The federal reserve directly affects the ability of banks to
a.
create accounts
b.
certify checks
c.
approve loans
d.
attract customers

The Federal Reserve directly affects the ability of banks to approve loans. The correct option among all the options that are given in the question is the third option or option "C". The amount of interest rate charged by the banks depends on the interest rate approved by the Federal Reserve. Lowering of interest rates are going to be attractive for customers.

The answer is installation.