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Analysis

Options for Deposit Insurance Reform

Options for Deposit Insurance Reform cover

Options for Deposit Insurance Reform

Options for Deposit Insurance Reform outlines three options to reform the nation's deposit insurance system. The report first discusses the events of March 2023, and then reviews the history of deposit insurance in the United States. It then discusses the objectives and possible consequences of deposit insurance, and tools that may be used to support the objectives and address possible consequences. The report examines three options for deposit insurance reform that range in their departure from the status quo: Limited Coverage, Unlimited Coverage, and Targeted Coverage. The report describes how each option, if pursued, may be considered alongside other tools to maximize its efficacy.

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Last Updated: July 14, 2023