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Reforming deposit insurance: lessons from the savings and loan crisis


  • Michael Dotsey
  • Anatoli Kuprianov


A history of the collapse of the savings and loan industry. The authors contend that FSLIC’s institutional structures, established decades ago, made a thrift crisis inevitable. Poorly designed incentive structures strongly encouraged regulators and thrift managers to delay proper action when thrifts became insolvent. The authors present recommendations to prevent a recurrence of the crisis.

Suggested Citation

  • Michael Dotsey & Anatoli Kuprianov, 1990. "Reforming deposit insurance: lessons from the savings and loan crisis," Economic Review, Federal Reserve Bank of Richmond, issue Mar, pages 3-28.
  • Handle: RePEc:fip:fedrer:y:1990:i:mar:p:3-28:n:v.76no.2

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    References listed on IDEAS

    1. Stephen P. Zeldes, 1989. "Optimal Consumption with Stochastic Income: Deviations from Certainty Equivalence," The Quarterly Journal of Economics, Oxford University Press, vol. 104(2), pages 275-298.
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    Cited by:

    1. Anatoli Kuprianov, 1993. "Over-the-counter interest rate derivatives," Economic Quarterly, Federal Reserve Bank of Richmond, issue Sum, pages 65-94.


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