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The U.S. government primarily relies on the Federal Reserve, often referred to as the Fed, to make adjustments to the economy and set interest rates. The Federal Open Market Committee (FOMC), a component of the Fed, meets regularly to determine the appropriate short-term interest rates to influence economic activity. Long-term interest rates are typically affected through the Fed's monetary policy and open market operations, although they are also influenced by broader market conditions and investor expectations.

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