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What are the Miranda rights? What exceptions have been allowed to these rights?
Reserve Requirement
The minimum percentage of customer deposits and notes that a bank must hold as reserves rather than lending out, as mandated by the central bank.
Demand Deposits
Bank accounts from which deposited funds can be withdrawn at any time without any notice to the institution, typically through writing checks.
Excess Reserves
The reserves held by banks in excess of what is required by regulations, which can be loaned out to generate additional income.
Required Reserves
The portion of depositors' balances that banks must have on hand as cash or as deposits with the central bank, mandated by the regulatory body.
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