Options for Deposit Insurance Reform
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Options for Deposit Insurance Reform

Filetype[PDF-1012.62 KB]


  • Publisher's site:
    https://www.fdic.gov/ | FDIC.gov
  • Corporate Authors:
  • Description:
    Section 1: Executive Summary (Pg 1)

    Section 2: Introduction and Background (Pg 5)

    Introduction (Pg 5)

    Background (Pg 6)

    Section 3: History of Deposit Insurance in the U.S. (Pg 13)

    The History of FDIC Insurance Coverage Limits (Pg 13)

    The Transaction Account Guarantee Program (Pg 16)

    Composition of Deposits (Pg 19)

    History of Uninsured Depositor Losses (Pg 21)

    What's Different Today? (Pg 22)

    Section 4: Objectives and Possible Consequences of Deposit Insurance (Pg 25)

    Objectives (Pg 25)

    Possible Consequences (Pg 29)

    Section 5: Tools to Support Objectives and Address Possible Consequences (Pg 33)

    Bank Regulation and Supervision (Pg 33)

    Deposit Insurance Pricing (Pg 35)

    Fund Adequacy (Pg 39)

    Section 6: Options for Increased Deposit Insurance Coverage (Pg 41)

    Limited Coverage (Pg 41)

    Unlimited Coverage (Pg 44)

    Targeted Coverage (Pg 46)

    Excess Deposit Insurance Coverage (Pg 49)

    Additional Options (Pg 51)

    Section 7: Conclusion (Pg 55)

    References (Pg 57)

  • Content Notes:
    Table 1.1: Summary of Advantages and Disadvantages of the Options for Deposit Insurance Reform (Pg 4)

    Figure 2.1: Uninsured Deposits Are Growing as a Share of Domestic Deposits (Pg 10)

    Figure 2.2: The Share of Banks With More Than 50 Percent Uninsured Domestic Deposits

    Is Increasing Across All Bank Sizes (Pg 10)

    Figure 2.3: Demand Deposit Share of Domestic Deposits Is Increasing Across Bank Sizes (Pg 11)

    Table 3.1: Congress Has Increased the Standard Maximum Deposit Insurance Amount Seven Times Since 1934 (Pg 13)

    Figure 3.1: The Real Value of Deposit Insurance Has Fluctuated Over Time and Decreased in Recent Years (Pg 14)

    Table 3.2: Over Time, an Increasing Proportion of Participating Banks Opted Out of the FDIC’s TAG Program, and the Average Size of Those Banks Increased (Pg 17)

    Figure 3.2: Amounts Guaranteed by the FDIC’s TAG Program Peaked at Over $800 Billion at Year-End 2009 (Pg 18)

    Figure 3.3: Amounts Covered by the Dodd-Frank Act TAG Peaked at Over $1.5 Trillion at Year-End 2012 (Pg 18)

    Figure 3.4: The Share of Domestic Deposits Held in Savings Accounts Increased Prior to 2020 (Pg 20)

    Table 3.3: Uninsured Depositor Losses and Loss Rates in Failed Banks Have Historically Been Low (Pg 22)

    Figure 4.1: Domestic Deposits, Foreign Deposits, and Federal Home Loan Bank Advances Are the Biggest Bank Liabilities (Pg 31)

    Figure 5.1: Loans adn Securities That Mature or Reprice in More Than 1 Year Rose Dramatically During the Pandemic (Pg 38)

  • Pages in Document:
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  • Release Date:
  • Agencies Involved:
    Federal Deposit Insurance Corporation (FDIC);Board of Governors of the Federal Reserve System (The Fed);U.S. Department of the Treasury;Federal Home Loan Bank Board (FHLBB);National Credit Union Administration (NCUA);
  • Bank Involved:
    Silicon Valley Bank (SVB);Signature Bank;Silvergate Bank;Franklin National Bank;
  • Law Involved:
    Federal Deposit Insurance Corporation Improvement Act of 1991;Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act);Coronavirus Aid, Relief, and Economic Security Act (CARES Act);Federal Deposit Insurance Reform Act of 2005;Banking Act of 1933 (Glass-Steagall Act);Banking Act of 1935;Federal Deposit Insurance Act (FDI Act);Depository Institutions Deregulation and Monetary Control Act of 1980;Emergency Economic Stabilization Act of 2008 (EESA);Financial Institutions Regulatory and Interest Rate Control Act of 1978;Omnibus Budget Reconciliation Act of 1993;
  • Other Institutions Involved:
    American Bankers Association;Independent Community Bankers Association;
  • Related Regulation:
    Regulation D;Regulation Q;
  • Source:
    FDIC Website
  • Main Document Checksum:
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  • File Type:

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