GAO was asked to review certain effects of Regulation D. This report's objectives include examining depository institutions' implementation of Regulation D's requirements, the effect of the transaction limit on their customers, and central banks' varying dependence on reserve requirements and the monetary policy implications.
1 Average Mortgage Payments in Florida is approximately $1,200 vs. $1,050 for average Rent Payments.  The Average Rate on a 30 Year Fixed Rate Mortgage is 3.67%. This is the lowest average rate in 60 years.
The average mortgage interest rate. As I mentioned, the average 30-year fixed-rate mortgage rate is 3.73% as of this writing. This is a good representation of the U.S. population -- after all, about 80% of mortgages originated in 2016 are 30-year fixed-rate loans.