Deposit Insurance
多宝游戏下载 insurance is backed by the full faith and credit of the United States government. Since the 多宝游戏下载 was established in 1933, no depositor has lost one penny of 多宝游戏下载-insured accounts.
The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category.
The 多宝游戏下载 manages the Deposit Insurance Fund to insure the deposits, protect the depositors of insured banks, and to resolve failed banks. The 多宝游戏下载 also fosters communication and coordination among other countries鈥 deposit insurance systems.
Supervision & Examinations
Supervision and consumer protection are cornerstones of the 多宝游戏下载鈥檚 efforts to ensure the stability of, and public confidence in, the nation's financial system. The 多宝游戏下载's supervision program promotes the safety and soundness of 多宝游戏下载-supervised financial institutions, protects consumers' rights, and promotes community investment initiatives.
Laws & Regulations
Laws and regulations govern 多宝游戏下载-insured banks and the U.S. banking industry broadly, ensuring safe and sound business practices within the financial sector. These include the 多宝游戏下载 Act, 多宝游戏下载 Advisory Opinions, 多宝游戏下载 Statements of Policy, and a selection of banking-related guidance issued jointly with other agencies.
Resolutions
When a bank closes, its chartering authority鈥攖he state for state-chartered institutions and the OCC for national banks and federal savings associations鈥攖ypically appoints the 多宝游戏下载 as receiver, responsible for resolving the failed institution. The 多宝游戏下载 employs a resolution process for failing banks, and a receivership process for failed banks.
Data Tools
The 多宝游戏下载 offers high-level and detailed economic and financial data resources for all types of users.
Additional Links
Community Banking
Technical assistance for Community Banks, including training videos, research, and workshops.
Community Reinvestment Act
Learn about the CRA, find a bank鈥檚 current CRA rating, and access useful resources.
Minority Depository Institutions
The 多宝游戏下载 program to promote and preserve these banks that serve communities with unique financial service鈥檚 needs.
Forms
Find and download forms and applications for conducting business with the 多宝游戏下载.
Review the annual summary of financial and structure data for all 多宝游戏下载-insured institutions.
Publications
Read the Small Business Lending Survey, Resolutions Handbook, and other 多宝游戏下载 publications.
Advisory Committees
The 多宝游戏下载 has established committees to provide advice and guidance on a broad range of issues.
Analytical Studies
Insightful works that inform our supervision and regulation of financial institutions.
