5. Which regulatory agency has the primary responsibility for supervising the following categories of commercial banks? A. National banks Office of the Comptroller of the Currency b. Bank holding companies The Federal Reserve c. Non-Federal Reserve state banks State banking authorities and the FDIC d. Federal Reserve member state banks The Federal Reserve 6. If the bank at which you keep your checking account is owned by Saudi Arabians, should you worry that your deposits are less save than if the bank were owned by Americans?