【正确答案】 B

【答案解析】根据第三段第一句“The U．S．banking system's regulatory apparatus is complex；the authority of the Federal Reserve is shared in some instances for example，in mergers or the examination of banks with other federal agencies such as the Comptroller of the Currency and the Federal Deposit Insurance Corporation(FDIC)和第二段第一句“The Federal Reserve's basic powers are concentrated in the Board of Governors，which is paramount in all policy issue concerning bank regulation and supervision and in most aspects of monetary and banking matters”，就可推断出[B]为正确选项。[A]项叙述过于绝对；[C]项与第三段第一句内容正好相反；[D]中内容在文章中未被提到。