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The Federal Deposit Insurance Corporation (FDIC) The Federal Deposit Insurance Corporation (FDIC) in an independent agency of the United States Congress that was created in 1933 in a section of the Federal Reserve Act. It’s main propose is to ....

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... FDIC received all the functions from the Federal Savings and Loan Insurance Corp. (FSLIC). Now the FDIC controls two separate deposit funds, one, the Bank Insurance Fund for commercial banks, and the other, the Savings Association Insurance Funk for thrift institutions that were previously insured by the FSLIC. When an institution is closed by chartering authority, the FDIC makes payment of insured deposits to all of the failed institution’s depositors as soon as possible, usually on the next business day after the closing of the institution. The depositors who have funds in excess of the insurance limits receive the insured portion of ...