Federal Deposit Insurance Corporation

Stories

The FDIC just cut the SVB/Signature “bailout bill” — and added a refund clause

Collector and scorekeeper for the SVB/Signature systemic-risk losses

The FDIC spent 2024–2025 billing big banks for the emergency decision to make SVB and Signature depositors whole. Now, with one quarter left in the planned eight-quarter collection, the agency is lowering that final rate and trying to prevent an awkward ending: collecting more than the losses it's legally required to recover.

Updated May 15

U.S. regulators dismantle post-crisis limits on leveraged lending

Rule Changes

Bank regulator and deposit insurer withdrawing from guidance

In March 2013, U.S. bank regulators issued joint supervisory guidance on leveraged lending to prevent a return of pre-2008-style underwriting excesses, with examiners informally anchoring scrutiny around a roughly six-times-EBITDA leverage benchmark. Over the next decade, banks' pullback shifted riskier deal finance toward private-credit funds, CLOs, and other nonbanks—expanding an opaque "shadow banking" ecosystem even as regulators maintained the guidance was supervisory, not a binding rule.

Updated May 9