Large-Bank Deposit Insurance Programs

The FDIC regulations modernized the process of determining the insurance status of each depositor in the event of a depository institution failure. The regulations enable operations of a large insured depository institution to continue functioning on the day following failure, support the FDIC's efforts to fulfill its legal mandates regarding the resolution of failed insured deposit institutions, and apply to the largest institutions only ($2 billion in domestic deposits or more). More specifically, the regulations require the largest insured depository institutions to adopt mechanisms that would, in the event of the institution's failure, (1) provide the FDIC with standard deposit account and customer information, and (2) allow the FDIC to place and release holds on liability accounts, including deposits.

The latest form for Large-Bank Deposit Insurance Programs expires 2021-09-30 and can be found here.

Large-Bank Deposit Insurance Determination

Federal Enterprise Architecture: Economic Development - Financial Sector Oversight