Free banking vs regulated banking. Central banking

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Across
  1. 4. (3 words)used mainly to describe the stimulation of the economy just prior to an election in order to improve prospects of the incumbent government getting reelected
  2. 6. (2 words)form of government regulation which subjects banks to certain requirements, restrictions and guidelines
  3. 7. (2 words)government-issued currency that is not backed by a physical commodity, such as gold or silver, but rather by the government that issued it
  4. 8. (3 words)the purchase and sale of securities in the open market by a central bank
  5. 10. (3 words) rate at which commercial banks borrow and lend their excess reserves to each other overnight
  6. 12. (3 words)a characteristic of a central bank that describes the extent to which it is free from direct political or government influence in the conduct of monetary policy
  7. 15. (word-word)a model of combined or integrated supervision over the financial sector, main type of institutional structure of the financial regulation, which competence includes the market of securities and banking sector and insurance
  8. 16. (2 words)banks' inability to pay their debts
  9. 18. (2 words)a document that certifies that a bank has met all the legal requirements when it comes to protecting its customers’ money and data
  10. 19. (3 words)the central bank of the United States
  11. 20. (2 words)regulatory guidelines and monitors for possible deviations from regulatory standards
  12. 21. (word+of+word+of the+word+word+word) the main governing body of the Federal Reserve System
Down
  1. 1. (word+of+word+word) occurs when central banks raise the federal funds rate
  2. 2. (abbreviation)the policymaking body of the Federal Reserve System
  3. 3. (2 words)ability of the central bank to set monetary policy instruments
  4. 5. (3 words)n which banking, securities, and insurance regulation is combined within a single agency
  5. 9. (2 words)monetary arrangement where banks are free to issue their own paper currency
  6. 11. (2 words)occurs when authorities determine that a failing bank cannot go through normal insolvency proceedings without harming public interest and causing financial instability
  7. 13. (word+of+word+word)policy in which a central bank lowers interest rates and deposit ratios to make credit more easily available
  8. 14. (2 words)ability of the central bank to set the goals of monetary policy
  9. 17. (2 words)closing of an insolvent bank by a federal or state regulator