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Banking and Finance

TermDefinition
CAMELS (Capital adequacy, Asset adequacy, Management, Earnings, Liquidity, and Sensitivity to risk) six criteria of safety and soundness used to evaluate banks
Central banks government banks that regulate and manage money supply
Commercial bank most common form of government-backed corporate bank
Depositors people who put money into the bank
Depository intermediary holds funds for the public and uses the funds to finance their business
Deregulation the loosening of government control
Discount rate the interest rate charged to banks by the Federal Reserve
District reserve bank regional bank of Federal Reserve System
Federal Deposit Insurance Corporation (FDIC) agency that guarantees bank deposits
Financial intermediary a private company that does not receive deposits but sells financial services
Great Depression the worst and longest economic crisis in Western industrialized nations, from 1929 until about 193
Inflation a collective rise in money supply, incomes, and prices
Medium of exchange an agreed-upon system for measuring value of goods and services
Member bank national or state bank that is part of the Federal Reserve System
Non-depository intermediary a private company that does not receive deposits but sells financial services
Retail bank constitution developed to help individuals who are not served by commercial banks
Regulation C institution developed to help individuals who are not served by commercial banks
Regulation D a Securities and Exchange Commission (SEC) regulation governing private placement exemptions. Reg D allows usually smaller companies to raise capital through the sale of equity or debt securities without having to register their securities with the SE
Regulation DD a regulation set forth by the Federal Reserve. Regulation DD was enacted to implement the Truth in Savings Act that was passed in 1991. This act requires lenders to provide certain uniform information about fees and interest when opening an account for
Stagflation a combination of a stagnate economy and high inflation
Bank run circumstance when many depositors withdraw money from their bank all at once
Created by: Mrs. Miller Business on 2013-08-29



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