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How do reciprocal deposit networks interact with deposit insurance?
Abstract: Reciprocal deposit networks are designed to increase the total amount eligible for FDIC deposit insurance. In recent years, growth of the networks has accelerated, prompting a re-evaluation of the existing deposit insurance framework and raising at least three questions.
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https://www.dallasfed.org/research/economics/2025/0805
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Provider: Federal Reserve Bank of Dallas
Source: Dallas Fed Economics
Publication Date: 2025-08-05