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Although all Reserve Banks have the legal authority to conduct open-market operations, in practice only the Reserve Bank of New York does so. It manages the System Open Market Account (SOMA), a portfolio of government-issued or government-guaranteed securities that is shared among all of the Reserve Banks. [13]
Today's best rates of returns are found at FDIC-insured digital banks and online accounts paying out up to 4.27% APY with low or no minimums at NexBank, Synchrony and other trusted providers as of ...
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