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Financial Assets Purchased by Consumers Source: Board of Governors of the Federal Reserve System 23 - * The Growing Menu of Savings Instruments Available to Consumers Today One of the most important trends affecting consumer savings and lending today is the explosion of new financial instruments. Many of these new instruments offer the consumer greater financial flexibility, as well as the potential for higher rates of return. The Growing Menu of Savings Instruments Available to Consumers Today Examples: NOW accounts / share drafts automatic transfer services (ATS) share accounts at money mark