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by IntFee588 1313 days ago
Reserve requirements as of 2020: https://www.federalreserve.gov/monetarypolicy/reservereq.htm

Remember, the balance in your account is nothing more than the bank's record of its liability to you.

3 comments

This is effectively a meme for bank-haters now. A scare factoid.

Firstly, it's not the whole picture - https://www.federalreserve.gov/supervisionreg/large-bank-cap...

Secondly, if you dig a little deeper into the page you linked, you'll see it's because the system has changed around the banks and those specific requirements (to keep an account centrally, with the federal reserve, for a certain amount) are no longer considered useful.

I don't consider myself an expert on this, but waving this link around as if it means something, absent any context, is not particularly informative.

0%

Ahahah it’s over

Irrelevant as long as FDIC exists.