[20200106]IN11209_FDIC提议修改经纪存款监管.pdf

CRS INSIGHT Prepared for Members and Committees of Congress INSIGHTINSIGHTi i FDIC Proposes Changes to Brokered Deposit Regulation David W. Perkins Specialist in Macroeconomic Policy January 6, 2020 On December 12, 2019, the Federal Deposit Insurance Corporation (FDIC) proposed changes to current rules that restrict banks that are not well capitalized from accepting brokered deposits, a perennial point of contention between banks and regulators. Recently, banks and financial technology companies have developed or begun using new arrangements that may qualify as brokered deposits. This development has refocused attention on the issue. Background Core deposits are the funds individuals or companies directly place in checking and savings accounts, primarily to utilize the safekeeping, check-writing, and money-transfer services banks provide. Brokered deposits, in contrast, are funds that a third-party broker places in a bank on behalf of a client, typically to maximize interest earned and possibly also to ensure the client does not have any one bank account that exceeds the FDICs $250,000 insurance limit. Core deposits are stickydepositors are unlikely to switch banks due to differenc