The Federal Reserve monitors risks to the financial system and works, usually with agencies at home and abroad, to help ensure the system supports a healthy economy for U.S. households, communities, and businesses.
A financial system is considered stable when its markets and institutions—including banks, savings and loans, and other financial product and service providers—are resilient and able to function even following a bad shock. This means that households, communities, and businesses can count on having the resources, services, and products they need to invest, grow, and participate in a well-functioning economy. These resources and services include:
• a range of options to finance investment and large purchases, including business lines of credit, mortgages, and student loans, among others;
• an array of choices in how to manage assets, including savings accounts, brokerage services, mutual funds, and retirement accounts, among many others; and,
• an efficient, effective, and safe U.S. payment and settlement system.