FDIC insurance protects up to $250,000 per depositor, per bank, per ownership category, leaving balances above that limit uninsured if a bank fails. While bank failures are rare, they can spike during ...

Congress can and should enact meaningful deposit insurance reform, but the current proposal before lawmakers is misguided, writes Christopher Williston, of the Independent Bankers Association of Texas ...

Each government failure becomes an excuse to do more of what failed. It is sad but not surprising to see this expensive and destructive cycle of failure repeat itself with banking regulation.

On April 9, 2026, the Federal Deposit Insurance Corporation (“FDIC”) issued a Notice of Proposed Rulemaking (the “FDIC Proposal”) to implement the Guiding and Establishing National Innovation for U.S.

A proposed increase to federal deposit insurance levels for certain business accounts is a necessary reform that will support community banks and the communities they serve, writes Jack Hopkins, of ...