FDIC: Guidance for Developing Effective Deposit Insurance Systems

The Financial Stability Forum's Working Group on Deposit Insurance has developed guidance for the benefit of countries considering the adoption or the reform of an explicit, limited-coverage deposit insurance system.

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Guidance for Developing Effective Deposit Insurance Systems
The guidance presented in the final report of the Financial Stability Forum's Working Group was developed through the preparation of a series of discussion papers and a consultative process that involved over 100 countries. The Working Group drew heavily on the practical experience of its members and other countries. The guidance is reflective of, and designed to be adaptable to, a broad range of country circumstances, settings and structures.

Discussion Papers

The following discussion papers, which served as the basis for the Working Group's deliberations and preparation of the final report, were prepared by members of the Working Group and its Research Committee. The Research Committee was comprised of individuals from the FDIC and the Canada Deposit Insurance Corporation.

1. Claims and Recoveries
2. Coverage
3. Cross-Border and Regional Issues
4. Depositor Priority and Rights of Set-Off (Netting)
5. Funding
6. Interrelationships Among Safety-net Participants
7. Membership
8. Options for Addressing Moral Hazard
9. Powers
10. Public Awareness
11. Public-Policy Objectives for Deposit Insurance Systems
12. Reimbursing Depositors
13. Resolution of Failed Institutions
14. Situational Analysis: Conditions and Implementation Considerations
15. Special Considerations when Transitioning from Blanket Guarantees
16. Structure and Organisation

Bibliography
Selected references used in the preparation of the discussion papers and the final report.

Glossary
Selected terms used in the discussion papers and the final report.