a change in interest rates is a result of influence by the\n○ savings banks.\n○ credit unions.\n○ internal…

a change in interest rates is a result of influence by the\n○ savings banks.\n○ credit unions.\n○ internal revenue service (irs).\n○ federal reserve system (fed).

a change in interest rates is a result of influence by the\n○ savings banks.\n○ credit unions.\n○ internal revenue service (irs).\n○ federal reserve system (fed).

Answer

Answer:

Federal Reserve System (Fed).

Brief Explanations:

The Fed can influence interest - rates through monetary policy tools like open - market operations, setting reserve requirements, and discount rates. Savings banks and credit unions follow market rates influenced by the Fed. The IRS is related to taxation, not interest - rate setting.