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Popular Courses. Part Of. Central Banks. Introduction to the Fed. The Fed's Roles and Functions. Table of Contents Expand. The Federal Reserve Board. Office of Thrift Supervision. State Bank Regulators. State Insurance Regulators. State Securities Regulators. The Bottom Line. Key Takeaways Regulatory bodies are established by governments or other organizations to oversee the functioning and fairness of financial markets and the firms that engage in financial activity. The goal of regulation is to prevent and investigate fraud, keep markets efficient and transparent, and make sure customers and clients are treated fairly and honestly.
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Those who were first to withdraw their money from a troubled bank would benefit, whereas those who waited risked losing their savings overnight. Before the FDIC, there was no guarantee for the safety of deposits beyond the confidence in the bank's stability.
Because practically all banks and thrifts now offer FDIC coverage, many consumers face less uncertainty regarding their deposits. As a result, banks have a better opportunity to address problems under controlled circumstances without triggering a run on the bank.
This sum is adequate for the majority of depositors, though depositors with more than that sum should spread their assets among multiple banks. The FDIC provides a helpful interactive tool to check whether assets are covered. Coverage extends to individual retirement accounts IRAs , but only the parts that fit the type of accounts listed previously. Joint accounts, revocable and irrevocable trust accounts, and employee benefit plans are covered, as are corporate, partnership, and unincorporated association accounts.
FDIC insurance does not cover products such as mutual funds, annuities, life insurance policies, stocks, or bonds. The contents of safe-deposit boxes are also not included in FDIC coverage. Cashier's checks and money orders issued by the failed bank remain fully covered by the FDIC. A customer can file a claim with the FDIC as early as the day after a bank or thrift folds. The request can be submitted online through the FDIC website.
Note that the FDIC only insures against bank failures. Instances of fraud, theft, and similar loss are handled directly by the institution. The FDIC has no jurisdiction over identity theft. Small Business Regulations. Your Privacy Rights. To change or withdraw your consent choices for Investopedia. At any time, you can update your settings through the "EU Privacy" link at the bottom of any page.
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