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Analysis

Establishing Voluntary Excess Deposit Insurance: Results of the 2006 FDIC Study

The Federal Deposit Insurance Reform Conforming Amendments Act of 2005 required the FDIC to study the feasibility of establishing a voluntary deposit insurance system for deposits in excess of the maximum amount of FDIC insurance. The study results were delivered to Congress in early 2006. This article describes market changes that have reduced the demand for excess deposit insurance and provided depositors with other options to protect excess deposits. However, if Congress were to decide the FDIC should play a role in providing excess deposit insurance, the article examines two possible approaches available to the Corporation.

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    Last Updated: November 19, 2025