies; monetary policy; payment systems.
Consumer Financial Protection Bureau Focus on protecting consumers in the financial products and services markets. Authority to write rules, examine institutions and enforcement. No prudential mandate.
U.S. Securities and Exchange Commission Regulates securities exchanges; mutual funds and investment advisors. Examination authority for broker-dealers.
Consumer Lending Credit cards; student and auto loan
Alternative Investments Hedge funds; private equity
Office of Financial Research Office within Treasury, which may collect data from financial institutions on behalf of Council. No examination authority.
Commodity Futures Trading Commission Market oversight and enforcement functions.
Commercial Lending Commercial and industrial lending
Retail Banking Deposit products; mortgages and home equity
Broker-Dealer Institutional and retail brokerage; securities lending; prime broker services
Complexities of the Regulatory System
Regulatory Agencies
Financial Stability Oversight Council Identify risks to the financial stability of the United States from activities of large, interconnected financial companies. Authority to gather information from financial institutions. Make recommendations to the Fed and other primary financial regulatory agencies regarding heightened prudential standards.
Regulated Financial Activities
Payment and Clearing Systems Payments processing; custody and clearing
Investment Advisory Mutual and money market funds; wealth management: trust services
Office of the Comptroller of the Currency Focus on safety and soundness. Primary regulator of national banks and federal savings associations. Examination authority. Examines loan portfolio, liquidity, internal controls, risk management, audit, compliance, foreign branches.
Financial Industry Regulatory Authority Regulates brokerage firms and registered securities representatives. Writes and enforces rules. Examination authority over securities firms.
Federal Deposit Insurance Corporation Focus on protecting deposits through insurance fund; safety and soundness; manage bank receiverships.
Derivatives Futures, commodities and derivatives
Investment Banking Securities underwriting: M&A financial advisory services
Federal Reserve Focus on safety and soundness. Supervisor for bank holding companies; monetary policy; payment systems.
Consumer Financial Protection Bureau Focus on protecting consumers in the financial products and services markets. Authority to write rules, examine institutions and enforcement. No prudential mandate.
U.S. Securities and Exchange Commission Regulates securities exchanges; mutual funds and investment advisors. Examination authority for broker-dealers.
Consumer Lending Credit cards; student and auto loan
Alternative Investments Hedge funds; private equity
Office of Financial Research Office within Treasury, which may collect data from financial institutions on behalf of Council. No examination authority.
Commodity Futures Trading Commission Market oversight and enforcement functions.
Commercial Lending Commercial and industrial lending
Retail Banking Deposit products; mortgages and home equity
Broker-Dealer Institutional and retail brokerage; securities lending; prime broker services
Complexities of the Regulatory System
Regulatory Agencies
Financial Stability Oversight Council Identify risks to the financial stability of the United States from activities of large, interconnected financial companies. Authority to gather information from financial institutions. Make recommendations to the Fed and other primary financial regulatory agencies regarding heightened prudential standards.
Regulated Financial Activities
Payment and Clearing Systems Payments processing; custody and clearing
Investment Advisory Mutual and money market funds; wealth management: trust services
Office of the Comptroller of the Currency Focus on safety and soundness. Primary regulator of national banks and federal savings associations. Examination authority. Examines loan portfolio, liquidity, internal controls, risk management, audit, compliance, foreign branches.
Financial Industry Regulatory Authority Regulates brokerage firms and registered securities representatives. Writes and enforces rules. Examination authority over securities firms.
Federal Deposit Insurance Corporation Focus on protecting deposits through insurance fund; safety and soundness; manage bank receiverships.
Derivatives Futures, commodities and derivatives
Investment Banking Securities underwriting: M&A financial advisory services
Consumer Financial Protection Bureau Focus on protecting consumers in the financial products and services markets. Authority to write rules, examine institutions and enforcement. No prudential mandate.
Federal Reserve Focus on safety and soundness. Supervisor for bank holding companies; monetary policy; payment systems.
U.S. Securities and Exchange Commission Regulates securities exchanges; mutual funds and investment advisors. Examination authority for broker-dealers.
Consumer Lending Credit cards; student and auto loan
Alternative Investments Hedge funds; private equity
Office of Financial Research Office within Treasury, which may collect data from financial institutions on behalf of Council. No examination authority.
Commodity Futures Trading Commission Market oversight and enforcement functions.
Commercial Lending Commercial and industrial lending
Retail Banking Deposit products; mortgages and home equity
Broker-Dealer Institutional and retail brokerage; securities lending; prime broker services
Complexities of the Regulatory System
Regulatory Agencies
Financial Stability Oversight Council Identify risks to the financial stability of the United States from activities of large, interconnected financial companies. Authority to gather information from financial institutions. Make recommendations to the Fed and other primary financial regulatory agencies regarding heightened prudential standards.
Regulated Financial Activities
Payment and Clearing Systems Payments processing; custody and clearing
Investment Advisory Mutual and money market funds; wealth management: trust services
Office of the Comptroller of the Currency Focus on safety and soundness. Primary regulator of national banks and federal savings associations. Examination authority. Examines loan portfolio, liquidity, internal controls, risk management, audit, compliance, foreign branches.
Financial Industry Regulatory Authority Regulates brokerage firms and registered securities representatives. Writes and enforces rules. Examination authority over securities firms.
Federal Deposit Insurance Corporation Focus on protecting deposits through insurance fund; safety and soundness; manage bank receiverships.
Derivatives Futures, commodities and derivatives
Investment Banking Securities underwriting: M&A financial advisory services
Federal Reserve Focus on safety and soundness. Supervisor for bank holding companies; monetary policy; payment systems.
Consumer Financial Protection Bureau Focus on protecting consumers in the financial products and services markets. Authority to write rules, examine institutions and enforcement. No prudential mandate.
U.S. Securities and Exchange Commission Regulates securities exchanges; mutual funds and investment advisors. Examination authority for broker-dealers.
Consumer Lending Credit cards; student and auto loan
Alternative Investments Hedge funds; private equity
Office of Financial Research Office within Treasury, which may collect data from financial institutions on behalf of Council. No examination authority.
Commodity Futures Trading Commission Market oversight and enforcement functions.
Commercial Lending Commercial and industrial lending
Retail Banking Deposit products; mortgages and home equity
Broker-Dealer Institutional and retail brokerage; securities lending; prime broker services
Complexities of the Regulatory System
Regulatory Agencies
Financial Stability Oversight Council Identify risks to the financial stability of the United States from activities of large, interconnected financial companies. Authority to gather information from financial institutions. Make recommendations to the Fed and other primary financial regulatory agencies regarding heightened prudential standards.
Regulated Financial Activities
Payment and Clearing Systems Payments processing; custody and clearing
Investment Advisory Mutual and money market funds; wealth management: trust services
Office of the Comptroller of the Currency Focus on safety and soundness. Primary regulator of national banks and federal savings associations. Examination authority. Examines loan portfolio, liquidity, internal controls, risk management, audit, compliance, foreign branches.
Financial Industry Regulatory Authority Regulates brokerage firms and registered securities representatives. Writes and enforces rules. Examination authority over securities firms.
Federal Deposit Insurance Corporation Focus on protecting deposits through insurance fund; safety and soundness; manage bank receiverships.
Derivatives Futures, commodities and derivatives
Investment Banking Securities underwriting: M&A financial advisory services
Consumer Financial Protection Bureau Focus on protecting consumers in the financial products and services markets. Authority to write rules, examine institutions and enforcement. No prudential mandate.
Federal Reserve Focus on safety and soundness. Supervisor for bank holding companies; monetary policy; payment systems.
U.S. Securities and Exchange Commission Regulates securities exchanges; mutual funds and investment advisors. Examination authority for broker-dealers.
Consumer Lending Credit cards; student and auto loan
Alternative Investments Hedge funds; private equity
Office of Financial Research Office within Treasury, which may collect data from financial institutions on behalf of Council. No examination authority.
Commodity Futures Trading Commission Market oversight and enforcement functions.
Commercial Lending Commercial and industrial lending
Retail Banking Deposit products; mortgages and home equity
Broker-Dealer Institutional and retail brokerage; securities lending; prime broker services
Complexities of the Regulatory System
Regulatory Agencies
Financial Stability Oversight Council Identify risks to the financial stability of the United States from activities of large, interconnected financial companies. Authority to gather information from financial institutions. Make recommendations to the Fed and other primary financial regulatory agencies regarding heightened prudential standards.
Regulated Financial Activities
Payment and Clearing Systems Payments processing; custody and clearing
Investment Advisory Mutual and money market funds; wealth management: trust services
Office of the Comptroller of the Currency Focus on safety and soundness. Primary regulator of national banks and federal savings associations. Examination authority. Examines loan portfolio, liquidity, internal controls, risk management, audit, compliance, foreign branches.
Financial Industry Regulatory Authority Regulates brokerage firms and registered securities representatives. Writes and enforces rules. Examination authority over securities firms.
Federal Deposit Insurance Corporation Focus on protecting deposits through insurance fund; safety and soundness; manage bank receiverships.
Derivatives Futures, commodities and derivatives
Investment Banking Securities underwriting: M&A financial advisory services
Federal Reserve Focus on safety and soundness. Supervisor for bank holding companies; monetary policy; payment systems.
Consumer Financial Protection Bureau Focus on protecting consumers in the financial products and services markets. Authority to write rules, examine institutions and enforcement. No prudential mandate.
U.S. Securities and Exchange Commission Regulates securities exchanges; mutual funds and investment advisors. Examination authority for broker-dealers.
Consumer Lending Credit cards; student and auto loan
Alternative Investments Hedge funds; private equity
Office of Financial Research Office within Treasury, which may collect data from financial institutions on behalf of Council. No examination authority.
Commodity Futures Trading Commission Market oversight and enforcement functions.
Commercial Lending Commercial and industrial lending
Retail Banking Deposit products; mortgages and home equity
Broker-Dealer Institutional and retail brokerage; securities lending; prime broker services
Complexities of the Regulatory System
Regulatory Agencies
Financial Stability Oversight Council Identify risks to the financial stability of the United States from activities of large, interconnected financial companies. Authority to gather information from financial institutions. Make recommendations to the Fed and other primary financial regulatory agencies regarding heightened prudential standards.
Regulated Financial Activities
Payment and Clearing Systems Payments processing; custody and clearing
Investment Advisory Mutual and money market funds; wealth management: trust services
Office of the Comptroller of the Currency Focus on safety and soundness. Primary regulator of national banks and federal savings associations. Examination authority. Examines loan portfolio, liquidity, internal controls, risk management, audit, compliance, foreign branches.
Financial Industry Regulatory Authority Regulates brokerage firms and registered securities representatives. Writes and enforces rules. Examination authority over securities firms.
Federal Deposit Insurance Corporation Focus on protecting deposits through insurance fund; safety and soundness; manage bank receiverships.
Derivatives Futures, commodities and derivatives
Investment Banking Securities underwriting: M&A financial advisory services
Federal Reserve Focus on safety and soundness. Supervisor for bank holding companies; monetary policy; payment systems.
Consumer Financial Protection Bureau Focus on protecting consumers in the financial products and services markets. Authority to write rules, examine institutions and enforcement. No prudential mandate.
U.S. Securities and Exchange Commission Regulates securities exchanges; mutual funds and investment advisors. Examination authority for broker-dealers.
Consumer Lending Credit cards; student and auto loan
Alternative Investments Hedge funds; private equity
Office of Financial Research Office within Treasury, which may collect data from financial institutions on behalf of Council. No examination authority.
Commodity Futures Trading Commission Market oversight and enforcement functions.
Commercial Lending Commercial and industrial lending
Retail Banking Deposit products; mortgages and home equity
Broker-Dealer Institutional and retail brokerage; securities lending; prime broker services
Complexities of the Regulatory System
Regulatory Agencies
Financial Stability Oversight Council Identify risks to the financial stability of the United States from activities of large, interconnected financial companies. Authority to gather information from financial institutions. Make recommendations to the Fed and other primary financial regulatory agencies regarding heightened prudential standards.
Regulated Financial Activities
Payment and Clearing Systems Payments processing; custody and clearing
Investment Advisory Mutual and money market funds; wealth management: trust services
Investment Advisory Mutual and money market funds; wealth management: trust services
Office of the Comptroller of the Currency Focus on safety and soundness. Primary regulator of national banks and federal savings associations. Examination authority. Examines loan portfolio, liquidity, internal controls, risk management, audit, compliance, foreign branches.
Financial Industry Regulatory Authority Regulates brokerage firms and registered securities representatives. Writes and enforces rules. Examination authority over securities firms.
Federal Deposit Insurance Corporation Focus on protecting deposits through insurance fund; safety and soundness; manage bank receiverships.
Derivatives Futures, commodities and derivatives
Derivatives Futures, commodities and derivatives
Investment Banking Securities underwriting: M&A financial advisory services
Federal Reserve Focus on safety and soundness. Supervisor for bank holding companies; monetary policy; payment systems.
Consumer Financial Protection Bureau Focus on protecting consumers in the financial products and services markets. Authority to write rules, examine institutions and enforcement. No prudential mandate.
U.S. Securities and Exchange Commission Regulates securities exchanges; mutual funds and investment advisors. Examination authority for broker-dealers.
Consumer Lending Credit cards; student and auto loan
Alternative Investments Hedge funds; private equity
Consumer Lending Credit cards; student and auto loan
Alternative Investments Hedge funds; private equity
Office of Financial Research Office within Treasury, which may collect data from financial institutions on behalf of Council. No examination authority.
Commodity Futures Trading Commission Market oversight and enforcement functions.
Commercial Lending Commercial and industrial lending
Commercial Lending Commercial and industrial lending
Retail Banking Deposit products; mortgages and home equity
Retail Banking Deposit products; mortgages and home equity
Broker-Dealer Institutional and retail brokerage; securities lending; prime broker services
Broker-Dealer Institutional and retail brokerage; securities lending; prime broker services
Complexities of the Regulatory System
Regulatory Agencies
Financial Stability Oversight Council Identify risks to the financial stability of the United States from activities of large, interconnected financial companies. Authority to gather information from financial institutions. Make recommendations to the Fed and other primary financial regulatory agencies regarding heightened prudential standards.
Regulated Financial Activities
Payment and Clearing Systems Payments processing; custody and clearing
Investment Advisory Mutual and money market funds; wealth management: trust services
Office of the Comptroller of the Currency Focus on safety and soundness. Primary regulator of national banks and federal savings associations. Examination authority. Examines loan portfolio, liquidity, internal controls, risk management, audit, compliance, foreign branches.
Financial Industry Regulatory Authority Regulates brokerage firms and registered securities representatives. Writes and enforces rules. Examination authority over securities firms.
Federal Deposit Insurance Corporation Focus on protecting deposits through insurance fund; safety and soundness; manage bank receiverships.
Derivatives Futures, commodities and derivatives
Investment Banking Securities underwriting: M&A financial advisory services
Federal Reserve Focus on safety and soundness. Supervisor for bank holding companies; monetary policy; payment systems.
Consumer Financial Protection Bureau Focus on protecting consumers in the financial products and services markets. Authority to write rules, examine institutions and enforcement. No prudential mandate.
U.S. Securities and Exchange Commission Regulates securities exchanges; mutual funds and investment advisors. Examination authority for broker-dealers.
Consumer Lending Credit cards; student and auto loan
Alternative Investments Hedge funds; private equity
Office of Financial Research Office within Treasury, which may collect data from financial institutions on behalf of Council. No examination authority.
Commodity Futures Trading Commission Market oversight and enforcement functions.
Commercial Lending Commercial and industrial lending
Retail Banking Deposit products; mortgages and home equity
Broker-Dealer Institutional and retail brokerage; securities lending; prime broker services
Complexities of the Regulatory System
Regulatory Agencies
Financial Stability Oversight Council Identify risks to the financial stability of the United States from activities of large, interconnected financial companies. Authority to gather information from financial institutions. Make recommendations to the Fed and other primary financial regulatory agencies regarding heightened prudential standards.
Regulated Financial Activities
Payment and Clearing Systems Payments processing; custody and clearing
Investment Advisory Mutual and money market funds; wealth management: trust services
Office of the Comptroller of the Currency Focus on safety and soundness. Primary regulator of national banks and federal savings associations. Examination authority. Examines loan portfolio, liquidity, internal controls, risk management, audit, compliance, foreign branches.
Financial Industry Regulatory Authority Regulates brokerage firms and registered securities representatives. Writes and enforces rules. Examination authority over securities firms.
Federal Deposit Insurance Corporation Focus on protecting deposits through insurance fund; safety and soundness; manage bank receiverships.
Derivatives Futures, commodities and derivatives
Investment Banking Securities underwriting: M&A financial advisory services
Federal Reserve Focus on safety and soundness. Supervisor for bank holding companies; monetary policy; payment systems.
Consumer Financial Protection Bureau Focus on protecting consumers in the financial products and services markets. Authority to write rules, examine institutions and enforcement. No prudential mandate.
U.S. Securities and Exchange Commission Regulates securities exchanges; mutual funds and investment advisors. Examination authority for broker-dealers.
Consumer Lending Credit cards; student and auto loan
Alternative Investments Hedge funds; private equity
Office of Financial Research Office within Treasury, which may collect data from financial institutions on behalf of Council. No examination authority.
Commodity Futures Trading Commission Market oversight and enforcement functions.
Commercial Lending Commercial and industrial lending
Retail Banking Deposit products; mortgages and home equity
Broker-Dealer Institutional and retail brokerage; securities lending; prime broker services
Complexities of the Regulatory System
Regulatory Agencies
Financial Stability Oversight Council Identify risks to the financial stability of the United States from activities of large, interconnected financial companies. Authority to gather information from financial institutions. Make recommendations to the Fed and other primary financial regulatory agencies regarding heightened prudential standards.
Regulated Financial Activities
Payment and Clearing Systems Payments processing; custody and clearing
Investment Advisory Mutual and money market funds; wealth management: trust services
Office of the Comptroller of the Currency Focus on safety and soundness. Primary regulator of national banks and federal savings associations. Examination authority. Examines loan portfolio, liquidity, internal controls, risk management, audit, compliance, foreign branches.
Financial Industry Regulatory Authority Regulates brokerage firms and registered securities representatives. Writes and enforces rules. Examination authority over securities firms.
Federal Deposit Insurance Corporation Focus on protecting deposits through insurance fund; safety and soundness; manage bank receiverships.
Derivatives Futures, commodities and derivatives
Investment Banking Securities underwriting: M&A financial advisory services
Consumer Financial Protection Bureau Focus on protecting consumers in the financial products and services markets. Authority to write rules, examine institutions and enforcement. No prudential mandate.
Federal Reserve Focus on safety and soundness. Supervisor for bank holding companies; monetary policy; payment systems.
U.S. Securities and Exchange Commission Regulates securities exchanges; mutual funds and investment advisors. Examination authority for broker-dealers.
Consumer Lending Credit cards; student and auto loan
Alternative Investments Hedge funds; private equity
Office of Financial Research Office within Treasury, which may collect data from financial institutions on behalf of Council. No examination authority.
Commodity Futures Trading Commission Market oversight and enforcement functions.
Commercial Lending Commercial and industrial lending
Retail Banking Deposit products; mortgages and home equity
Broker-Dealer Institutional and retail brokerage; securities lending; prime broker services
FINAL USE: Landscape
Rachel O'Brien
Created on July 28, 2025
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Transcript
Complexities of the Regulatory System
Regulatory Agencies
Financial Stability Oversight Council Identify risks to the financial stability of the United States from activities of large, interconnected financial companies. Authority to gather information from financial institutions. Make recommendations to the Fed and other primary financial regulatory agencies regarding heightened prudential standards.
Regulated Financial Activities
Payment and Clearing Systems Payments processing; custody and clearing
Investment Advisory Mutual and money market funds; wealth management: trust services
Office of the Comptroller of the Currency Focus on safety and soundness. Primary regulator of national banks and federal savings associations. Examination authority. Examines loan portfolio, liquidity, internal controls, risk management, audit, compliance, foreign branches.
Financial Industry Regulatory Authority Regulates brokerage firms and registered securities representatives. Writes and enforces rules. Examination authority over securities firms.
Federal Deposit Insurance Corporation Focus on protecting deposits through insurance fund; safety and soundness; manage bank receiverships.
Derivatives Futures, commodities and derivatives
Investment Banking Securities underwriting: M&A financial advisory services
Consumer Financial Protection Bureau Focus on protecting consumers in the financial products and services markets. Authority to write rules, examine institutions and enforcement. No prudential mandate.
Federal Reserve Focus on safety and soundness. Supervisor for bank holding companies; monetary policy; payment systems.
U.S. Securities and Exchange Commission Regulates securities exchanges; mutual funds and investment advisors. Examination authority for broker-dealers.
Consumer Lending Credit cards; student and auto loan
Alternative Investments Hedge funds; private equity
Office of Financial Research Office within Treasury, which may collect data from financial institutions on behalf of Council. No examination authority.
Commodity Futures Trading Commission Market oversight and enforcement functions.
Commercial Lending Commercial and industrial lending
Retail Banking Deposit products; mortgages and home equity
Broker-Dealer Institutional and retail brokerage; securities lending; prime broker services
Complexities of the Regulatory System
Regulatory Agencies
Financial Stability Oversight Council Identify risks to the financial stability of the United States from activities of large, interconnected financial companies. Authority to gather information from financial institutions. Make recommendations to the Fed and other primary financial regulatory agencies regarding heightened prudential standards.
Regulated Financial Activities
Payment and Clearing Systems Payments processing; custody and clearing
Investment Advisory Mutual and money market funds; wealth management: trust services
Office of the Comptroller of the Currency Focus on safety and soundness. Primary regulator of national banks and federal savings associations. Examination authority. Examines loan portfolio, liquidity, internal controls, risk management, audit, compliance, foreign branches.
Financial Industry Regulatory Authority Regulates brokerage firms and registered securities representatives. Writes and enforces rules. Examination authority over securities firms.
Federal Deposit Insurance Corporation Focus on protecting deposits through insurance fund; safety and soundness; manage bank receiverships.
Derivatives Futures, commodities and derivatives
Investment Banking Securities underwriting: M&A financial advisory services
Federal Reserve Focus on safety and soundness. Supervisor for bank holding companies; monetary policy; payment systems.
Consumer Financial Protection Bureau Focus on protecting consumers in the financial products and services markets. Authority to write rules, examine institutions and enforcement. No prudential mandate.
U.S. Securities and Exchange Commission Regulates securities exchanges; mutual funds and investment advisors. Examination authority for broker-dealers.
Consumer Lending Credit cards; student and auto loan
Alternative Investments Hedge funds; private equity
Office of Financial Research Office within Treasury, which may collect data from financial institutions on behalf of Council. No examination authority.
Commodity Futures Trading Commission Market oversight and enforcement functions.
Commercial Lending Commercial and industrial lending
Retail Banking Deposit products; mortgages and home equity
Broker-Dealer Institutional and retail brokerage; securities lending; prime broker services
Complexities of the Regulatory System
Regulatory Agencies
Financial Stability Oversight Council Identify risks to the financial stability of the United States from activities of large, interconnected financial companies. Authority to gather information from financial institutions. Make recommendations to the Fed and other primary financial regulatory agencies regarding heightened prudential standards.
Regulated Financial Activities
Payment and Clearing Systems Payments processing; custody and clearing
Investment Advisory Mutual and money market funds; wealth management: trust services
Office of the Comptroller of the Currency Focus on safety and soundness. Primary regulator of national banks and federal savings associations. Examination authority. Examines loan portfolio, liquidity, internal controls, risk management, audit, compliance, foreign branches.
Financial Industry Regulatory Authority Regulates brokerage firms and registered securities representatives. Writes and enforces rules. Examination authority over securities firms.
Federal Deposit Insurance Corporation Focus on protecting deposits through insurance fund; safety and soundness; manage bank receiverships.
Derivatives Futures, commodities and derivatives
Investment Banking Securities underwriting: M&A financial advisory services
Federal Reserve Focus on safety and soundness. Supervisor for bank holding companies; monetary policy; payment systems.
Consumer Financial Protection Bureau Focus on protecting consumers in the financial products and services markets. Authority to write rules, examine institutions and enforcement. No prudential mandate.
U.S. Securities and Exchange Commission Regulates securities exchanges; mutual funds and investment advisors. Examination authority for broker-dealers.
Consumer Lending Credit cards; student and auto loan
Alternative Investments Hedge funds; private equity
Office of Financial Research Office within Treasury, which may collect data from financial institutions on behalf of Council. No examination authority.
Commodity Futures Trading Commission Market oversight and enforcement functions.
Commercial Lending Commercial and industrial lending
Retail Banking Deposit products; mortgages and home equity
Broker-Dealer Institutional and retail brokerage; securities lending; prime broker services
Complexities of the Regulatory System
Regulatory Agencies
Financial Stability Oversight Council Identify risks to the financial stability of the United States from activities of large, interconnected financial companies. Authority to gather information from financial institutions. Make recommendations to the Fed and other primary financial regulatory agencies regarding heightened prudential standards.
Regulated Financial Activities
Payment and Clearing Systems Payments processing; custody and clearing
Investment Advisory Mutual and money market funds; wealth management: trust services
Office of the Comptroller of the Currency Focus on safety and soundness. Primary regulator of national banks and federal savings associations. Examination authority. Examines loan portfolio, liquidity, internal controls, risk management, audit, compliance, foreign branches.
Financial Industry Regulatory Authority Regulates brokerage firms and registered securities representatives. Writes and enforces rules. Examination authority over securities firms.
Federal Deposit Insurance Corporation Focus on protecting deposits through insurance fund; safety and soundness; manage bank receiverships.
Derivatives Futures, commodities and derivatives
Investment Banking Securities underwriting: M&A financial advisory services
Federal Reserve Focus on safety and soundness. Supervisor for bank holding companies; monetary policy; payment systems.
Consumer Financial Protection Bureau Focus on protecting consumers in the financial products and services markets. Authority to write rules, examine institutions and enforcement. No prudential mandate.
U.S. Securities and Exchange Commission Regulates securities exchanges; mutual funds and investment advisors. Examination authority for broker-dealers.
Consumer Lending Credit cards; student and auto loan
Alternative Investments Hedge funds; private equity
Office of Financial Research Office within Treasury, which may collect data from financial institutions on behalf of Council. No examination authority.
Commodity Futures Trading Commission Market oversight and enforcement functions.
Commercial Lending Commercial and industrial lending
Retail Banking Deposit products; mortgages and home equity
Broker-Dealer Institutional and retail brokerage; securities lending; prime broker services
Complexities of the Regulatory System
Regulatory Agencies
Financial Stability Oversight Council Identify risks to the financial stability of the United States from activities of large, interconnected financial companies. Authority to gather information from financial institutions. Make recommendations to the Fed and other primary financial regulatory agencies regarding heightened prudential standards.
Regulated Financial Activities
Payment and Clearing Systems Payments processing; custody and clearing
Investment Advisory Mutual and money market funds; wealth management: trust services
Office of the Comptroller of the Currency Focus on safety and soundness. Primary regulator of national banks and federal savings associations. Examination authority. Examines loan portfolio, liquidity, internal controls, risk management, audit, compliance, foreign branches.
Financial Industry Regulatory Authority Regulates brokerage firms and registered securities representatives. Writes and enforces rules. Examination authority over securities firms.
Federal Deposit Insurance Corporation Focus on protecting deposits through insurance fund; safety and soundness; manage bank receiverships.
Derivatives Futures, commodities and derivatives
Investment Banking Securities underwriting: M&A financial advisory services
Federal Reserve Focus on safety and soundness. Supervisor for bank holding companies; monetary policy; payment systems.
Consumer Financial Protection Bureau Focus on protecting consumers in the financial products and services markets. Authority to write rules, examine institutions and enforcement. No prudential mandate.
U.S. Securities and Exchange Commission Regulates securities exchanges; mutual funds and investment advisors. Examination authority for broker-dealers.
Consumer Lending Credit cards; student and auto loan
Alternative Investments Hedge funds; private equity
Office of Financial Research Office within Treasury, which may collect data from financial institutions on behalf of Council. No examination authority.
Commodity Futures Trading Commission Market oversight and enforcement functions.
Commercial Lending Commercial and industrial lending
Retail Banking Deposit products; mortgages and home equity
Broker-Dealer Institutional and retail brokerage; securities lending; prime broker services
Complexities of the Regulatory System
Regulatory Agencies
Financial Stability Oversight Council Identify risks to the financial stability of the United States from activities of large, interconnected financial companies. Authority to gather information from financial institutions. Make recommendations to the Fed and other primary financial regulatory agencies regarding heightened prudential standards.
Regulated Financial Activities
Payment and Clearing Systems Payments processing; custody and clearing
Investment Advisory Mutual and money market funds; wealth management: trust services
Office of the Comptroller of the Currency Focus on safety and soundness. Primary regulator of national banks and federal savings associations. Examination authority. Examines loan portfolio, liquidity, internal controls, risk management, audit, compliance, foreign branches.
Financial Industry Regulatory Authority Regulates brokerage firms and registered securities representatives. Writes and enforces rules. Examination authority over securities firms.
Federal Deposit Insurance Corporation Focus on protecting deposits through insurance fund; safety and soundness; manage bank receiverships.
Derivatives Futures, commodities and derivatives
Investment Banking Securities underwriting: M&A financial advisory services
Consumer Financial Protection Bureau Focus on protecting consumers in the financial products and services markets. Authority to write rules, examine institutions and enforcement. No prudential mandate.
Federal Reserve Focus on safety and soundness. Supervisor for bank holding companies; monetary policy; payment systems.
U.S. Securities and Exchange Commission Regulates securities exchanges; mutual funds and investment advisors. Examination authority for broker-dealers.
Consumer Lending Credit cards; student and auto loan
Alternative Investments Hedge funds; private equity
Office of Financial Research Office within Treasury, which may collect data from financial institutions on behalf of Council. No examination authority.
Commodity Futures Trading Commission Market oversight and enforcement functions.
Commercial Lending Commercial and industrial lending
Retail Banking Deposit products; mortgages and home equity
Broker-Dealer Institutional and retail brokerage; securities lending; prime broker services
Complexities of the Regulatory System
Regulatory Agencies
Financial Stability Oversight Council Identify risks to the financial stability of the United States from activities of large, interconnected financial companies. Authority to gather information from financial institutions. Make recommendations to the Fed and other primary financial regulatory agencies regarding heightened prudential standards.
Regulated Financial Activities
Payment and Clearing Systems Payments processing; custody and clearing
Investment Advisory Mutual and money market funds; wealth management: trust services
Office of the Comptroller of the Currency Focus on safety and soundness. Primary regulator of national banks and federal savings associations. Examination authority. Examines loan portfolio, liquidity, internal controls, risk management, audit, compliance, foreign branches.
Financial Industry Regulatory Authority Regulates brokerage firms and registered securities representatives. Writes and enforces rules. Examination authority over securities firms.
Federal Deposit Insurance Corporation Focus on protecting deposits through insurance fund; safety and soundness; manage bank receiverships.
Derivatives Futures, commodities and derivatives
Investment Banking Securities underwriting: M&A financial advisory services
Federal Reserve Focus on safety and soundness. Supervisor for bank holding companies; monetary policy; payment systems.
Consumer Financial Protection Bureau Focus on protecting consumers in the financial products and services markets. Authority to write rules, examine institutions and enforcement. No prudential mandate.
U.S. Securities and Exchange Commission Regulates securities exchanges; mutual funds and investment advisors. Examination authority for broker-dealers.
Consumer Lending Credit cards; student and auto loan
Alternative Investments Hedge funds; private equity
Office of Financial Research Office within Treasury, which may collect data from financial institutions on behalf of Council. No examination authority.
Commodity Futures Trading Commission Market oversight and enforcement functions.
Commercial Lending Commercial and industrial lending
Retail Banking Deposit products; mortgages and home equity
Broker-Dealer Institutional and retail brokerage; securities lending; prime broker services
Complexities of the Regulatory System
Regulatory Agencies
Financial Stability Oversight Council Identify risks to the financial stability of the United States from activities of large, interconnected financial companies. Authority to gather information from financial institutions. Make recommendations to the Fed and other primary financial regulatory agencies regarding heightened prudential standards.
Regulated Financial Activities
Payment and Clearing Systems Payments processing; custody and clearing
Investment Advisory Mutual and money market funds; wealth management: trust services
Office of the Comptroller of the Currency Focus on safety and soundness. Primary regulator of national banks and federal savings associations. Examination authority. Examines loan portfolio, liquidity, internal controls, risk management, audit, compliance, foreign branches.
Financial Industry Regulatory Authority Regulates brokerage firms and registered securities representatives. Writes and enforces rules. Examination authority over securities firms.
Federal Deposit Insurance Corporation Focus on protecting deposits through insurance fund; safety and soundness; manage bank receiverships.
Derivatives Futures, commodities and derivatives
Investment Banking Securities underwriting: M&A financial advisory services
Federal Reserve Focus on safety and soundness. Supervisor for bank holding companies; monetary policy; payment systems.
Consumer Financial Protection Bureau Focus on protecting consumers in the financial products and services markets. Authority to write rules, examine institutions and enforcement. No prudential mandate.
U.S. Securities and Exchange Commission Regulates securities exchanges; mutual funds and investment advisors. Examination authority for broker-dealers.
Consumer Lending Credit cards; student and auto loan
Alternative Investments Hedge funds; private equity
Office of Financial Research Office within Treasury, which may collect data from financial institutions on behalf of Council. No examination authority.
Commodity Futures Trading Commission Market oversight and enforcement functions.
Commercial Lending Commercial and industrial lending
Retail Banking Deposit products; mortgages and home equity
Broker-Dealer Institutional and retail brokerage; securities lending; prime broker services
Complexities of the Regulatory System
Regulatory Agencies
Financial Stability Oversight Council Identify risks to the financial stability of the United States from activities of large, interconnected financial companies. Authority to gather information from financial institutions. Make recommendations to the Fed and other primary financial regulatory agencies regarding heightened prudential standards.
Regulated Financial Activities
Payment and Clearing Systems Payments processing; custody and clearing
Investment Advisory Mutual and money market funds; wealth management: trust services
Office of the Comptroller of the Currency Focus on safety and soundness. Primary regulator of national banks and federal savings associations. Examination authority. Examines loan portfolio, liquidity, internal controls, risk management, audit, compliance, foreign branches.
Financial Industry Regulatory Authority Regulates brokerage firms and registered securities representatives. Writes and enforces rules. Examination authority over securities firms.
Federal Deposit Insurance Corporation Focus on protecting deposits through insurance fund; safety and soundness; manage bank receiverships.
Derivatives Futures, commodities and derivatives
Investment Banking Securities underwriting: M&A financial advisory services
Federal Reserve Focus on safety and soundness. Supervisor for bank holding companies; monetary policy; payment systems.
Consumer Financial Protection Bureau Focus on protecting consumers in the financial products and services markets. Authority to write rules, examine institutions and enforcement. No prudential mandate.
U.S. Securities and Exchange Commission Regulates securities exchanges; mutual funds and investment advisors. Examination authority for broker-dealers.
Consumer Lending Credit cards; student and auto loan
Alternative Investments Hedge funds; private equity
Office of Financial Research Office within Treasury, which may collect data from financial institutions on behalf of Council. No examination authority.
Commodity Futures Trading Commission Market oversight and enforcement functions.
Commercial Lending Commercial and industrial lending
Retail Banking Deposit products; mortgages and home equity
Broker-Dealer Institutional and retail brokerage; securities lending; prime broker services
Complexities of the Regulatory System
Regulatory Agencies
Financial Stability Oversight Council Identify risks to the financial stability of the United States from activities of large, interconnected financial companies. Authority to gather information from financial institutions. Make recommendations to the Fed and other primary financial regulatory agencies regarding heightened prudential standards.
Regulated Financial Activities
Payment and Clearing Systems Payments processing; custody and clearing
Investment Advisory Mutual and money market funds; wealth management: trust services
Office of the Comptroller of the Currency Focus on safety and soundness. Primary regulator of national banks and federal savings associations. Examination authority. Examines loan portfolio, liquidity, internal controls, risk management, audit, compliance, foreign branches.
Financial Industry Regulatory Authority Regulates brokerage firms and registered securities representatives. Writes and enforces rules. Examination authority over securities firms.
Federal Deposit Insurance Corporation Focus on protecting deposits through insurance fund; safety and soundness; manage bank receiverships.
Derivatives Futures, commodities and derivatives
Investment Banking Securities underwriting: M&A financial advisory services
Consumer Financial Protection Bureau Focus on protecting consumers in the financial products and services markets. Authority to write rules, examine institutions and enforcement. No prudential mandate.
Federal Reserve Focus on safety and soundness. Supervisor for bank holding companies; monetary policy; payment systems.
U.S. Securities and Exchange Commission Regulates securities exchanges; mutual funds and investment advisors. Examination authority for broker-dealers.
Consumer Lending Credit cards; student and auto loan
Alternative Investments Hedge funds; private equity
Office of Financial Research Office within Treasury, which may collect data from financial institutions on behalf of Council. No examination authority.
Commodity Futures Trading Commission Market oversight and enforcement functions.
Commercial Lending Commercial and industrial lending
Retail Banking Deposit products; mortgages and home equity
Broker-Dealer Institutional and retail brokerage; securities lending; prime broker services
Complexities of the Regulatory System
Regulatory Agencies
Financial Stability Oversight Council Identify risks to the financial stability of the United States from activities of large, interconnected financial companies. Authority to gather information from financial institutions. Make recommendations to the Fed and other primary financial regulatory agencies regarding heightened prudential standards.
Regulated Financial Activities
Payment and Clearing Systems Payments processing; custody and clearing
Investment Advisory Mutual and money market funds; wealth management: trust services
Office of the Comptroller of the Currency Focus on safety and soundness. Primary regulator of national banks and federal savings associations. Examination authority. Examines loan portfolio, liquidity, internal controls, risk management, audit, compliance, foreign branches.
Financial Industry Regulatory Authority Regulates brokerage firms and registered securities representatives. Writes and enforces rules. Examination authority over securities firms.
Federal Deposit Insurance Corporation Focus on protecting deposits through insurance fund; safety and soundness; manage bank receiverships.
Derivatives Futures, commodities and derivatives
Investment Banking Securities underwriting: M&A financial advisory services
Federal Reserve Focus on safety and soundness. Supervisor for bank holding companies; monetary policy; payment systems.
Consumer Financial Protection Bureau Focus on protecting consumers in the financial products and services markets. Authority to write rules, examine institutions and enforcement. No prudential mandate.
U.S. Securities and Exchange Commission Regulates securities exchanges; mutual funds and investment advisors. Examination authority for broker-dealers.
Consumer Lending Credit cards; student and auto loan
Alternative Investments Hedge funds; private equity
Office of Financial Research Office within Treasury, which may collect data from financial institutions on behalf of Council. No examination authority.
Commodity Futures Trading Commission Market oversight and enforcement functions.
Commercial Lending Commercial and industrial lending
Retail Banking Deposit products; mortgages and home equity
Broker-Dealer Institutional and retail brokerage; securities lending; prime broker services
Complexities of the Regulatory System
Regulatory Agencies
Financial Stability Oversight Council Identify risks to the financial stability of the United States from activities of large, interconnected financial companies. Authority to gather information from financial institutions. Make recommendations to the Fed and other primary financial regulatory agencies regarding heightened prudential standards.
Regulated Financial Activities
Payment and Clearing Systems Payments processing; custody and clearing
Investment Advisory Mutual and money market funds; wealth management: trust services
Office of the Comptroller of the Currency Focus on safety and soundness. Primary regulator of national banks and federal savings associations. Examination authority. Examines loan portfolio, liquidity, internal controls, risk management, audit, compliance, foreign branches.
Financial Industry Regulatory Authority Regulates brokerage firms and registered securities representatives. Writes and enforces rules. Examination authority over securities firms.
Federal Deposit Insurance Corporation Focus on protecting deposits through insurance fund; safety and soundness; manage bank receiverships.
Derivatives Futures, commodities and derivatives
Investment Banking Securities underwriting: M&A financial advisory services
Consumer Financial Protection Bureau Focus on protecting consumers in the financial products and services markets. Authority to write rules, examine institutions and enforcement. No prudential mandate.
Federal Reserve Focus on safety and soundness. Supervisor for bank holding companies; monetary policy; payment systems.
U.S. Securities and Exchange Commission Regulates securities exchanges; mutual funds and investment advisors. Examination authority for broker-dealers.
Consumer Lending Credit cards; student and auto loan
Alternative Investments Hedge funds; private equity
Office of Financial Research Office within Treasury, which may collect data from financial institutions on behalf of Council. No examination authority.
Commodity Futures Trading Commission Market oversight and enforcement functions.
Commercial Lending Commercial and industrial lending
Retail Banking Deposit products; mortgages and home equity
Broker-Dealer Institutional and retail brokerage; securities lending; prime broker services
Complexities of the Regulatory System
Regulatory Agencies
Financial Stability Oversight Council Identify risks to the financial stability of the United States from activities of large, interconnected financial companies. Authority to gather information from financial institutions. Make recommendations to the Fed and other primary financial regulatory agencies regarding heightened prudential standards.
Regulated Financial Activities
Payment and Clearing Systems Payments processing; custody and clearing
Investment Advisory Mutual and money market funds; wealth management: trust services
Office of the Comptroller of the Currency Focus on safety and soundness. Primary regulator of national banks and federal savings associations. Examination authority. Examines loan portfolio, liquidity, internal controls, risk management, audit, compliance, foreign branches.
Financial Industry Regulatory Authority Regulates brokerage firms and registered securities representatives. Writes and enforces rules. Examination authority over securities firms.
Federal Deposit Insurance Corporation Focus on protecting deposits through insurance fund; safety and soundness; manage bank receiverships.
Derivatives Futures, commodities and derivatives
Investment Banking Securities underwriting: M&A financial advisory services
Federal Reserve Focus on safety and soundness. Supervisor for bank holding companies; monetary policy; payment systems.
Consumer Financial Protection Bureau Focus on protecting consumers in the financial products and services markets. Authority to write rules, examine institutions and enforcement. No prudential mandate.
U.S. Securities and Exchange Commission Regulates securities exchanges; mutual funds and investment advisors. Examination authority for broker-dealers.
Consumer Lending Credit cards; student and auto loan
Alternative Investments Hedge funds; private equity
Office of Financial Research Office within Treasury, which may collect data from financial institutions on behalf of Council. No examination authority.
Commodity Futures Trading Commission Market oversight and enforcement functions.
Commercial Lending Commercial and industrial lending
Retail Banking Deposit products; mortgages and home equity
Broker-Dealer Institutional and retail brokerage; securities lending; prime broker services
Complexities of the Regulatory System
Regulatory Agencies
Financial Stability Oversight Council Identify risks to the financial stability of the United States from activities of large, interconnected financial companies. Authority to gather information from financial institutions. Make recommendations to the Fed and other primary financial regulatory agencies regarding heightened prudential standards.
Regulated Financial Activities
Payment and Clearing Systems Payments processing; custody and clearing
Investment Advisory Mutual and money market funds; wealth management: trust services
Office of the Comptroller of the Currency Focus on safety and soundness. Primary regulator of national banks and federal savings associations. Examination authority. Examines loan portfolio, liquidity, internal controls, risk management, audit, compliance, foreign branches.
Financial Industry Regulatory Authority Regulates brokerage firms and registered securities representatives. Writes and enforces rules. Examination authority over securities firms.
Federal Deposit Insurance Corporation Focus on protecting deposits through insurance fund; safety and soundness; manage bank receiverships.
Derivatives Futures, commodities and derivatives
Investment Banking Securities underwriting: M&A financial advisory services
Federal Reserve Focus on safety and soundness. Supervisor for bank holding companies; monetary policy; payment systems.
Consumer Financial Protection Bureau Focus on protecting consumers in the financial products and services markets. Authority to write rules, examine institutions and enforcement. No prudential mandate.
U.S. Securities and Exchange Commission Regulates securities exchanges; mutual funds and investment advisors. Examination authority for broker-dealers.
Consumer Lending Credit cards; student and auto loan
Alternative Investments Hedge funds; private equity
Office of Financial Research Office within Treasury, which may collect data from financial institutions on behalf of Council. No examination authority.
Commodity Futures Trading Commission Market oversight and enforcement functions.
Commercial Lending Commercial and industrial lending
Retail Banking Deposit products; mortgages and home equity
Broker-Dealer Institutional and retail brokerage; securities lending; prime broker services
Complexities of the Regulatory System
Regulatory Agencies
Financial Stability Oversight Council Identify risks to the financial stability of the United States from activities of large, interconnected financial companies. Authority to gather information from financial institutions. Make recommendations to the Fed and other primary financial regulatory agencies regarding heightened prudential standards.
Regulated Financial Activities
Payment and Clearing Systems Payments processing; custody and clearing
Investment Advisory Mutual and money market funds; wealth management: trust services
Investment Advisory Mutual and money market funds; wealth management: trust services
Office of the Comptroller of the Currency Focus on safety and soundness. Primary regulator of national banks and federal savings associations. Examination authority. Examines loan portfolio, liquidity, internal controls, risk management, audit, compliance, foreign branches.
Financial Industry Regulatory Authority Regulates brokerage firms and registered securities representatives. Writes and enforces rules. Examination authority over securities firms.
Federal Deposit Insurance Corporation Focus on protecting deposits through insurance fund; safety and soundness; manage bank receiverships.
Derivatives Futures, commodities and derivatives
Derivatives Futures, commodities and derivatives
Investment Banking Securities underwriting: M&A financial advisory services
Federal Reserve Focus on safety and soundness. Supervisor for bank holding companies; monetary policy; payment systems.
Consumer Financial Protection Bureau Focus on protecting consumers in the financial products and services markets. Authority to write rules, examine institutions and enforcement. No prudential mandate.
U.S. Securities and Exchange Commission Regulates securities exchanges; mutual funds and investment advisors. Examination authority for broker-dealers.
Consumer Lending Credit cards; student and auto loan
Alternative Investments Hedge funds; private equity
Consumer Lending Credit cards; student and auto loan
Alternative Investments Hedge funds; private equity
Office of Financial Research Office within Treasury, which may collect data from financial institutions on behalf of Council. No examination authority.
Commodity Futures Trading Commission Market oversight and enforcement functions.
Commercial Lending Commercial and industrial lending
Commercial Lending Commercial and industrial lending
Retail Banking Deposit products; mortgages and home equity
Retail Banking Deposit products; mortgages and home equity
Broker-Dealer Institutional and retail brokerage; securities lending; prime broker services
Broker-Dealer Institutional and retail brokerage; securities lending; prime broker services
Complexities of the Regulatory System
Regulatory Agencies
Financial Stability Oversight Council Identify risks to the financial stability of the United States from activities of large, interconnected financial companies. Authority to gather information from financial institutions. Make recommendations to the Fed and other primary financial regulatory agencies regarding heightened prudential standards.
Regulated Financial Activities
Payment and Clearing Systems Payments processing; custody and clearing
Investment Advisory Mutual and money market funds; wealth management: trust services
Office of the Comptroller of the Currency Focus on safety and soundness. Primary regulator of national banks and federal savings associations. Examination authority. Examines loan portfolio, liquidity, internal controls, risk management, audit, compliance, foreign branches.
Financial Industry Regulatory Authority Regulates brokerage firms and registered securities representatives. Writes and enforces rules. Examination authority over securities firms.
Federal Deposit Insurance Corporation Focus on protecting deposits through insurance fund; safety and soundness; manage bank receiverships.
Derivatives Futures, commodities and derivatives
Investment Banking Securities underwriting: M&A financial advisory services
Federal Reserve Focus on safety and soundness. Supervisor for bank holding companies; monetary policy; payment systems.
Consumer Financial Protection Bureau Focus on protecting consumers in the financial products and services markets. Authority to write rules, examine institutions and enforcement. No prudential mandate.
U.S. Securities and Exchange Commission Regulates securities exchanges; mutual funds and investment advisors. Examination authority for broker-dealers.
Consumer Lending Credit cards; student and auto loan
Alternative Investments Hedge funds; private equity
Office of Financial Research Office within Treasury, which may collect data from financial institutions on behalf of Council. No examination authority.
Commodity Futures Trading Commission Market oversight and enforcement functions.
Commercial Lending Commercial and industrial lending
Retail Banking Deposit products; mortgages and home equity
Broker-Dealer Institutional and retail brokerage; securities lending; prime broker services
Complexities of the Regulatory System
Regulatory Agencies
Financial Stability Oversight Council Identify risks to the financial stability of the United States from activities of large, interconnected financial companies. Authority to gather information from financial institutions. Make recommendations to the Fed and other primary financial regulatory agencies regarding heightened prudential standards.
Regulated Financial Activities
Payment and Clearing Systems Payments processing; custody and clearing
Investment Advisory Mutual and money market funds; wealth management: trust services
Office of the Comptroller of the Currency Focus on safety and soundness. Primary regulator of national banks and federal savings associations. Examination authority. Examines loan portfolio, liquidity, internal controls, risk management, audit, compliance, foreign branches.
Financial Industry Regulatory Authority Regulates brokerage firms and registered securities representatives. Writes and enforces rules. Examination authority over securities firms.
Federal Deposit Insurance Corporation Focus on protecting deposits through insurance fund; safety and soundness; manage bank receiverships.
Derivatives Futures, commodities and derivatives
Investment Banking Securities underwriting: M&A financial advisory services
Federal Reserve Focus on safety and soundness. Supervisor for bank holding companies; monetary policy; payment systems.
Consumer Financial Protection Bureau Focus on protecting consumers in the financial products and services markets. Authority to write rules, examine institutions and enforcement. No prudential mandate.
U.S. Securities and Exchange Commission Regulates securities exchanges; mutual funds and investment advisors. Examination authority for broker-dealers.
Consumer Lending Credit cards; student and auto loan
Alternative Investments Hedge funds; private equity
Office of Financial Research Office within Treasury, which may collect data from financial institutions on behalf of Council. No examination authority.
Commodity Futures Trading Commission Market oversight and enforcement functions.
Commercial Lending Commercial and industrial lending
Retail Banking Deposit products; mortgages and home equity
Broker-Dealer Institutional and retail brokerage; securities lending; prime broker services
Complexities of the Regulatory System
Regulatory Agencies
Financial Stability Oversight Council Identify risks to the financial stability of the United States from activities of large, interconnected financial companies. Authority to gather information from financial institutions. Make recommendations to the Fed and other primary financial regulatory agencies regarding heightened prudential standards.
Regulated Financial Activities
Payment and Clearing Systems Payments processing; custody and clearing
Investment Advisory Mutual and money market funds; wealth management: trust services
Office of the Comptroller of the Currency Focus on safety and soundness. Primary regulator of national banks and federal savings associations. Examination authority. Examines loan portfolio, liquidity, internal controls, risk management, audit, compliance, foreign branches.
Financial Industry Regulatory Authority Regulates brokerage firms and registered securities representatives. Writes and enforces rules. Examination authority over securities firms.
Federal Deposit Insurance Corporation Focus on protecting deposits through insurance fund; safety and soundness; manage bank receiverships.
Derivatives Futures, commodities and derivatives
Investment Banking Securities underwriting: M&A financial advisory services
Consumer Financial Protection Bureau Focus on protecting consumers in the financial products and services markets. Authority to write rules, examine institutions and enforcement. No prudential mandate.
Federal Reserve Focus on safety and soundness. Supervisor for bank holding companies; monetary policy; payment systems.
U.S. Securities and Exchange Commission Regulates securities exchanges; mutual funds and investment advisors. Examination authority for broker-dealers.
Consumer Lending Credit cards; student and auto loan
Alternative Investments Hedge funds; private equity
Office of Financial Research Office within Treasury, which may collect data from financial institutions on behalf of Council. No examination authority.
Commodity Futures Trading Commission Market oversight and enforcement functions.
Commercial Lending Commercial and industrial lending
Retail Banking Deposit products; mortgages and home equity
Broker-Dealer Institutional and retail brokerage; securities lending; prime broker services