- Effective April 1, 2006, coverage for certain retirement plan deposits increased to $250,000. The basic insurance limit for other depositors - individuals, joint account holders, businesses, government entities and trusts - remains at $100,000.
- Pass-through coverage for employee benefit plans is no longer tied to an institution's capital level, although institutions must meet certain capital requirements to accept employee benefit plan deposits.
- The FDIC Board of Directors is authorized to increase the insurance limits for all deposit accounts every five years, beginning in 2011, based on the rate of inflation.
- This FIL supersedes FIL-27-2006, dated March 28, 2006.
Chief Executive Officer
FDIC Deposit Insurance Regulations 12 C.F.R. 330
Final Rule - PDF 64k (PDF Help)
FDIC Call Center, 1-877-275-3342
FIL-83-2006 - PDF 28k (PDF Help)
FDIC financial institution letters (FILs) may be accessed from the FDIC's Web site at www.fdic.gov/news/news/financial/2006/index.html.
To receive FILs electronically, please visit http://www.fdic.gov/about/subscriptions/fil.html.
Paper copies of FDIC financial institution letters may be obtained through the FDIC's Public Information Center, 3501 Fairfax Drive, E-1002, Arlington, VA 22226 (1-877-275-3342 or 703-562- 2200).