Master FDIC insurance rules to protect client assets and ensure regulatory compliance.
The nuances of FDIC insurance coverage remain unclear to many, particularly in light of recent high-profile bank failures in 2023. With evolving regulations, recent changes to supervisory priorities and increasing complexity in deposit structures, the risk of uninsured deposits and mismanaged customer expectations continues to rise. This presentation offers practical guidance on navigating FDIC insurance rules, maximizing coverage through strategic account structuring, and understanding the legal and procedural aspects of FDIC receiverships. Attendees will gain insights into the claims process, recent regulatory changes, and risk mitigation strategies, making this session valuable for professionals advising clients or managing institutional deposits. Mastering these rules is critical for protecting client assets, ensuring regulatory compliance, and anticipating the impact of future bank failures.
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Why Lorman?
Over 38 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.
Agenda
Understanding the FDIC: What It Is and What It Isn't
- Overview of FDIC's Statutory Authority and Insurance Function
- Common Misconceptions About FDIC Coverage Limits and Scope
- FDIC's Role in Bank Failures and Financial System Stability
Deposit Insurance Coverage Rules and Maximization Strategies
- Categories of Deposit Insurance (Single, Joint, Retirement, Trust, Business, etc.)
- Structuring Accounts to Maximize Deposit Insurance Across Ownership Categories
- Special Focus on FDIC's Proposed Custodial Account Recordkeeping Rule
Receiverships, Bank Failures and Transaction Types
- Overview of Receiverships and FDIC's Resolution Tools
- Purchase and Assumption Agreements - Whole Bank vs. Insured Deposit Only
- Case Studies: Silicon Valley Bank, Signature Bank, and First Republic
- FDIC Acting Chairman Travis Hill Signals Change of Direction on Failed Bank Resolutions
Claims Process, Risk Mitigation and Legal Considerations
- FDIC Claims Process and Payment Timelines
- Qualified Financial Contracts (QFCs), Netting, and Set-off Rights
- Understanding Counterparty Risk and FDIC 'Superpowers' in Resolution
Looking Ahead: New Regulations, Bailout Legislation, and Strategic Takeaways
- FDIC's Proposed Custodial Account Recordkeeping Rule
- Legislative Activity Post-2023 Bank Failures and Implications for Financial Institutions
- Strategic Considerations for Legal and Banking Professionals to Navigate Future Events
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Why Lorman?
Over 38 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.
Credits
OnDemand Course
This course was last revised on June 12, 2025.
Call 1-866-352-9540 for further credit information.
- AK CLE 1.0
- Alaska attorneys may receive 1.0 hours of continuing legal education for completing this program. Please contact the Alaska Bar Association or go to www.alaskabar.org for details regarding reciprocity with other states.
- AL CLE 1.1
- This course or a portion thereof has been approved by the Alabama State Mandatory Continuing Legal Education Commission for a maximum of 1.1 hours credit.
- AR CLE 1.0
- This course has been approved for 1.0 hours of CLE by the Arkansas CLE Board.
- Arizona CLE 1.0
- The Arizona State Bar does not pre-approve or pre-certify MCLE programs. However, records of this program and attendance will be maintained by Lorman Education Services for auditing purposes. This activity may qualify for up to 1.0 hours toward your annual CLE requirement for the State Bar of Arizona.
- CA MCLE 1.0
- Lorman Education Services is a State Bar of California approved MCLE sponsor and this course qualifies for 1.0 CLE hours of participatory credit.
- CT CLE 1.0
- Neither the Connecticut Judicial Branch nor the Commission on Minimum Continuing Legal Education approve or accredit CLE providers or activities. This course has been approved for CLE credit in jurisdictions aside from CT and therefore it automatically meets the content and delivery requirements in Connecticut. Credit is based on a 60 minute credit hour and shall be awarded as follows: 1.0 CLE credit(s).
- GA CLE 1.0
- This program has been approved by the Georgia Commission on Continuing Lawyer Competency for 1.0 CLE hours.
- HI CLE 1.0
- This program was approved by the Hawaii State Board of Continuing Legal Education for 1.0 CLE credit hours.
- IL CLE 1.0
- This course was approved for a total of 1.0 hours of MCLE Credit by the Illinois MCLE Board.
- IN CLE 1.1
- This program has been approved by the Indiana Commission on Continuing Legal Education. Participating attorneys are eligible to receive up to 1.1 hours of Distance Education credit.
- MO CLE 1.3
- This course qualifies for self-study CLE credit in Missouri.
- ND CLE 1.0
- North Dakota CLE policy does not allow for pre-approval of any self-study courses. This course may qualify for up to 1.0 hours of CLE credit.
- NH MCLE 1.0
- NH MCLE does not approve or accredit CLE activities for the NH Minimum CLE requirement. Lorman Education Services believes this Ondemand course meets the requirement of NH Supreme Court Rule 53 and may qualify for CLE credit(s). Program Length: 67 Minutes.
- NJ CLE 1.3
- This program has been approved by the Board on Continuing Legal Education of the Supreme Court of New Jersey for 1.3 hours of total CLE credit.
- NM CLE 1.0
- This program has been approved by the New Mexico Minimum Continuing Legal Education Board for 1.0 hours of credit.
- NV CLE 1.0
- This program has been approved by the Nevada Board of Continuing Legal Education for 1.0 CLE hours.
- NY CLE 1.0 including Areas of Professional Practice 1
- This course has been approved in accordance with the requirements of the New York Continuing Legal Education Board for up to a maximum of 1.0 credit hours in the area(s) of Areas of Professional Practice for 1.00 hour. Each hour may be counted only as satisfying one category of credit. Duplicate credit for the same hour of instruction is not permitted. This course qualifies for both established and newly admitted attorneys. Lorman Education- Noggin Guru, Inc. has a financial hardship guideline. Please contact customer service at 1.866.352.9539 for instructions on how to apply.
- PA CLE 1.0
- This Distance Learning program has been approved by the Pennsylvania Continuing Legal Education Board for 1.0 hours of substantive law, practice and procedure CLE credit.
- WI CLE 1.0
- This program qualifies for 1.0 hour(s) of ondemand CLE through the WI Board of Bar Examiners.
- WV MCLE 1.3
- This program has been approved by the West Virginia State Bar MCLE Commission for 1.3 MCLE hours.
To earn each credit Lorman offers through the OnDemand learning platform, you need to watch 100% of the program. Also, for certain credits you will need to fulfill additional requirements which will be displayed on the "credits" tab when viewing the course.
This program does NOT qualify, nor meet the National Standard for NASBA accreditation.
MP3 Download
- AK CLE 1.0
- Arizona CLE 1.0
- CA MCLE 1.0
- CT CLE 1.0
- HI CLE 1.0
- MO CLE 1.3
- NM CLE 1.0
- VT CLE 1.0
- WV MCLE 1.3
This program does NOT qualify, nor meet the National Standard for NASBA accreditation.
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Why Lorman?
Over 38 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.
Faculty
Matthew Hanaghan
Nutter McClennen & Fish
Matthew D. Hanaghan
- Of Counsel at the law firm of Nutter McClennen & Fish
- Practice focuses on corporate and regulatory advice to banks, savings associations, and other financial institutions
- Member of the firm’s Banking and Financial Services practice group and is the editor of the Nutter Bank Report
- Member of the American Bar Association, Banking Law Committee
- J.D. Degree, University of Pennsylvania Law School; B.A. Degree, Indiana University
- Can be contacted at 617.439.2583, or [email protected]
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Why Lorman?
Over 38 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.
All of your training, right here at Lorman.
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