FDIC Deposit Insurance Assessments

Current understanding

To be populated as evidence accumulates.

Evidence log

• 2026-06-25 — Bank Failure Accountability Act: cross-connection with bank-failure-accountability-act: Bank failure accountability measures interact with FDIC’s role in resolving failed banks and funding losses through deposit insurance assessments. (novelty: 3)
• 2026-02-05 — Main Street Depositor Protection Act: Main Street Depositor Protection Act (S.2999) introduced and under Senate committee consideration; may have downstream implications for FDIC deposit insurance framework and Part 327 assessments depending on bill text. (novelty: 2)
• 2026-03-25 — Growing Deposit Insurance for the Future Act: HR8088 (Growing Deposit Insurance for the Future Act) introduced and referred to House Financial Services in the 119th Congress, proposing changes to deposit insurance coverage limits that could affect the Deposit Insurance Fund and Part 327 assessment base. (novelty: 2)
• 2026-03-25 — To require the Federal Deposit Insurance Corporation and the National Credit Union Administration to carry out an analysis to determine whether insurance coverage should be raised on covered transaction accounts, and for other purposes.: HR8090 introduced, would require FDIC (jointly with NCUA) to analyze whether deposit insurance coverage on covered transaction accounts should be raised — any resulting coverage increase could affect the Deposit Insurance Fund and the assessment base used in Part 327 rates. (novelty: 2)
• 2026-03-25 — Main Street Depositor Protection Act: Main Street Depositor Protection Act (S.4198, 119th Cong.) introduced and referred to Senate Banking Committee; potential downstream implications for FDIC deposit insurance framework pending bill text review. (novelty: 2)

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