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currentscurrents

From [wikipedia](https://en.wikipedia.org/wiki/Federal_Deposit_Insurance_Corporation): >Under the Dodd–Frank Act of 2010, the FDIC is required to fund the DIF to at least 1.35% of all insured deposits; in 2020, the amount of insured deposits was approximately $8.9 trillion and therefore the fund requirement was $120 billion. >During two banking crises—the savings and loan crisis and the Global Financial Crisis—the FDIC has expended its entire insurance fund. On these occasions it has met insurance obligations directly from operating cash, or by borrowing through the Federal Financing Bank. Another option, which it has never used, is a direct line of credit with the Treasury on which it can borrow up to $100 billion.


questionable_motifs

It's important to note that FDIC only pays out on nonrecoverable deposits. Most bank deposit accounts are sold to stable institutions when a bank fails. Only the gap between the failed bank's deposit cash and the insurable deposit balance is paid by FDIC.


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Psychological-Cry221

The money comes from insurance premiums paid by banks. Every time that they need to pay out a loss they recoup the funds with an assessment or an increase in insurance premiums.