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agency agreement amount assets automated automated clearing house automated teller machine bank card bank holding companies bank's bills borrower borrower's buyer called capital certificate of deposit charge collateral collateralized mortgage obligation commercial banks consumer contract corporate cost credit card creditors currency dealer debt deposit account deposit insurance depository discount dollar draft earnings electronic equity example Federal Reserve Bank financial institutions futures futures contract holder income instrument interbank interest rate interest rate swap investment investors issued issuer lender lending liabilities lien maturity ment monetary unit money market mortgage loans mortgage-backed mortgage-backed securities mutual fund negotiable obligation offered option paid payable period purchase ratio real estate repayment repurchase agreement risk savings account savings and loan securities sell seller short-term statement swap term trading transaction transfer trust U.S. dollar U.S. Treasury U.S. Treasury Department underwriting yield