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Analysis

Privatizing Deposit Insurance: Results of the 2006 FDIC Study

The Federal Deposit Insurance Reform Conforming Amendments Act of 2005 required the FDIC to conduct a study of the feasibility and consequences of privatizing deposit insurance. The results of the study were delivered to Congress in February of this year. This article reviews the arguments that favor privatization, examines specific privatization proposals, and concludes with a discussion of other considerations important to the privatization debate.

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    Last Updated: November 19, 2025