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The Federal Reserve Board (Fed) and its banks, including the Federal Reserve Bank of New York, has been with us since 1913. While a number of the things that it does and its responsibilities have changed over the years, one thing has not: its respected status both here and abroad as a world-class safety and soundness (S&S) regulator. It is without a doubt more respected than any other U.S. or foreign safety and soundness regulator. Although the United Kingdom’s Financial Services Authority (FSA) had its moment in the sun, it has been significantly tarnished by the current financial services crisis.

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