The word “bank” is commonly used to refer to entities that act as financial intermediaries to coordinate the flow of resources from savers to borrowers. Commercial banks and thrifts accept deposits from savers in order to make loans to individuals, businesses, nonprofits, and governments. In federal regulatory policy, bank is often reserved for firms with special banking charters and their parent companies. This In Focus will use the term bank to refer to firms (or subsidiaries) with bank, thrift, or credit union charters that are depository institutions.
CRS Report R43002, Financial Condition of Depository Banks, by Darryl E. Getter
CRS Report R41718, Federal Deposit Insurance for Banks and Credit Unions, by Darryl E. Getter
CRS Report R41350, The Dodd-Frank Wall Street Reform and Consumer Protection Act: Background and Summary, coordinated by Baird Webel
CRS Report R43087, Who Regulates Whom and How? An Overview of U.S. Financial Regulatory Policy for Banking and Securities Markets, by Edward V. Murphy
CRS Report R42744, U.S. Implementation of the Basel Capital Regulatory Framework, by Darryl E. Getter
Date of Report: December 31, 2014
Order Number: IF10035
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