Dennis Lockhart, the president of the Federal Reserve Bank of Atlanta, will step down this month . The Federal Reserve may be in for changes in the months ahead. It is an important agency, but there’s one problem. Not a lot of average Americans understand what the Fed is or what it does. So, we explain it in another edition of our Break It Down series . We talked with financial columnist John Tamny about the role of the Fed and how it might change in the Trump administration. Tamny is author of