GOLDTRADER COMMENTS
"We can deny our heritage and our history, but we cannot escape responsibility for the result. There is no way for a citizen of a republic to abdicate his responsibilities." Edward R. Murrow
Monday, February 16, 2026
The FDIC (Federal Deposit Insurance Corporation) (.gov) increased deposit insurance assessment rates by 2 basis points for all insured depository institutions (IDIs) starting in 2023 to rebuild the Deposit Insurance Fund (DIF) to its 1.35% statutory minimum. This followed an interim final rule in 2025 to adjust a special assessment covering 2023 bank failures, ensuring precise recovery of $16.7 billion.
Will Trump’s Legacy Be Saved If He Starts World War III? Karen Kwiatkowski https://karenkwiatkowski.substack.com/p/will-trumps-legacy-be-saved-if-he?utm_source=post-email-title&publication_id=395092&post_id=188133086&utm_campaign=email-post-title&isFreemail=true&r=nxvm&triedRedirect=true&utm_medium=email
The Financial Stability Board (FSB) Key Attributes of Effective Resolution Regimes are international standards designed to enable the resolution of failing, systemically important financial institutions (SIFIs) without systemic disruption or taxpayer exposure to loss. They provide a framework for authorities to manage failures in an orderly manner, ensuring shareholders and creditors bear losses while maintaining critical financial services.
Title II of the Dodd-Frank Act establishes the Orderly Liquidation Authority (OLA), granting the FDIC power to liquidate failing, systemically important financial institutions to prevent wider economic collapse . As an alternative to traditional bankruptcy, this process forces shareholders and creditors to absorb losses, removes responsible management, and protects taxpayers.
The Federal Register Total Loss-Absorbing Capacity (TLAC) rule, established by the Federal Reserve, requires U.S. Global Systemically Important Banks (GSIBs) and large foreign banking organizations' intermediate holding companies (IHCs) to hold minimum levels of capital and long-term debt (LTD) to absorb losses. Published in 2017 with updates in 2020, this rule ensures orderly resolution during distress.
Sunday, February 15, 2026
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