Front Matter Page
Monetary and Exchange Affairs Department
Authorized for distribution by David S. Hoelscher
Contents
I. Introduction
II. Sources of Potential Losses to Depositors
III. Implications of Post-Resolution Delayed Depositor Access to Funds
IV. Reducing Potential Losses to Depositors
V. Procedures for Immediate and Full Payment of Depositor Claims at Resolution
VI. History of Immediate and Full Payments of Depositor Claims
VII. Disadvantages of Immediate and Full Payment of Depositor Claims
VIII. Modeling the Access Delay Decision
IX. The FDIC Survey of Depositor Access Practices Across Countries
Insured deposits
Uninsured deposits
X. Summary and Best Practices Recommendation Conclusions
References
Text Tables
1. Funds Availability of Insured Deposits
2. Funds Availability of Uninsured Deposits
Figure
1. Additional Market Discipline and Bailout Pressure