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The Federal Reserve is a complex beast to say the least. Composed of several layers, the Fed has a multitude of mandates and its hands in a variety of regulatory and monetary policy functions, from overseeing bank regulation to maintaining the popular FRED database of economic data. But perhaps it’s best-known for its control of key benchmark interest rates.

But you wouldn’t know it from talking to the average American.

According to a recent WalletHub survey, the average Joe is pretty clueless about the Fed. And that’s a problem considering the current environment we’re in. Americans misunderstanding of the role of the Fed might very well hit them in their wallets.

Want to know how the unwinding of the Fed’s balance sheet will affect markets? Click here.

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