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.
Consumer and Community Affairs Financial Stability International Finance Monetary Affairs Office of Board Members Research and Statistics Reserve Bank Operations and Payment Systems Supervision and Regulation The Division of  exercises and oversees the Boardâs supervisory and regulatory authority over a variety of financial institutions and activities with the goal of promoting a safe, sound, and stable financial system that supports the growth and stability of the U.S. economy.