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Federal Deposit Insurance Corporation Improvement Act

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Federal Deposit Insurance Corporation Improvement Act
Commonly abbreviated FIDCIA. Legislation in the United States, passed in 1991, that allowed the FDIC to borrow from the United States Treasury in order to save or to liquidate savings and loan associations that were deemed to be in danger of insolvency. It required the FDIC to handle these S&Ls in the least expensive way possible. See also: Bailout Bond.


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The FTC was delayed more than a decade in writing regulations implementing section 43 of the Federal Deposit Insurance Corporation Improvement Act of 1991 because, after passing the bill, Congress refused to fund enforcement of it.
Additionally, the banking industry raised the issue of the "conflict" between the Federal Deposit Insurance Corporation Improvement Act (FDICIA) internal control requirements for banks and section 404.
Several banking laws coming out of the savings and loan scandals of the late 1980s were savaged by the banking community as overkill; at least one, the Federal Deposit Insurance Corporation Improvement Act (FDICIA), was commonly sneered at as "the lawyers' full employment act.
 
 
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