Download or read book Legislation Relating to the Reform of the Deposit Insurance Funds BIF and SAIF written by United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Financial Institutions and Consumer Credit and published by . This book was released on 1996 with total page 188 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Legislation Relating to the Reform of the Deposit Insurance Funds written by United States Committee on Banking and Financial Services and published by . This book was released on 1996 with total page 169 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 650 pages. Available in PDF, EPUB and Kindle. Book excerpt:

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 Federal Deposit Insurance Reform Legislation Including Budgetary Implications written by and published by . This book was released on 2005 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Two major deposit insurance reform bills are currently before Congress. The Federal Deposit Insurance Reform Act of 2005, H.R. 1185, was initially approved by the House on May 4, 2005. The Safe and Fair Deposit Insurance Act of 2005, S. 1562, was reported as amended by the Committee on Banking, Housing, and Urban Affairs on October 18, 2005. Because both bills would effectively raise assessments paid by banks and savings associations to the deposit insurance funds, they contribute to the budget reconciliation process. The House bill reduces net direct spending by about $200 million over five years ($2.5 billion over 10 years), whereas the Senate bill scores reductions of $300 million over five years ($2.46 billion over 10 years). As a result, both bills have been attached to the budget reconciliation process. S. 1562 is Title II, Subtitles A and B of S. 1932, the Deficit Reduction Omnibus Reconciliation Act of 2005, passed by the Senate on November 3, 2005. In the House, H.R. 1185 is Title IV of H.R. 4241, the Deficit Reduction Act of 2005. Both deposit insurance bills, as passed (House) and as reported (Senate), are identical to their respective reconciliation versions. These measures, culminating years of congressional attention, share many provisions, yet differ significantly in others. Both would merge the Bank Insurance Fund (BIF) and the Savings Association Insurance Fund (SAIF) into a new Deposit Insurance Fund (DIF) for all depository institutions (except credit unions, which would continue with their own insurance fund). Both would replace the designated reserve ratio with a range within which the Federal Deposit Insurance Corporation (FDIC) would operate DIF. Both would raise the $100,000 coverage limit for deposit insurance for at least some accounts. Credit union coverage would change in step with banks and thrifts. Both bills would allow for refunds of excess reserves to wellcapitalized banks. Both bills would require the FDIC to give credit to institutions for past premium payments if the FDIC must make new assessments, thus accounting for the disparity between old and newer institutions. The bills differ in important respects. Insurance coverage limits rise immediately for most accounts in the House bill and would be indexed for inflation automatically at five-year intervals in the future. The Senate bill increases coverage limits immediately for retirement accounts and allows the FDIC, at its discretion, to increase limits for all accounts at five-year intervals in the future. The House allows for both one-time and ongoing credit pools against future premiums, whereas the Senate allows only an initial credit. The House, but not the Senate, would limit premiums paid by well-capitalized and operated banks, so long as the new insurance fund was within the reserve range. This report will be updated as warranted by events.

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 102 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book H R 522 Federal Deposit Insurance Reform Act of 2003 written by United States. Congress. House. Committee on Financial Services and published by . This book was released on 2003 with total page 62 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Oversight Hearing on the Effect of Proposals to Reform Federal Deposit Insurance on Pension Funds written by United States. Congress. House. Committee on Education and Labor. Subcommittee on Labor-Management Relations and published by . This book was released on 1991 with total page 232 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 Issues in the Reform of Deposit Insurance and Regulation of Depository Institutions written by International Monetary Fund and published by International Monetary Fund. This book was released on 1990-08-01 with total page 28 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the United States, the thrift industry crisis and evidence of financial weakness in the banking industry have raised concerns about the cost-effectiveness of the present framework of deposit insurance and regulation of depository institutions that serves to control systemic risks. The reform proposals discussed in this paper aim to create a more cost-effective approach by either modifying the operation of the deposit insurance funds to reduce the value of the deposit guarantee or altering those regulations of depository institutions that limit portfolio risk to reduce their overall cost. Consideration is given to both the potential effectiveness and practicability of the proposed reforms.

Download or read book Viewpoints of the FDIC and Select Industry Experts on Deposit Insurance Reform written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and published by . This book was released on 2001 with total page 110 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 664 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 Budgetary Treatment of Deposit Insurance written by Marvin Phaup and published by . This book was released on 1991 with total page 98 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book To Authorize the Federal Deposit Insurance Corporation to Increase Deposit Insurance Premiums 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 160 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Deposit Insurance Reform written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and published by . This book was released on 2001 with total page 160 pages. Available in PDF, EPUB and Kindle. Book excerpt: