<P> While the OI, SA, and SB categories are not members of the system, they are sometimes treated as if they were members under certain circumstances . </P> <P> A list of all member banks can be found at the website of the Federal Deposit Insurance Corporation (FDIC). Most commercial banks in the United States are not members of the Federal Reserve System, but the total value of all the banking assets of member banks is substantially larger than the total value of the banking assets of nonmembers . </P> <P> The Federal Reserve System uses advisory committees in carrying out its varied responsibilities . Three of these committees advise the Board of Governors directly: </P> <Ul> <Li> Federal Advisory Council </Li> <Li> Consumer Advisory Council </Li> <Li> Thrift Institutions Advisory Council </Li> </Ul>

Banks subject to reserve requirements set by the federal reserve system include