Deposit insurance in the United States

The bachelor's thesis focuses on the deposit insurance system in the United States, with particular emphasis on the development, functioning, and institutional framework of the Federal Deposit Insurance Corporation (FDIC). It describes the establishment and evolution of this institution since 1933, including its responses to major financial crises such as the Savings and Loan crisis, the 2008 financial crisis, and the collapse of Silicon Valley Bank. Furthermore, the thesis analyzes the tools of bail-out and bail-in, their practical application, their impact on public trust, and the issue of moral hazard. The final section compares the American and European deposit insurance models in terms of coverage limits, institutional framework, funding mechanisms, payout procedures, and crisis response capabilities.