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Federal Deposit
Insurance Corporation

Each depositor insured to at least $250,000 per insured bank

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Interest Rate Vulnerability

Black, William, Examples of S&Ls Engaging in Substantial Interest Rate Gambles After 1983, Staff Report No. 5, Washington, DC: National Commission of Financial Institution Reform, Recovery and Enforcement, 1993.

Brewer, Elijah, III, The Impact of Deregulation on the True Cost of Savings Deposits: Evidence from Illinois and Wisconsin Savings and Loan Associations, Staff Memoranda 85-4. Chicago: Federal Reserve Bank of Chicago, August, 1985.

Dann, Larry Y and Christopher M. James, An Analysis of the Impact of Deposit Rate Ceilings on the Market Values of Stock Savings and Loan Associations, Staff Papers 1981-4. Washington, DC: Comptroller of the Currency, 1981.

Hess, Alan C., Effects of Regulation Q on Deposits and Interest Rates at Savings Associations, RWP 83-04. Kansas City, MO: Federal Reserve Bank of Kansas City, March, 1983.

Shoven, John B., Smart, Scott B. and Joel Waldfogel, Real Interest Rates and the Savings and Loan Crisis: the Moral Hazard Premium, Working Paper No. 3754, Cambridge, MA: National Bureau of Economic Research, 1991.

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Last Updated 6/6/99

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