Banking in the United States is regulated by both the federal and state governments.
The five largest banks in the United States at December 31, 2011 were JPMorgan Chase, Bank of America, Citigroup, Wells Fargo, and Goldman Sachs. In December 2011, the five largest banks’ assets were equal to 56 percent of the U.S. economy, compared with 43 percent five years earlier.
| Banking in the United States | |
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Monetary policy |
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Regulation |
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Lending |
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Deposit accounts |
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Deposit account insurance |
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Electronic funds transfer (EFT) |
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Check Clearing System |
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Types of bank charter |
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Read more about Banking In The United States: Regulatory Agencies, Active Banks of The United States, Bank Mergers and Closures, Antebellum History, Surging Demand For Capital in The Gilded Age, Early 20th Century, New Deal-era Reforms, Bretton Woods System, Automated Teller Machines, Nixon Shock, Deregulation of The 1980s and 1990s, Repeal of The Glass-Steagall Act, Late-2000s Financial Crisis
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“... it is probable that in a fit of generosity the men of the United States would have enfranchised its women en masse; and the government now staggering under the ballots of ignorant, irresponsible men, must have gone down under the additional burden of the votes which would have been thrown upon it, by millions of ignorant, irresponsible women.”
—Jane Grey Swisshelm (1815–1884)
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—Mary Church Terrell (1863–1954)
“One of the reforms to be carried out during the incoming administration is a change in our monetary and banking laws, so as to secure greater elasticity in the forms of currency available for trade and to prevent the limitations of law from operating to increase the embarrassment of a financial panic.”
—William Howard Taft (1857–1930)
“What lies behind facts like these: that so recently one could not have said Scott was not perfect without earning at least sorrowful disapproval; that a year after the Gang of Four were perfect, they were villains; that in the fifties in the United States a nothing-man called McCarthy was able to intimidate and terrorise sane and sensible people, but that in the sixties young people summoned before similar committees simply laughed.”
—Doris Lessing (b. 1919)