The Federal<span> Reserve does </span>not<span> supervise or regulate </span>credit unions<span>. Federally chartered </span>credit unions<span> are regulated by the National </span>Credit Union<span> Administration, while state-chartered </span>credit unions<span> are regulated at the state level. The Fed is one of several banking regulatory agencies at the </span>federal<span> level.</span>
This changed the way cities are because cities are usually built to accommodate highways and roads. Built in and around highways have changed the main structure of present-day cities.