"a. The Federal Reserve has 14 regional banks. The Board of Governors has 12 members who serve 7-year terms. b. The Federal Reserve has 14 regional banks. The Board of Governors has 7 members who serve 14-year terms. c. The Federal Reserve has 12 regional banks. The Board of Governors has 12 members who serve 7-year terms. d. The Federal Reserve has 12 regional banks. The Board of Governors has 7 members who serve 14-year terms."

The correct statement is D.

The Federal Reserve has 12 regional banks. The Board of Governors has 7 members who serve 14-year terms

Explanation: The Federal Reserve is the central banking system of the United States of America. It was created on December 23, 1913 with the enactment of the Federal Reserve Act, after a series of financial incidents led to the desire for central control of the monetary system in order to mitigate financial crises.Over the years, certain financial crises have led to the expansion of the roles and responsibilities of the Federal Reserve System.

The board is made up of seven members and It is charged with the overseeing of the 12 District Reserve Banks, setting national monetary policy as well as supervising and regulating the U.S. banking system. Governors of the board are appointed by the President of the United States and confirmed by the Senate for staggered 14-year terms of 2years each, which upon serving a full term cannot be reappointed for a second term.

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