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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 Quarterly

Spring 2002

Can Risk-Based Deposit Insurance Premiums Control Moral Hazard?

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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 Davis (804) 697-8179

Economic Quarterly

Can Risk-Based Deposit Insurance Premiums Control Moral Hazard?

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