Steven Kelly @StevenKelly49
Senior Advisor, @FDICgov. Former director at the Yale Program on Financial Stability. Still an academic at parties. withoutwarningresearch.com [email protected] Joined March 2019-
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More FDIC Chair Hill: A de minimis exception to the least-cost test "would help mitigate the perception of a two-tier deposit insurance regime, where uninsured depositors take losses at small banks but not large banks"
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"Over the last 3 years, there have been 3 failures in which uninsured depositors took losses. [...] Choosing transactions that covered uninsured deposits at all of those three small banks would have cost less than .05% of the cost" of doing so for SVB. fdic.gov/news/speeches/…
@ZaringDavid Fed did through SR: federalreserve.gov/newsevents/pre…
Seriously this movie needs to be in the mix of popular banking/finance/crisis movies
Proper bank run in this movie too. A shame that “It’s A Wonderful Life” is usually the go-to reference—not least because George Bailey’s firm was a building and loan association, not a bank, and thus had no demand deposits: stlouisfed.org/open-vault/202…
Bro had the Depression figured out 30 years before Friedman & Schwartz and 50 years before Bernanke 🎥: “American Madness” (1932)
@TealComet For sure. My comment was just regarding financial writing
Alternatively, just say “two.” Financial writing is replete with “more than half a dozen” (seven), “nearly all ten” (eight? nine?), etc. If it’s countable, just say the number.
The new AP Stylebook, 58th Edition, includes an entry for couple of, which clarifies that it always means two.
If 48 were surveyed, say the number that responded x. “Nearly two thirds of respondents” is for when 16,784 are surveyed
@ZaringDavid Prior rulemaking: fdic.gov/news/press-rel…
Winters’s presentation “said AI can reduce the manual work involved in making sure the bank abides by changing regulations—a mammoth task for financial institutions since the 2008-9 crisis.”
Standard Chartered’s CEO touched a nerve when he said his bank would replace “lower-value human capital” with artificial intelligence on.wsj.com/4eToM1Z
“A few participants commented on the possibility that the Committee could consider extending the terms of swap lines beyond one year, noting that a longer extension would be beneficial for financial stability.”
We have posted the minutes from the #FOMC meeting held April 28-29, 2026: federalreserve.gov/newsevents/pre…
“Many primary dealers indicated […] their willingness to use SRPs would increase meaningfully if SRP transactions were centrally cleared. Respondents also noted that the legally required two-year lagged public disclosure of SRP transactions was a strongly discouraging factor.”
Today's article highlights results from a recent Desk survey of primary dealers and the Fed’s Senior Financial Officer Survey. The results suggest SRP counterparties willingness to use SRPs has improved recently in response to operational changes and Fed communications.
Steven Kelly retweeted
For researchers interested in U.S. banking and finance, we are sharing a new data resource! It contains information on bank balance sheets, bank runs, and bank failures from the 19th century to the present:
FDIC staff have painstakingly reconstructed the daily deposit outflow data for the runs on SVB, Signature, and First Republic. Great insights from my colleagues here: fdic.gov/center-financi…
“I lost a lot of cushions — there is no fudging,” said Sandy Kaul, head of innovation at investment giant Franklin Templeton. “It’s written into the code. I can’t call someone up and say I need five more minutes.”
JPMorgan and other big Wall Street firms are using crypto's underlying technology to transform a key corner of the financial market. (No, not stocks) I encourage you to click this link and enjoy a session of hypnoblockchaining through the lead graphic. bloomberg.com/news/features/…
@khaslett Right?? Would love to have a similar document for ‘08
Here’s how one former bank employee managed to help the FDIC repo a jet in 1976: “I’m not really with the Kingston Trio. I’m with the FDIC.”
Spirit’s collapse left dozens of bright yellow jets scattered around the country. Picking them up is the job of repo men with a special set of skills. on.wsj.com/3RybbTS
@khaslett We truly were born too late
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