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FDIC Charts & Graphs

The 1980 Increase to $100,000 An inflation adjustment would have raised deposit insurance coverage to $60,000. Why $100,000? Response to interest rates and changes in the financial industry Draw funds into thrifts Some have cited the increased coverage as a contributing factor to the S&L crisis. Additional liabilities increased resolution costs. Exacerbated “Moral Hazard” problem Removal of Reg Q ceilings Source: FDIC,” History of the Eighties”, 1997 Previous slide Next slide Back to first slide View graphic version