Ultimately, Insolvency Risk is the risk that office machinery breaks down total asset value falls below total liability value human resource costs increase in a tight labor market borrowers do not pay off lenders in a timely fashion the FI cannot find buyers for its assets at any price Overall, are the most active participants in the federal funds market. Securities firms Savings banks Investment banks Credit unions Commercial banks A short-term debt instrument issued only by well-known, creditworthy firms and normally issued to provide liquidity or finance a firm's inventory and/or accounts receivable is A repurchase agreement A banker's acceptance Factored receivable A Commercial Line of Credit Commercial paper