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Deposit insurance

Banks in Turmoil

"Moral hazard" at banks isn't just a theoretical concern

by David Brancaccio and Alex Schroeder
Mar 22, 2023
According to Boston College's Patricia McCoy, data underscore concerns about the government's role in risk-taking at banks.
Data support the claim that too much government backing can incentivize banks to take more risks, says Boston College law professor Patricia McCoy.
Spencer Platt/Getty Images
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Banks in Turmoil

How to get more than $250,000 covered by federal deposit insurance

by David Brancaccio , Chris Farrell and Erika Soderstrom
Mar 22, 2023
From creating joint accounts to patronizing multiple banks, there are ways to maximize FDIC coverage, says economics contributor Chris Farrell.
Having too much money to be insured in one account is a good problem to have. Marketplace economics contributor Chris Farrell explains how to solve it.
John Moore/Getty Images
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I've Always Wondered ...

You can protect more than $250,000 at a bank. But beware the “moral hazard.”

by Janet Nguyen
Mar 17, 2023
The FDIC allows coverage of different types of accounts at the same bank. There are also services that help you spread your money around.
Depositors are covered by the FDIC for up to $250,000, but there are ways to skirt the limit.
Karen Bleier/AFP via Getty Images
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A Nobel Prize-winning economist's view of bank runs and deposit insurance

by David Brancaccio and Jarrett Dang
Oct 19, 2022
Professor Philip Dybvig, co-winner of this year's Nobel Prize in Economic Sciences, co-authored a seminal paper on how deposit insurance can help prevent financial crises.
Philip Dybvig jointly won the 2022 Nobel Prize in Economic Sciences for his research on bank runs, deposit insurance, and financial regulation.
Courtesy Washington University in St. Louis
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China's new deposit insurance is about systemic change

by Sabri Ben-Achour
Apr 30, 2015
Making banks more careful... by reassuring them.
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