The heart has two upper and two lower chambers. The upper chambers, the right and left atria, receive incoming blood.The lower chambers, the more muscular right and left ventricles, pump blood out of your heart. The heart valves, which keep blood flowing in the right direction, are gates at the chamber openings.he heart has two upper and two lower chambers. The upper chambers, the right and left atria, receive incoming blood.
If the bank is a California state-chartered bank, it is licensed by the California DBO and the Federal Deposit Insurance Corporation (FDIC). A California state-chartered bank may also be a member of the Federal Reserve Bank. DBO licenses and regulates: state-chartered banks. state-chartered credit unions.
Several federal and state authorities regulate banks along with the Federal Reserve. The Office of the Comptroller of the Currency (OCC), the Federal Deposit Insurance Corporation (FDIC), the Office of Thrift Supervision (OTS) and the banking departments of various states also regulate financial institutions. The OCC charters, regulates and supervises nationally chartered banks.