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Economic Commentary

Who Benefits from Increasing the Federal Deposit Insurance Limit?

Who might stand to benefit from doubling the insured-deposit limit to $200,000, and are such benefits consistent with the social objectives of federal deposit insurance?

The views authors express in Economic Commentary are theirs and not necessarily those of the Federal Reserve Bank of Cleveland or the Board of Governors of the Federal Reserve System. The series editor is Tasia Hane. This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License. This paper and its data are subject to revision; please visit for updates.

Suggested Citation

Thomson, James B. 2001. “Who Benefits from Increasing the Federal Deposit Insurance Limit?” Federal Reserve Bank of Cleveland, Economic Commentary 9/15/2001.