2016 IADI Asia-Pacific and Regional Committee

14th Annual Meeting and International Conference

Raising Public Awareness on Depositor Protection
June 15th-17th| lloilo Convention Center (ICC), lloilo City, Philippines
FEDERAL DEPOSIT INSURANCE CORPORATION
What We Will Cover Today

Deposit insurance coverage fundamentals

Determining deposit insurance coverage

Providing public assistance and outreach information

Additional deposit insurance resources

FEDERAL DEPOSIT INSURANCE CORPORATION

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 Brief Summary of Deposit Insurance
Date Insurance Coverage Changes
January 1, 1934 $ 2,500
July 1, 1934 $ 5,000
1950 $ 10,000
1966 $ 15,000
1969 $ 20,000
1974 $ 40,000
1980 $ 100,000

2006 $100,000 with

Certain Retirement Accounts up to $250,000
Temporary increase of basic deposit insurance coverage amount to $250,000. Full guarantee for
2008 noninterest-bearing transaction accounts through 12/31/2010 for TAGP participating insured
banks.

Unlimited coverage for noninterest-bearing transaction accounts from 12/31/2010 through

2010 12/31/2012 at all FDIC-insured banks.
Permanent increase of basic deposit insurance coverage amount to $250,000

December 31, 2012 Expiration of unlimited coverage for noninterest-bearing transaction accounts

January 1, 2013 The standard deposit insurance amount is $250,000 per depositor, per insured bank, for each
account ownership category.

FEDERAL DEPOSIT INSURANCE CORPORATION

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Introduction to Ownership Categories
Owner = individual Owner = business/organization

Category 1 Category 2
Single Joint
Accounts Accounts

Owner = government entity

Category 3 Category 4
Revocable Irrevocable
Trust Trust
Accounts Accounts
Owner = mortgagee/lender

Category 5 Category 6
Certain Employee
Retirement Benefit Plan
Accounts Accounts

FEDERAL DEPOSIT INSURANCE CORPORATION

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Deposit Insurance Videos on FDIC.gov

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FEDERAL DEPOSIT INSURANCE CORPORATION
FEDERAL DEPOSIT INSURANCE CORPORATION
FEDERAL DEPOSIT INSURANCE CORPORATION
Roles & Responsibilities
1. Respond to complex deposit insurance questions received from the public and the
banking industry

2. Develop educational tools and resources designed to inform the public and the
banking industry about the deposit insurance coverage rules

3. Conduct deposit insurance outreach for financial institution employees to educate

bankers about the deposit insurance rules

4. Promote public awareness and understanding of the FDICs deposit insurance

coverage

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Deposit Insurance Inquiry Activity
Deposit Insurance related calls to 1-877-ASK FDIC

2008 2009 2010 2011 2012 2013 2014 2015

Deposit Insurance
Related Calls to
652,275 246,563 149,032 77,207 50,844 44,540 40,520 38,664
1-877-275-3342
(1-877-ASK FDIC)

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FEDERAL DEPOSIT INSURANCE CORPORATION
Electronic Deposit Insurance Estimator (EDIE)

8 www.fdic.gov/edie/ FEDERAL DEPOSIT INSURANCE CORPORATION

Electronic Deposit Insurance Estimator (EDIE)
NOT INSURED INSURED

9 www.fdic.gov/edie/ FEDERAL DEPOSIT INSURANCE CORPORATION

EDIE Web Traffic

Electronic Deposit Insurance Estimator (EDIE) is available in English and Spanish.

2008 2009 2010 2011 2012 2013 2014 2015

Electronic
Deposit
Insurance 15,356,716 1,990,422 1,944,429 978,186 928,368 892,055 764,730 740,137
Estimator
(EDIE) User
Views

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FEDERAL DEPOSIT INSURANCE CORPORATION
Banker Telephone Seminars

https://www.fdic.gov/deposit/seminars.html

FEDERAL DEPOSIT INSURANCE CORPORATION

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Deposit Insurance Seminars YouTube Videos

https://www.youtube.com/user/FDICchannel
FEDERAL DEPOSIT INSURANCE CORPORATION
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Outreach Activities
2015 On-site Banking Industry Conferences
Sponsoring Organization(s) Audience # of Attendees
American Bankers Association Conference for Community Bankers Bankers 1,600
Independent Community Bankers of America Community Banking LIVE Convention &
Bankers 1,500
Expo
National Bankers Association Legislative Conference Bankers 50
American Association of Retired Persons Consumers 12,000
Alabama Bankers Association Annual Convention and Trade Show Bankers 490
American Bankers Association National Regulatory & Compliance Conference Bankers 1,600
National Council of La Raza Annual Conference Consumers 3,000
Minority Depository Institutions Conference Bankers 490
Pennsylvania Community Bankers Association Bankers 347
National Bankers Association Annual Convention Bankers 103
BankNext Bankers 75
American Bankers Association National Conference Bankers 1,000
Bank Horizons Bankers 250
TOTAL 22,505

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Public Website: www.FDIC.gov

FEDERAL DEPOSIT INSURANCE CORPORATION

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Deposit Insurance Homepage (Brochures)

15 www.fdic.gov/deposit/ FEDERAL DEPOSIT INSURANCE CORPORATION

FDIC Brochures (Tagalog)

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FDIC Brochures (Chinese)

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FDIC Brochures (Korean)

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FDIC Brochures (Vietnamese)

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Deposit Insurance Brochures Distributed

Deposit Insurance Brochures are also available in Spanish, Tagalog, Chinese (traditional &
simplified), Korean, and Vietnamese.

2008 2009 2010 2011 2012 2013 2014 2015

Your Insured
Deposits & Deposit
4.5 1.5 3 2.4 1.4 1.43 1.17 1.03
Insurance Summary million million million million million million million million
Brochures
Distributed (English)

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Financial Institution Employees Guide

https://www.fdic.gov/deposit/DIGuideBankers.html
FEDERAL DEPOSIT INSURANCE CORPORATION
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FDICs Online Catalog

22 https://catalog.fdic.gov/ FEDERAL DEPOSIT INSURANCE CORPORATION

Contact FDIC
For more information on FDICs deposit insurance coverage
contact:
Martin Becker, Chief Deposit Insurance Section at either
(202) 898-7207 or by e-mail at mbecker@fdic.gov

For more information on FDICs Consumer and Community

Affairs Programs contact:
Elizabeth Ortiz, Deputy Director at either
(202) 898-6593 or by e-mail at elortiz@fdic.gov
FEDERAL DEPOSIT INSURANCE CORPORATION
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FEDERAL DEPOSIT INSURANCE CORPORATION
Contact FDIC
For more information on FDICs deposit insurance coverage
contact:
Martin Becker, Chief Deposit Insurance Section at either
(202) 898-7207 or by e-mail at mbecker@fdic.gov

For more information on FDICs Consumer and Community

Affairs Programs contact:
Elizabeth Ortiz, Deputy Director at either
(202) 898-6593 or by e-mail at elortiz@fdic.gov
FEDERAL DEPOSIT INSURANCE CORPORATION
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