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The Federal Deposit Insurance Corporation (FDIC) is a United States government corporation operating as an independent agency created by the Banking Act of 1933. As of August 2014, it provides deposit insurance guaranteeing the safety of a depositor's accounts in member banks up to $250,000 for each deposit ownership category in each insured bank. , the FDIC insured deposits at 6,638 institutions.〔(【引用サイトリンク】title=fdic key statistics )〕 The FDIC also examines and supervises certain financial institutions for safety and soundness, performs certain consumer-protection functions, and manages banks in receiverships (failed banks). The FDIC receives no congressional appropriations — it is funded by premiums that banks and thrift institutions pay for deposit insurance coverage and from earnings on investments in U.S. Treasury securities. Institutions insured by the FDIC are required to place signs at their place of business stating that "deposits are backed by the full faith and credit of the United States Government."〔12 U.S.C. section 1828(a)(1)(B). Accessible online from Cornell law: (US CODE: Title 12,1828. Regulations governing insured depository institutions )〕 Since the start of FDIC insurance on January 1, 1934, no depositor has lost any insured funds as a result of a failure.〔(【引用サイトリンク】title=FDIC: Who is the FDIC? )〕 The FDIC does not provide deposit insurance for credit unions. Most credit unions are insured by the National Credit Union Administration (NCUA); some state-chartered credit unions are privately insured. ==Ownership categories== Each ownership category of a depositor's money is insured separately up to the insurance limit, and separately at each bank. Thus a depositor with $250,000 in each of three ownership categories at each of two banks would have six different insurance limits of $250,000, for total insurance coverage of 6 × $250,000 = $1,500,000.〔 ("Your insured deposits", FDIC )〕 The distinct ownership categories are〔 * Single accounts (accounts not falling into any other category) * Certain retirement accounts (including Individual Retirement Accounts (IRAs)) * Joint accounts (accounts with more than one owner with equal rights to withdraw) * Revocable trust accounts (containing the words "Payable on death", "In trust for", etc.) * Irrevocable trust accounts * Employee Benefit Plan accounts (deposits of a pension plan) * Corporation/Partnership/Unincorporated Association accounts * Government accounts All amounts that a particular depositor has in accounts in any particular ownership category at a particular bank are added together and are insured up to $250,000. For joint accounts, each co-owner is assumed (unless the account specifically states otherwise) to own the same fraction of the account as does each other co-owner (even though each co-owner may be eligible to withdraw all funds from the account). Thus if three people jointly own a $750,000 account, the entire account balance is insured because each depositor's $250,000 share of the account is insured. The owner of a revocable trust account is generally insured up to $250,000 for each unique beneficiary (subject to special rules if there are more than five of them). Thus if there is a single owner of an account that is specified as in trust for (payable on death to, etc.) three different beneficiaries, the funds in the account are insured up to $750,000. 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Federal Deposit Insurance Corporation」の詳細全文を読む スポンサード リンク
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