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About Us
We’re one of 12 regional Federal Reserve Banks working together with the Board of Governors to support a healthy economy. Our job is to serve the American public — to serve you. And our mission is to foster economic stability and strength.

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Economic Research
We conduct research to support policymaking and thought leadership on issues important to the Federal Reserve and the Fifth District. We also inform the public through our data and economic analysis, publications, presentations and educational resources.

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Banking & Supervision
We help ensure our financial system is operating safely and effectively, and we help support secure and efficient methods to transfer your funds through our financial system.
Education
We work with teachers, students and the public to enhance understanding of economics, personal finance and the Federal Reserve.

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Community Development
We work with community partners to identify and address economic challenges and opportunities in low- and moderate-income communities in the Fifth District.

Economic Quarterly

Spring 2002

Can Risk-Based Deposit Insurance Premiums Control Moral Hazard?

It is commonly thought that risk-based deposit insurance premiums can control the moral hazard inherent in deposit insurance. That view is wrong; other devices—such as state-contingent payments and supervisory exams—are needed as well.

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Lisa Kenney (804) 697-8179

Economic Quarterly

Spring 2002

Can Risk-Based Deposit Insurance Premiums Control Moral Hazard?

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