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 Home  > Deposit Insurance > The Deposit Insurance Funds > Deposit Insurance Fund ManagementDeposit Insurance Fund Management
	
	Regarding the Deposit Insurance Fund (DIF) balance, the Dodd-Frank Wall Street Reform and Consumer Protection Act provides the following:
Establishes a minimum Designated Reserve Ratio (DRR) of 1.35 percent of estimated insured deposits or the comparable percentage of the new assessment base, average consolidated total assets minus average tangible equity

If the reserve ratio falls below 1.35 percent, or the FDIC projects that the reserve ratio will, within 6 months, fall below 1.35 percent, the FDIC generally must adopt a restoration plan that provides that the DIF will return to 1.35 percent within 8 years

Notwithstanding that 8 year requirement, however, the FDIC must take steps as necessary for the reserve ratio to reach 1.35 percent of estimated insured deposits by September 30, 2020

The FDIC must offset the effect on small institutions (less than $10 billion in assets) of the requirement that the reserve ratio reach 1.35 percent by September 30, 2020, rather than 1.15 percent by the end of 2016

If the reserve ratio exceeds 1.5 percent, the FDIC must dividend to DIF members the amount above the amount necessary to maintain the DIF at 1.5 percent, but the FDIC Board of Directors may, in its sole discretion, suspend or limit the declaration of payment of dividends

For at least five years, the FDIC must make available to the public the reserve ratio and the Designated Reserve Ratio using both estimated insured deposits and the new assessment baseAs the Fund balance dropped to be below 1.25 percent near the end of 2006, the FDIC began taking steps to maintain the Fund balance and liquidity. Following are the related actions taken by the FDIC Board since then.


		    **2011**
		    Final Rule of Assessments, Dividends, Assessment Base, and Large Bank Pricing - PDF**2010**
		    Notice of Proposed Rulemaking on Assessment Base and Assessment Rates � PDFNotice of Proposed Rulemaking on Assessments for Large Banks � PDFMemorandum and resolution re: Restoration Plan - PDFRestoration Plan - PDFNotice of Proposed Rulemaking on Assessment Rates, Dividends and the Designated Reserve Ratio - PDFFinal Rule Regarding Extension of the Transaction Account Guarantee Program (Second Half 2010) - PDFMemorandum: Deposit Insurance Fund Loss, Income and Reserve Ratio Projection Update for the Restoration Plan - PDF**2009**
		    Final Rule on Prepaid Assessments
				
		      Board Memorandum: Special Assessment, Restoration Plan, and Proposal for Maintaining Fund Liquidity

		      Proposal for Maintaining Fund Liquidity

		      Deposit Insurance Fund Restoration Plan

		      FIL-58-2009
		            Prepaid Assessments: Notice of Proposed Rulemaking
                    
  		      Final Rule Regarding Extension of the Transaction Account Guarantee Program (First Half 2009)
- PDF                  
                    
                    

		      FIL-23-2009
		            Special Assessment: Final Rule

		      FIL-12-2009
		            Deposit Insurance Assessments: Final Rule on Assessments;
		            Amended FDIC Restoration Plan; Interim Rule on Emergency
		            Special Assessment**2008**
		    Final
			          Rule on Assessment Rates for the First Quarter of 2009 – December
		      16, 2008 - PDF
		        Memorandum
		              to the Board on Restoration Plan, Notice of Proposed Rulemaking
		              on Risk-Based Assessments, and the Designated Reserve Ratio
		              for 2009
				 � October 6, 2008 - PDF
		        Establishment
		              of FDIC Restoration Plan - PDF   
			      
			  Notice
			        of Proposed Rulemaking on Assessments  � October 16, 2008 � PDF292kb
		         
		      Assessment Rates for 2008 – March 10, 2008 - PDF83kb2007
		    Outlook for the Deposit Insurance Fund (DIF) - May 7, 2007 HTML
		            PDF
  83kb2006
		    Economic Conditions and Emerging Risks in Banking � November 2, 2006 HTML
 PDF

	            Final
		                Rule on Risk-Based Assessments � November 2, 2006 HTML 
		            PDFLast Updated 02/28/2011
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