During President Roosevelt's term in office, he introduced various New Deal agencies and programs. Two of these were the Federal Deposit Insurance Corporation (FDIC) and the Securities and Exchange Commission (SEC). The FDIC protects up to $250,000 of individuals' bank deposits in the event a bank fails. The SEC monitors Wall Street to ensure fair and ethical practices for investors.

In one paragraph, describe how the FDIC and SEC continue to affect the lives of US citizens. Use at least two examples to support your description.