The Federal Home Loan Bank system (FHLB) has evolved into a major source of liquidity for the banking system with the demonstrated ability to borrow over a trillion dollars in world financial markets based on an implied U. S. Treasury guarantee. The FHLB loans the borrowed funds to commercial...

A seldom discussed part of the 2010 Dodd-Frank Act (DFA) is how the deposit insurance assessment alteration impacted different types of banks. We provide details of the reform and investigate the effects on the banking industry. The DFA called for an expansion of the assessment base used to...