Options for Deposit Insurance Reform
Options for Deposit Insurance Reform outlines three options to reform the nation's deposit insurance system. The report first discusses the events of March 2023, and then reviews the history of deposit insurance in the United States. It then discusses the objectives and possible consequences of deposit insurance, and tools that may be used to support the objectives and address possible consequences. The report examines three options for deposit insurance reform that range in their departure from the status quo: Limited Coverage, Unlimited Coverage, and Targeted Coverage. The report describes how each option, if pursued, may be considered alongside other tools to maximize its efficacy.
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- Table of Contents
- Section 1: Executive Summary
Section 2: Introduction and Background
Section 3: History of Deposit Insurance in the U.S.
- The History of FDIC Insurance Coverage Limits
- The Transaction Account Guarantee Program
- Composition of Deposits
- History of Uninsured Depositor Losses
- What's Different Today?
Section 4: Objectives and Possible Consequences of Deposit Insurance
- Possible Consequences
Section 5: Tools to Support Objectives and Address Possible Consequences
- Bank Regulation and Supervision
- Deposit Insurance Pricing
- Fund Adequacy
Section 6: Options for Increased Deposit Insurance Coverage
- Limited Coverage
- Unlimited Coverage
- Targeted Coverage
- Excess Deposit Insurance Coverage
- Additional Options
- Section 7: Conclusion