Deposit Insurance
FDIC insurance is backed by the full faith and credit of the United States government. Since the FDIC was established in 1933, no depositor has lost one penny of FDIC-insured accounts.
The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category.
The FDIC manages the Deposit Insurance Fund to insure the deposits, protect the depositors of insured banks, and to resolve failed banks. The FDIC also fosters communication and coordination among other countries’ deposit insurance systems.
Supervision & Examinations
Supervision and consumer protection are cornerstones of the FDIC’s efforts to ensure the stability of, and public confidence in, the nation's financial system. The FDIC's supervision program promotes the safety and soundness of FDIC-supervised financial institutions, protects consumers' rights, and promotes community investment initiatives.
Laws & Regulations
Laws and regulations govern FDIC-insured banks and the U.S. banking industry broadly, ensuring safe and sound business practices within the financial sector. These include the FDIC Act, FDIC Advisory Opinions, FDIC Statements of Policy, and a selection of banking-related guidance issued jointly with other agencies.
Resolutions
When a bank closes, its chartering authority—the state for state-chartered institutions and the OCC for national banks and federal savings associations—typically appoints the FDIC as receiver, responsible for resolving the failed institution. The FDIC employs a resolution process for failing banks, and a receivership process for failed banks.
Data Tools
The FDIC offers high-level and detailed economic and financial data resources for all types of users.
Additional Links
Community Banking
Technical assistance for Community Banks, including training videos, research, and workshops.
Community Reinvestment Act
Learn about the CRA, find a bank’s current CRA rating, and access useful resources.
Minority Depository Institutions
The FDIC program to promote and preserve these banks that serve communities with unique financial service’s needs.
Forms
Find and download forms and applications for conducting business with the FDIC.
Historical Bank Data
Review the annual summary of financial and structure data for all FDIC-insured institutions.
Publications
Read the Small Business Lending Survey, Resolutions Handbook, and other FDIC publications.
Advisory Committees
The FDIC has established committees to provide advice and guidance on a broad range of issues.
Analytical Studies
Insightful works that inform our supervision and regulation of financial institutions.
