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 personal loan rate is 10.94%, according to Bankrate's most recent weekly national survey of banks and thrifts. With good credit, you can find a personal loan with an interest rate in the single digits. The average credit card rate is a variable 16.05%.