Bank Resolution and Recovery: The Good Bank-Bad Bank Model

The financial services industry is experiencing shock waves following the recent Federal Deposit Insurance Corporation (FDIC) insured bank failures. At a rate unseen since the 2008 financial crisis, three regional banks have succumbed to liquidity challenges and were either placed into FDIC receivership, or resolution, in the past week. Review the following related Practical Guidance materials for a further understanding of the FDIC’s role in winding down or managing receivership of a failed depository institution.

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Related Content    

• Systemic Risk Regulation of Systemically Important Financial Institutions
  Explore the federal regulation in place to address systemic risk and "too-big-to-fail" concerns associated with the domestic and global financial markets. The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 effected sweeping changes designed to address systemic risk by, among other things, increasing regulation and supervision of large financial firms and enhancing accountability and transparency in the financial system.

• Legal Duties and Responsibilities of Bank Directors
  Access this practice note for a discussion on the duties and oversight responsibilities of bank directors for banks insured by the FDIC. Practitioners can also gain an overview of the standard of liability for bank directors, along with regulatory and civil penalties that may be imposed for violations of law.

• Enhanced Prudential Standards for Large U.S. Banking Organizations
  See this practice for a thorough review of the enhanced prudential standards, implemented by the Federal Reserve, for large U.S. bank holding companies (BHCs) designated as Systemically Important Financial Institutions (SIFIs). The practice note also reviews the federal capital, liquidity, debt to equity, single counterparty credit, and risk management requirements.

• Enhanced Prudential Standards for Foreign Banking Organizations
  Read this practice covering the enhanced prudential standards, implemented by the Federal Reserve, for foreign banking organizations (FBOs) and their U.S. operations classified as SIFIs.  This practice note explores the standards that must be adopted to mitigate risk to the U.S. financial system.

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