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Bank Failures and the Federal Deposit Insurance Corporation
Provides overview of FDIC and explains pricing of deposit insurance, highlighting procyclical bias injected into the pricing of deposit insurance. Addresses recent FDIC efforts to replenish Deposit Insurance Fund (DIF), the proceeds of which are used to pay depositors if member institutions fail; and addresses additional options that vary in degree of burden administered to banks. Reviews pricing of deposit insurance to minimize future risks to DIF. Analyzes possible impact of H.R. 2897, the Bank Accountability and Risk Assessment Act of 2009, to help mitigate risks that institutions, which may be determined systemically important, may have on DIF.
Record is based on bibliographic data in ProQuest U.S. Congressional Research Digital Collection (last viewed Dec. 2010). Reuse except for individual research requires license from ProQuest, LLC.
Library of Congress. Congressional Research Service.