Federal Deposit Insurance Corporation

Trump Administration Explores Consolidating Banking Regulators

| Importance: 8/10

Trump administration explores consolidating banking regulators by potentially merging FDIC and OCC under Treasury Department, reducing regulatory workforce and oversight. Proposed changes include combining regulatory functions, transferring employees, and potentially eliminating independent banking …

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FIRREA Signed: $160 Billion Taxpayer Bailout of S&L Industry Fraud

| Importance: 9/10

President George H.W. Bush signs the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA), authorizing a $160.1 billion taxpayer bailout of the savings and loan industry—with $132 billion coming directly from taxpayers through higher taxes and fees. The legislation creates the …

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Lincoln Savings Collapse: $3.4 Billion Taxpayer Bailout

| Importance: 9/10

Lincoln Savings and Loan collapses the day after its parent company American Continental Corporation files bankruptcy, requiring a $3.4 billion federal bailout and leaving 23,000 mostly elderly investors with worthless bonds. The failure represents the largest single cost in the S&L crisis and …

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Silverado S&L Collapses: Neil Bush Conflict of Interest Costs Taxpayers $1 Billion

| Importance: 8/10

Silverado Savings and Loan collapses with losses exceeding $1 billion to taxpayers, exposing serious conflicts of interest involving Neil Bush, son of Vice President-elect George H.W. Bush. Neil Bush served on Silverado’s board of directors from 1985-1988, during which he approved over $130 …

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