This document provides information on the state deposit insurance programs that existed in the 1800s and early 1900s, the banking crisis of 1930s, and the establishment of the FDIC. It describes the FDIC's early years, its experience during and after World War II, the turbulent decades of the 1970s and 1980s, and the recovery achieved in the 1990s. Major legislative changes and economic influences are noted. Finally, deposit insurance issues are discussed that were current at the time of the FDIC-sponsored International Conference on Deposit Insurance in 1998. The document does not fully address the savings-and-loan crisis of the 1980s because the FDIC did not receive deposit insurance responsibility for S&Ls until 1989.
Annotated Bibliography of Deposit Insurance contains citations and abstracts for books, journal articles, working papers, dissertations, conference proceedings, congressional hearings, and government and international agency reports on deposit insurance published between 1989 and 1999. The on-line version of this bibliography is updated annually. Please refer to the Introduction for more details concerning the purpose, scope, and sources of the Bibliography.
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Recommendations for Deposit Insurance Reform, April 2001
On April 5, the FDIC issued recommendations for strengthening the deposit insurance system, including merging the Bank Insurance Fund (BIF) and the
Savings Association Insurance Fund (SAIF), and adopting a more risk-based system for charging insurance premiums.