The banking industry is a highly regulated industry that provides financial services to individuals, businesses, and governments. Banks offer a variety of services, including checking and savings accounts, loans, mortgages, credit cards, and investment products. Banks also provide services such as foreign exchange, wealth management, and insurance. Banks are subject to a variety of regulations, including those from the Federal Reserve, the FDIC, and other government agencies. Banks are also subject to market forces, such as competition and interest rates.