374464
This is done by splitting each transaction account into a checking subaccount ( which carries a reserve requirement ) and a savings subaccount ( which does not carry a reserve requirement ) , a process allowed by the Federal Reserve Bank in 1993 .
 Federal Reserve
Please list all entity words in the text that fit the category. Output format is "word1, word2". 
Option: location, person, organization 
Text: {0} 
Answer:
 Federal Reserve