to 
the 
standard 
maximum 
deposit 
insurance 
amount’’. 
(2) Subsection (a) of section 18 of the Federal 
Deposit Insurance Act (12 U.S.C. 1828(a)) is amend-
ed to read as follows: 
‘‘(a) INSURANCE LOGO.— 
‘‘(1) INSURED DEPOSITORY INSTITUTIONS.— 
‘‘(A) IN GENERAL.—Each insured deposi-
tory institution shall display at each place of 
business maintained by that institution a sign 
or signs relating to the insurance of the deposits 
of the institution, in accordance with regulations 
to be prescribed by the Corporation. 
‘‘(B) STATEMENT TO BE INCLUDED.—Each 
sign required under subparagraph (A) shall in-
clude a statement that insured deposits are 
backed by the full faith and credit of the United 
States Government. 
‘‘(2) REGULATIONS.—The Corporation shall pre-
scribe regulations to carry out this subsection, includ-
ing regulations governing the substance of signs re-
quired by paragraph (1) and the manner of display 
or use of such signs. 
‘‘(3) PENALTIES.—For each day that an insured 
depository institution continues to violate this sub-
section or any regulation issued under this subsection, 
it shall be subject to a penalty of not more than $100, 
which the Corporation may recover for its use.’’. 
(3) Section 43(d) of the Federal Deposit Insur-
ance Act (12 U.S.C. 1831t(d)) is amended by striking 
‘‘$100,000’’ and inserting ‘‘an amount equal to the 
standard maximum deposit insurance amount’’. 
(4) Section 6 of the International Banking Act 
of 1978 (12 U.S.C. 3104) is amended— 
(A) by striking ‘‘$100,000’’ each place such 
term appears and inserting ‘‘an amount equal to 
the 
standard 
maximum 
deposit 
insurance 
amount’’; and 
(B) by adding at the end the following new 
subsection: 
‘‘(e) STANDARD
MAXIMUM
DEPOSIT
INSURANCE 
AMOUNT DEFINED.—For purposes of this section, the term 
‘standard maximum deposit insurance amount’ means the 
amount of the maximum amount of deposit insurance as 
determined under section 11(a)(1) of the Federal Deposit 
Insurance Act.’’. 
(g) CONFORMING CHANGE TO CREDIT UNION SHARE 
INSURANCE FUND.— 
(1) IN GENERAL.—Section 207(k) of the Federal 
Credit Union Act (12 U.S.C. 1787(k)) is amended—
(A) by striking ‘‘(k)(1)’’ and all that follows 
through the end of paragraph (1) and inserting 
the following: 
‘‘(k) INSURED AMOUNTS PAYABLE.— 
‘‘(1) NET INSURED AMOUNT.— 
‘‘(A) IN GENERAL.—Subject to the provi-
sions of paragraph (2), the net amount of share 
insurance payable to any member at an insured 
credit union shall not exceed the total amount of 
the shares or deposits in the name of the member 
(after deducting offsets), less any part thereof 
which is in excess of the standard maximum 
share insurance amount, as determined in ac-
cordance with this paragraph and paragraphs 
(5) and (6), and consistently with actions taken 
by the Federal Deposit Insurance Corporation 
under section 11(a) of the Federal Deposit Insur-
ance Act. 
‘‘(B) AGGREGATION.—Determination of the 
net amount of share insurance under subpara-
graph (A), shall be in accordance with such regu-
lations as the Board may prescribe, and, in de-
termining the amount payable to any member, 
there shall be added together all accounts in the 
credit union maintained by that member for that
member’s own benefit, either in the member’s 
own name or in the names of others. 
‘‘(C) AUTHORITY TO DEFINE THE EXTENT 
OF
COVERAGE.—The Board may define, with 
such classifications and exceptions as it may 
prescribe, the extent of the share insurance cov-
erage provided for member accounts, including 
member accounts in the name of a minor, in 
trust, or in joint tenancy.’’; 
(B) in paragraph (2)— 
(i) in subparagraph (A)— 
(I) in clauses (i) through (v), by 
moving the margins 4 ems to the right; 
(II) in the matter following clause 
(v), by striking ‘‘his account’’ and all 
that follows through the period; and 
(III) by striking the semicolon at 
the end of clause (v) and inserting a 
period; 
(ii) by striking ‘‘(2)(A) Notwith-
standing’’ and all that follows through ‘‘a 
depositor or member who is—’’ and insert-
ing the following: 
‘‘(2) MUNICIPAL DEPOSITORS OR MEMBERS.—
‘‘(A) IN
GENERAL.—Notwithstanding any 
limitation in this Act or in any other provision 
of law relating to the amount of insurance avail-
able to any 1 depositor or member, deposits or 
shares of a municipal depositor or member shall 
be insured in an amount equal to the standard 
maximum share insurance amount (as deter-
mined under paragraph (5)), except as provided 
in subparagraph (B). 
‘‘(B) IN-STATE MUNICIPAL DEPOSITORS.— 
In the case of the deposits of an in-State munic-
ipal depositor described in clause (ii), (iii), (iv), 
or (v) of subparagraph (E) at an insured credit 
union, such deposits shall be insured in an 
amount equal to the lesser of— 
‘‘(i) $2,000,000; or 
‘‘(ii) the sum of the standard max-
imum deposit insurance amount and 80 
percent of the amount of any deposits in ex-
cess of the standard maximum deposit in-
surance amount. 
‘‘(C) RULE OF CONSTRUCTION.—No provi-
sion of this paragraph shall be construed as au-
thorizing an insured credit union to accept the 
deposits of a municipal depositor in an amount