Answer:
The correct answer is: Nonbank Banks .
Explanation:
Nonbank Banks are financial institutions that do not offer deposits but provide other types of services such as mortgages or credit cards. Most of them are considered predatory institutions due to high-interest rates but are helpful for individuals whose credit report is not well-rated.
These institutions are insured by the Federal Deposit Insurance Corporation (FDIC) and are subject to reserve requirements just like commercial banks.
