Download or read book Deposit Insurance and Banking Reform Proposals written by United States. Congress. House. Committee on the Budget and published by . This book was released on 1991 with total page 164 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Deposit Insurance Reform and Related Supervisory Issues written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 1986 with total page 436 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Deposit Insurance Reform and Financial Modernization written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 1990 with total page 514 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Deposit Insurance Reform and Financial Modernization written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 1990 with total page 628 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Deposit Insurance Reform and Financial Modernization written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 1990 with total page 650 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Deposit Insurance written by United States. General Accounting Office and published by . This book was released on 1986 with total page 104 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Deposit Insurance written by Richard L. Fogel and published by DIANE Publishing. This book was released on 1998-04 with total page 197 pages. Available in PDF, EPUB and Kindle. Book excerpt: Deposit insurance was initiated in the 1930s to help restore confidence in the banking system after thousands of banks failed and millions of dollars in deposits were lost during the Great Depression. In 1990, the federal government insured about $3 trillion in deposits in the nation1s banks, thrifts, and credit unions and has to date fulfilled its goal of maintaining the stability of the banking system. This report discusses issues associated with reforming the deposit insurance system, specifically changes to the system that will promote a safe, sound, and stable banking industry. Charts and tables.
Download or read book Assessing Bank Reform written by George G. Kaufman and published by Brookings Institution Press. This book was released on 2010-12-01 with total page 181 pages. Available in PDF, EPUB and Kindle. Book excerpt: The last decade has been both traumatic and revolutionary for the U.S. banking industry. In late 1990 and early 1991, the outlook for the banking industry and even the federal insurance fund that backs most of its deposits looked especially bleak. Several independent analysts, congressional watchdog agencies, and the federal government itself warned that the large number and size of bank failures would exhaust the resources of the Federal Deposit Insurance Corporation for resolving bank failures and paying off their depositors. Amid extensive proposals for deposit insurance reform, Congress enacted the Federal Deposit Insurance Corporation Improvement Act (FDICIA), one of the most important and controversial pieces of banking legislation of the last fifty years. In December 1992, Brookings sponsored a conference, in conjunction with the Chicago Clearing House Association, to mark the first anniversary of FDICIA and to assess its impact. This book features the papers presented at the conference and a summary of the discussion of the more than 150 participants. Representatives with diverse viewpoints met to consider and debate the wisdom of FDICIA and of future banking policy. The authors include leading academic scholars, current and former policymakers, and experts from the private sector. Their papers cover the intellectual and political history of the Act, how the Act was being implemented, responses of regulators and banks to the Act, and how banking regulatory and legislative policy should proceed. The book concludes with recommendations for future banking regulatory and legislative policy. In addition to editors Kaufman and Litan, the contributors are James E. Annable, First National Bank of Chicago; Richard C. Aspinwill, Chase Manhattan Bank; Richard Scott Carnell, Senate Banking Committee; Anthony Downs, Brookings; Robert E. Glauber, Harvard University; William S. Haraf, Citicorp; W. Lee Hoskins, Huntington National Bank; Edwar
Download or read book Proposals for Reform of the Deposit Insurance System written by American Enterprise Institute for Public Policy Research and published by . This book was released on 1985 with total page 62 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Abolition of Deposit Insurance A Modest Proposal for Banking Reform written by Andreas Wesemann and published by . This book was released on 2018 with total page 124 pages. Available in PDF, EPUB and Kindle. Book excerpt: After 40 years of increasingly frequent, increasingly severe banking crises it is time to review the most sacrosanct component of the regulatory regime for banks: deposit insurance. This paper sets out a proposal for its abolition in the UK, consisting of (a) an announcement that all deposit insurance will be abolished after two years, while extending the preferential ranking of insured deposits introduced in the Banking Reform Act 2013 to all relevant, uninsured deposits; (b) legislation banning any and all compensation paid to depositors as a result of losses they may suffer in the wake of a bank insolvency; (c) an announcement that NS&I, the state-owned UK savings bank, would henceforth offer savings and current accounts to everyone; and (d) a requirement for all deposit-taking banks to publish prominently their capital / leverage ratios in comparison with NS&I. At the same time, the Basel 3 regulatory regime (i.e. the CRD IV legislative package and the associated laws and rules effected to implement and apply it in the UK) would be abolished (this is made easier by Brexit): capital regulation is the price banks pay for sovereign insurance of their largest creditors, and once that is abolished, the logic for a sovereign capital adequacy regime disappears. Following these reforms, risk-averse customers would have recourse to a zero-risk banking option offered by NS&I. Existing banks would find that they will have to increase their capital levels significantly, probably in excess of CRD IV requirements, in order to be able to compete and retain customers. Super-seniority of deposits in banks' capital structure would mean that losses would have to be very high - far higher than those experienced during the great financial crisis - before retail depositors are exposed to losses. I am arguing that such a banking system could stimulate lower levels of leverage, a better distribution and pricing of risk, and therefore more robust economic performance in the UK.
Download or read book Deposit Insurance Reform written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs and published by . This book was released on 1990 with total page 584 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Deposit Insurance written by United States. General Accounting Office and published by . This book was released on 1991 with total page 200 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Federal Deposit Insurance System and Recommendations for Reform written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 2003 with total page 98 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Deposit Insurance Reform written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs and published by . This book was released on 1990 with total page 136 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Comprehensive Deposit Insurance Reform written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Financial Institutions and published by . This book was released on 2002 with total page 80 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Deposit Insurance Reform and Financial Modernization written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 1990 with total page 1108 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Deposit Insurance Reform written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs and published by . This book was released on 1991 with total page 96 pages. Available in PDF, EPUB and Kindle. Book excerpt:
