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    The FDIC announced its intent, on September 29, , to assess the banks, in advance, for three years' of premiums in an effort to avoid DIF insolvency.

    News media reported that the prepayment move would be inadequate to assure the financial stability of the FDIC insurance fund.

    The FDIC elected to request the prepayment so that the banks could recognize the expense over three years, instead of drawing down banks' statutory capital abruptly, at the time of the assessment.

    The FDIC can also demand special assessments from banks as it did in the second quarter of To receive this benefit, member banks must follow certain liquidity and reserve requirements.

    Banks are classified in five groups according to their risk-based capital ratio:. When a bank becomes undercapitalized, the institution's primary regulator issues a warning to the bank.

    When the bank becomes critically undercapitalized the chartering authority closes the institution and appoints the FDIC as receiver of the bank.

    At Q4 banks had very low capital cushions against risk and were on the FDIC's " problem list ". A bank's chartering authority—either an individual state banking department or the U.

    In its role as a receiver the FDIC is tasked with protecting the depositors and maximizing the recoveries for the creditors of the failed institution.

    The FDIC does not close banks. Courts have long recognized these dual and separate capacities. In , to comply with legislation, the FDIC amended its failure resolution procedures to decrease the costs to the deposit insurance funds.

    The procedures require the FDIC to choose the resolution alternative that is least costly to the deposit insurance fund of all possible methods for resolving the failed institution.

    Bids are submitted to the FDIC where they are reviewed and the least cost determination is made. A receivership is designed to market the assets of a failed institution, liquidate them, and distribute the proceeds to the institution's creditors.

    The FDIC as receiver succeeds to the rights, powers, and privileges of the institution and its stockholders, officers, and directors.

    The FDIC may collect all obligations and money due to the institution, preserve or liquidate its assets and property, and perform any other function of the institution consistent with its appointment.

    A receiver also has the power to merge a failed institution with another insured depository institution and to transfer its assets and liabilities without the consent or approval of any other agency, court, or party with contractual rights.

    Furthermore, a receiver may form a new institution, such as a bridge bank, to take over the assets and liabilities of the failed institution, or it may sell or pledge the assets of the failed institution to the FDIC in its corporate capacity.

    The two most common ways for the FDIC to resolve a closed institution and fulfill its role as a receiver are:. Most of the largest, most complex BHCs are subject to both rules, requiring them to file a d resolution plan for the BHC that includes the BHC's core businesses and its most significant subsidiaries i.

    Accounts at different banks are insured separately. All branches of a bank are considered to form a single bank.

    Also, an Internet bank that is part of a brick and mortar bank is not considered to be a separate bank, even if the name differs. The FDIC publishes a guide entitled "Your Insured Deposits", [57] which sets forth the general characteristics of FDIC deposit insurance, and addresses common questions asked by bank customers about deposit insurance.

    Only the above types of accounts are insured. Some types of uninsured products, even if purchased through a covered financial institution, are: From Wikipedia, the free encyclopedia.

    It has been suggested that Money Smart be merged into this article. Discuss Proposed since September Credit union Federal savings bank Federal savings association National bank State bank.

    Check clearing Check 21 Act. Panic of and Great Depression. Savings and loan crisis. Brackets indicate amount taking into account consumer price inflation from Archived from the original on 27 June Retrieved 8 June While we have said that the Book of Ra casino slot has no bonus games and rounds, you can have some features that offer advantages and benefits.

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