The FDIC is considering revisions to the operational requirements applicable to larger insured depository institutions (IDIs) and the deposits they hold to ensure that both they and the FDIC can very quickly distinguish between insured and uninsured deposits under stress. With this knowledge, the FDIC could better ensure that, if forced to intervene, only insured depositors are protected, reducing the potential for intervention under the orderly-liquidation authority established by Dodd-Frank or other actions putting taxpayers at direct or indirect risk.
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