<Li> Check 21 Act </Li> <Tr> <Th> Electronic funds transfer (EFT) </Th> </Tr> <Tr> <Td> <Ul> <Li> ATM card </Li> <Li> Debit card </Li> <Li> Wire transfer </Li> <Li> Substitute check </Li> </Ul> <Ul> <Li> Automated Clearing House (ACH) </Li> <Li> Bill payment </Li> </Ul> </Td> </Tr> <Ul> <Li> ATM card </Li> <Li> Debit card </Li> <Li> Wire transfer </Li> <Li> Substitute check </Li> </Ul>

Who runs the federal reserve system describe the organizational structure of the fed