Fdicia

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Assessing Bank Reform

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Author : George G. Kaufman
language : en
Publisher: Brookings Institution Press
Release Date : 2010-12-01

Assessing Bank Reform written by George G. Kaufman and has been published by Brookings Institution Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010-12-01 with Business & Economics categories.

The last decade has been both traumatic and revolutionary for the U.S. banking industry. In late 1990 and early 1991, the outlook for the banking industry and even the federal insurance fund that backs most of its deposits looked especially bleak. Several independent analysts, congressional watchdog agencies, and the federal government itself warned that the large number and size of bank failures would exhaust the resources of the Federal Deposit Insurance Corporation for resolving bank failures and paying off their depositors. Amid extensive proposals for deposit insurance reform, Congress enacted the Federal Deposit Insurance Corporation Improvement Act (FDICIA), one of the most important and controversial pieces of banking legislation of the last fifty years. In December 1992, Brookings sponsored a conference, in conjunction with the Chicago Clearing House Association, to mark the first anniversary of FDICIA and to assess its impact. This book features the papers presented at the conference and a summary of the discussion of the more than 150 participants. Representatives with diverse viewpoints met to consider and debate the wisdom of FDICIA and of future banking policy. The authors include leading academic scholars, current and former policymakers, and experts from the private sector. Their papers cover the intellectual and political history of the Act, how the Act was being implemented, responses of regulators and banks to the Act, and how banking regulatory and legislative policy should proceed. The book concludes with recommendations for future banking regulatory and legislative policy. In addition to editors Kaufman and Litan, the contributors are James E. Annable, First National Bank of Chicago; Richard C. Aspinwill, Chase Manhattan Bank; Richard Scott Carnell, Senate Banking Committee; Anthony Downs, Brookings; Robert E. Glauber, Harvard University; William S. Haraf, Citicorp; W. Lee Hoskins, Huntington National Bank; Edwar

Bank And Thrift Regulation

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Author : Thomas J. McCool
language : en
Publisher: DIANE Publishing
Release Date : 1997-02

Bank And Thrift Regulation written by Thomas J. McCool and has been published by DIANE Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 1997-02 with categories.

This report summarizes the results of a review of the implementation of the Fed. Deposit Insur. Corp. Improve. Act of 1991's (FDICIA) Prompt Regulatory Action provisions. Focuses on the Fed. Reserve System's and the Office of the Comptroller of the Currency's efforts to implement the provisions and the impact of the provisions on Fed. oversight of depository institutions. Also discusses other initiatives, contained in FDICIA or self-initiated by the regulators, that are intended to improve the supervision and early identification of institutions with safety problems.

Bank And Thrift Regulation

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Author : United States. General Accounting Office
language : en
Publisher:
Release Date : 1996

Bank And Thrift Regulation written by United States. General Accounting Office and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1996 with Banking law categories.

Evidence Of Improved Monitoring And Insolvency Resolution After Fdicia

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Author : Edward J. Kane
language : en
Publisher:
Release Date : 2014

Evidence Of Improved Monitoring And Insolvency Resolution After Fdicia written by Edward J. Kane and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014 with categories.

To realign supervisory and market incentives, the Federal Deposit Insurance Corporation Improvement Act of 1991 (FDICIA) adjusts two principal features of federal banking supervision. First, it requires regulators to examine insured institutions more frequently and makes them accountable for exercising their supervisory powers. Second, the Act empowers regulators to wind up the affairs of troubled institutions before their accounting net worth is exhausted. Using 1984-2003 data on the outcome of individual bank examinations, this paper documents that the frequency of rating transitions and the character of insolvency resolutions have changed substantially under FDICIA. The average interval between bank examinations has dropped for low-rated banks in the post-FDICIA era. Examiner upgrades have become significantly more likely in the post-FDICIA era even after controlling for the state of the economy. However, in recessions managers are slower to correct problems that examiners identify. As a result, during downturns upgrades become less likely and absorptions become more likely.Giving the FDIC authority to wind up troubled banks before their tangible net worth is exhausted has reduced the role of government in the insolvency-resolution process. Consistent with an hypothesis that FDICIA has improved incentives, our data show that a markedly larger percentage of troubled banks now search for a merger partner rather than trying to stay in business until the regulators force them to fail. This greater reliance on quasi-voluntary mergers is observable both within and across various stages of the business cycle. These findings suggest that supervisory interventions became more effective at banks during the post-FDICIA era.

The New Fdicia Audit And Reporting Rules

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Author : John Lewis Douglas
language : en
Publisher:
Release Date : 1993

The New Fdicia Audit And Reporting Rules written by John Lewis Douglas and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1993 with Bank examination categories.

Too Big To Fail After Fdicia

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Author : Larry D. Wall
language : en
Publisher:
Release Date : 2010

Too Big To Fail After Fdicia written by Larry D. Wall and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010 with categories.

In 1993, when this article was originally published, Congress had recently passed the Federal Deposit Insurance Corporation Improvement Act of 1991 (FDICIA) to reduce taxpayers' exposure to financial system losses, including their exposure at "too big to fail" financial institutions. In his new preface, the author observes that, by passing FDICIA, Congress was signaling that it was "serious about ending 100 percent de facto deposit insurance." He notes that FDICIA's least-cost resolution provisions were partially successful, terminating 100 percent de facto deposit insurance for most banks. The recent financial crisis demonstrated, though, that too big to fail has still not been eliminated for the very largest banks. To provide a background for the debate about what should be done to eliminate the persistent problems with existing too big to fail policies, this article outlines what Congress originally intended FDICIA to accomplish. From its 1993 perspective, the article reviews the controls FDICIA placed on regulators' ability to protect or extend the lives of large banks while keeping other policy tools for dealing with systemic risk. The article also discusses some lingering systemic risk issues, including the effect of a large bank & rsquo;s failure on financial derivatives markets and the effect of unexpected massive losses at one or more banks, as well as FDICIA's provisions designed to reduce systemic risk. -- too big to fail ; FDICIA

The Major Supervisory Initiatives Post Fdicia

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Author : Robert A. Eisenbeis
language : en
Publisher:
Release Date : 2002

The Major Supervisory Initiatives Post Fdicia written by Robert A. Eisenbeis and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2002 with categories.

The Impact Of The Fdicia

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Author :
language : en
Publisher:
Release Date : 1992

The Impact Of The Fdicia written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1992 with Bank failures categories.

Bank And Thrift Regulation Implementation Of Fdicia S Prompt Regulatory Action Provisions Report To Congressional Committees

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Author :
language : en
Publisher: DIANE Publishing
Release Date :

Bank And Thrift Regulation Implementation Of Fdicia S Prompt Regulatory Action Provisions Report To Congressional Committees written by and has been published by DIANE Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on with categories.

Bank And Thrift Regulation

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Author : Donald H. Chapin
language : en
Publisher:
Release Date : 1993

Bank And Thrift Regulation written by Donald H. Chapin and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1993 with categories.