10. who owns the federal reserve system?
the federal government
member banks
all commercial banks in the country
all banks in the country
12. why are the board of governors of the federal reserve appointed for staggered fourteen-year terms?
to grant the executive office of the president more control over the board of governors
to offer board members enough time to become experts in monetary policy
to ensure that board members represent the concerns of their districts
to protect board members from political pressures

 Member banks

               To protect board members from political pressures

Explanation:  Federal Reserve Bank was established by the Congress, meaning it is not owned by the Federal Government or any other government, so this bank is owned by bank members. Over the years, the influence of the bank's role has expanded.

The Board of Governors consists of seven Governors and their mandate lasts 14 years, staggered terms, in order to ensure stability and continuity. The Board finances its operations by assessing the Federal Reserve Banks, rather than through Congressional appropriation.

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