Deposit insurance (41 - 50 of 55 items)
Resolving the Savings and Loan Crisis
T-GGD-89-4: Published: Feb 2, 1989. Publicly Released: Feb 2, 1989.
GAO provided its view on how to resolve the savings and loan crisis. GAO found that, to protect the integrity of the deposit insurance system: (1) the Federal Savings and Loan Insurance Corporation (FSLIC) should be made independent of the Federal Home Loan Bank Board (FHLBB), with a separate board of directors to oversee two separate insurance funds for healthy and insolvent institutions; (2) the...
Transition Series: Financial Services Industry Issues
OCG-89-4TR: Published: Nov 1, 1988. Publicly Released: Nov 1, 1988.
GAO summarized information on issues the federal government should consider relating to the financial services industry, including the: (1) handling of troubled financial institutions; (2) regulation of mergers between banking and nonbanking institutions; (3) regulation of linked securities and futures markets; and (4) regulation of global capital markets.GAO noted that: (1) almost a third of the...
Financial Audit: Federal Deposit Insurance Corporation's 1987 and 1986 Financial Statements
AFMD-88-43: Published: Apr 22, 1988. Publicly Released: Apr 22, 1988.
GAO examined the financial statements of the Federal Deposit Insurance Corporation (FDIC) for the years ended December 31, 1987 and 1986.GAO found that FDIC: (1) substantially increased its expenditures for assistance and regulatory actions due to an increase in bank failures and problem banks and the less-developed countries' difficulties in repaying loans; and (2) anticipates that it may incur a...
Bank Powers: Insulating Banks From the Potential Risks of Expanded Activities
GGD-87-35: Published: Apr 14, 1987. Publicly Released: Apr 14, 1987.
GAO reported on a proposed method to permit banks to participate in expanded activities while insulating their insured deposits from risky activities by organizationally separating the new activities from traditional bank operations. Banks generally operate these nontraditional activities under one of their departments, a subsidiary, a holding company subsidiary, or a bank service corporation.GAO...
Thrift Industry: The Treasury/Federal Home Loan Bank Board Plan for FSLIC Recapitalization
GGD-87-46BR: Published: Mar 3, 1987. Publicly Released: Mar 3, 1987.
Pursuant to a congressional request, GAO discussed the need for a recapitalization of the Federal Savings and Loan Insurance Corporation (FSLIC) and analyzed a recapitalization plan that the Department of the Treasury and the Federal Home Loan Bank Board (FHLBB) proposed.GAO found that FSLIC is in dire need of recapitalization because: (1) its primary reserves have fallen below $2 billion; (2) it...
Deposit Insurance: Summary of Analysis of Reform Proposals
GGD-86-32B: Published: Sep 30, 1986. Publicly Released: Sep 30, 1986.
GAO studied the interrelationship of financing, risk, and industry structure in the deposit insurance system and discussed proposals for reform, specifically: (1) how the Federal Deposit Insurance Corporation (FDIC) and the Federal Savings and Loan Insurance Corporation (FSLIC) treat the largest commercial banks and savings institutions which they insure; (2) financing deposit insurance without re...
Changes in the Financial Services Industry and Their Impact on Federal Regulation
121656: Jun 16, 1983
GAO discussed how the financial services industry is changing and what the government's role with respect to those changes should be. The changes occurring are the latest events in the historical development of the financial services industry. Congress designed the legislation of the 1930's for a financial system which, in one important respect, differs from today's system. The basic deposit insur...
An Economic Overview of Bank Solvency Regulation
PAD-81-25: Published: Feb 13, 1981. Publicly Released: Mar 18, 1981.
GAO examined the objectives, costs, and benefits of solvency regulation of financial institutions. It focused on the relationship of solvency regulation to the existing system of deposit insurance. It discussed the benefits and costs of various rules and regulations imposed to maintain bank solvency and reviewed possible alterations in the current regulatory and insurance systems.Federal agencies...
Supervision of Banks by the Federal Deposit Insurance Corporation Can Be More Efficient
FOD-77-8: Published: Dec 22, 1977. Publicly Released: Dec 22, 1977.
As a result of a Congressional request that GAO review the supervisory activities of the three Federal bank regulatory agencies, GAO was granted unrestricted access to bank examination reports and related records. The Federal Deposit Insurance Corporation (FDIC) maintains public confidence in the Nation's banking system by protecting depositors and encouraging sound banking, primarily through depo...
The Debate on the Structure of Federal Regulation of Banks
OCG-77-2: Published: Apr 14, 1977. Publicly Released: Apr 14, 1977.
The federal bank regulatory structure is discussed with emphasis on the three federal agencies that regulate and supervise commercial banks--Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, and Comptroller of the Currency. Restructuring proposals are centered on consolidation of federal bank supervision in FDIC, the Federal Reserve, the Department of the Treasury, or in a new...