Which of the following best describes the Federal Reserve?

A. The Federal Reserve is a branch of the United States government that provides banking services to every state in America.

B. The Federal Reserve is a board created by Congress that distributes money to U.S. banks to provide loans for American consumers.

C. The Federal Reserve is a network of fifty banks from each state that provides financial services to the American citizens.

D. The Federal Reserve is the central bank of the United States, created to provide the nation with a safe, flexible financial system.