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Federal Deposit
Insurance Corporation

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

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FDIC Charts & Graphs

The 1980 Increase to $100,000

  • An inflation adjustment would have raised deposit insurance coverage to $60,000.
  • Why $100,000?
    • Response to interest rates and changes in the financial industry
    • Draw funds into thrifts
  • Some have cited the increased coverage as a contributing factor to the S&L crisis.
    • Additional liabilities increased resolution costs.
    • Exacerbated “Moral Hazard” problem
    • Removal of Reg Q ceilings

    Source: FDIC,” History of the Eighties”, 1997

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Last Updated 05/18/2000

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