How Does the Federal reserve Create the Money Supply The Benefit and the responsibility of Commercial banks in the Federal reserve System(continued) Responsibility: The commercial bank should not abuse this benefit They should regularly maintain the required reserve according to the required reserve ratio designed by the e上 edera Reserve systemHow Does the Federal Reserve Create the Money Supply • The Benefit and the Responsibility of Commercial Banks in the Federal Reserve System (continued) – Responsibility: The commercial bank should not abuse this benefit. They should regularly maintain the required reserve according to the required reserve ratio designed by the Federal Reserve System