Deposit Insurance:

Observations on Approaching Reform

T-GGD-90-20: Published: Feb 21, 1990. Publicly Released: Feb 21, 1990.

Additional Materials:


Office of Public Affairs
(202) 512-4800

GAO discussed the key issues concerning deposit insurance reform. GAO believes that Congress needs to determine: (1) the relative roles of investment discipline and regulatory oversight in protecting depositors; (2) special investment choices and protection that regulators and insurers can offer large banking institutions; (3) how to define various types of deposits in determining appropriate levels of insurance protection; (4) whether traditionally uninsured institutions, including overseas banks and non-depository entities, should receive insurance protection; (5) the complex relationship between insurance protection levels and deposit insurance costs; (6) the extent to which regulation should impose limits on the uses of insured deposits or broaden banking powers to diversify financial risk; (7) how depositors would respond to lower yields resulting from limits on high-risk investments; and (8) improving the regulatory system through new requirements for regulators and bank managers.

Sep 6, 2017

Jul 14, 2017

Jul 13, 2017

May 17, 2017

Apr 26, 2017

Feb 6, 2017

Dec 15, 2016

Nov 30, 2016

Looking for more? Browse all our products here