9. The Federal Reserve Banks are_______institutions since they are owned by the _______.

1.A major controversy involving the banking industry in its early years was

A
bank failure is less likely to occur when

Competition between banks

The
subprime financial crisis showed the need for increased financial
regulation, however, too much or poorly designed regulation could

The
evidence from banking crises in other countries indicates that

An important factor in producing the subprime mortgage crisis was

Regulations
designed to provide information to the marketplace so that investors
can make informed decisions are called

The
chartering process is especially designed to deal with
the_______ problem, and regular bank examinations help to reduce
the________ problem.

The
result of the too-big-to-fail policy is that banks will take
on risks, making bank failures more likely.

Deposit
insurance has not worked well in countries with