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Does Bank of America have any free cash flow? Typically, a firms’ lenders are typically commercial banks such as J.P. Morgan Chase & Co.; such banks assist the firm with such activities as lines of credit and other short-term financial assistance. Investment banks help companies obtain capital. For example, they help companies create securities that are attractive to investors, then buy these securities from the company, and then resell them to savers. The U.S. Securities and Exchange Commission (SEC) is a significant regulator of publicly-traded companies. The SEC reviews disclosures such as 10-Ks made by publicly-traded companies so that investors can have improved confidence in the U.S. financial markets.

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