banking.foundation / Regulation / United States
Jurisdiction · USD · Federal Reserve
United States
The world's largest banking market and issuer of the dominant global reserve currency, with a fragmented dual federal-state regulatory structure. Home to the largest global banks and capital markets.
- Currency
- USD
- Central bank
- Federal Reserve
- Key regulators
- Federal Reserve · OCC · FDIC · CFPB
- Deposit insurance
- FDIC, $250,000 per depositor per bank
- Open banking regime
- Market-driven; CFPB Section 1033 rule in flux
- Instant payments
- FedNow / RTP
- Primary source
- www.federalreserve.gov (central bank)
Regulators
Covered banks — United States
| Bank | Type | Regulator | Assets ≈ |
|---|---|---|---|
| JPMorgan ChaseNew York City | Commercial | Federal Reserve / OCC | $4.0tn |
| Bank of AmericaCharlotte | Commercial | Federal Reserve / OCC | $3.3tn |
| CitigroupNew York City | Commercial | Federal Reserve / OCC | $2.4tn |
| Goldman SachsNew York City | Investment | Federal Reserve | $1.6tn |
| Morgan StanleyNew York City | Investment | Federal Reserve | $1.2tn |
| Federal Reserve SystemWashington, D.C. | Central | U.S. Congress (oversight) | — |
Approximate reference data from public sources · seed-0.1 · 2026-08-28 · not real-time, not advice. See data & methodology.
# this page as data
GET https://banking.foundation/api/v1/countries/united-states