The Dodd-Frank Act commanded the Federal Reserve to closely oversee large banks, financial institutions, and insurance companies in the United States. Annual stress tests confirm that these companies are ready to handle future financial downturns and crises. Conjectural scenarios evaluate the results that different financial upsets may have on their strength. If it is shown that a company does not have adequate capital in reserve to overcome certain scenarios, the Fed can take various actions to safeguard the bank if a crisis occurs.