The federal reserve protect people who borrow money to pay an expense by

The primary purpose of most Federal Reserve regulations is to protect individual consumers against banking and lending practices that are deceptive, can potentially cause financial harm or violate individual privacy rights.

Explanation: the answer explain it all. They formulate policies and laws to guide the borrow and payment of money, and prevent deception while doing so.

the first two-party system consisted of the federalist party, who supported the ratification of the constitution, and the democratic-republican party or the anti-administration party (anti-federalists), who opposed the powerful central government, among others, that the constitution established when it took effect in