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ARTICLE · 12 JANUARY 2015

FDIC Highlights Brokered Deposits

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At the start of 2015, the Federal Deposit Insurance Corporation has issued new guidance for banks and other insured depository institutions regarding brokered deposits.

United StatesFinance and Banking
John Lawrence
John Lawrence
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At the start of 2015, the Federal Deposit Insurance Corporation ("FDIC") has issued new guidance for banks and other insured depository institutions ("banks") regarding brokered deposits.1 In a series of frequently asked questions, the agency has reminded banks of the legal limitations on such deposits, clarified what constitutes a brokered deposit, and noted reporting obligations regarding them, which apply to all banks.

Background

Bank deposits received through the efforts of deposit brokers, often from customers located far from the market area of the bank receiving the deposit, have had a checkered reputation in the past. Such deposits have often been associated with unsound or rapid expansion of loan and investment portfolios, and moral hazard in the form of imprudently high interest rates offered by problem institutions exploiting the protection of FDIC deposit insurance.

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