A regulatory agency that makes sure banks follow federal laws is the FDIC. the FDA the SEC. the EPA.

## Step 1<br />The question is asking which regulatory agency ensures that banks adhere to federal laws. The options provided are the FDIC (Federal Deposit Insurance Corporation), the FDA (Food and Drug Administration), the SEC (Securities and Exchange Commission), and the EPA (Environmental Protection Agency).<br />## Step 2<br />The FDIC is an independent agency of the United States government that protects the federal funds deposit insurance, which is a deposit insurance that guarantees the safety of depositor's accounts in member banks up to $250,000.<br />## Step 3<br />The FDA is responsible for protecting public health by ensuring the safety, efficacy, and security of human and veterinary drugs, biological products, and medical devices.<br />## Step 4<br />The SEC is responsible for enforcing the law against market manipulation. It regulates the stock market and protects investors.<br />## Step 5<br />The EPA is responsible for protecting human health and the environment by writing and enforcing regulations based on laws passed by Congress.<br />## Step 6<br />Among these options, the FDIC is the one that regulates banks.