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Conference Paper
Remarks on FDICIA
Newsletter
Reforming deposit insurance--once again
Working Paper
Did FDICIA enhance market discipline on community banks? a look at evidence from the jumbo-CD market
The Federal Deposit Insurance Corporation Improvement Act of 1991 (FDICIA) directed the FDIC to resolve bank failures in the least costly manner, shifting more of the failure-resolution burden to jumbo-CD holders. We examine the sensitivity of jumbo-CD yields and runoffs to failure risk before and after FDICIA. We also examine the economic significance of estimated risk sensitivities before and after the Act, looking at the implied impact of risk on bank funding costs and profits. The evidence indicates that yields and runoff were sensitive to risk before and after FDICIA, but that this ...
Journal Article
Atlanta Fed examines deposit insurance reform and FDICIA
Conference Paper
The meaning of FDICIA
Journal Article
Supervisory enforcement actions since FIRREA and FDICIA
In response to banking crises in the 1980s, Congress passed two laws that expanded enforcement powers of financial institution supervisors, including the Federal Reserve. At the time, some observers warned that these new powers would be misused. A careful analysis of enforcement actions taken over the past 15 years indicates that these concerns were unwarranted.
Journal Article
Too-big-to-fail after FDICIA
This reprint of a 1993 article outlines what Congress intended the Federal Deposit Insurance Corporation Improvement Act of 1991 to accomplish. A new preface discusses FDICIA's successes and failures as well as research calling for clearer policies to deal with the problem of "too big to fail" banks.
Journal Article
Deposit insurance reform in the FDIC Improvement Act: the experience to date
In 1991, the U.S. adopted fundamental deposit insurance reform in the FDIC Improvement Act. This article reveals why such reform was necessary in light of the severe banking crisis of the 1980s and analyzes its success to date.
Journal Article
New law strengthens foreign bank supervision