FDIC Podcast

FDIC

By speaking with thought leaders and experts in finance, the FDIC Podcast aspires to untangle the myths and mystery of the banking world, and to shed light on how every family can become part of the financial fabric of this country.

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20 episodes
Avg 17 min
English

Episodes 20

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Jan 6, 2025 · 13 min
Small Business Lending
With all of today’s financial technology, has small business lending lost ‘the human touch?’ In this episode, we dive into the results of the FDIC’s 2024 Small Business Lending Survey which finds that from the smallest banks to the largest institutions, small business loans are still generally made by…people.
S1 · E45
Nov 18, 2024 · 15 min
The Unbanked
What does it mean to be unbanked in today’s economy? In this episode, we discuss the FDIC’s 2023 National Survey of Unbanked and Underbanked Households. Tune in to hear more what the numbers tell us about who is banked, who is not banked, and why it matters whether someone is banked or not.
S1 · E44
Oct 8, 2024 · 11 min
The Power of Financial Education
In today’s financial marketplace, consumers have never had more choice in selecting the products and services that meet their needs. This episode explores the growing demand for financial education and the work the FDIC is doing to make consumers more ‘Money Smart.’
S1 · E43
Aug 19, 2024 · 13 min
The Risks of Banking
Banking is a risk business and managing risk is foundational to good banking. In this episode, we dive into the FDIC’s 2024 Risk Review to discuss the latest risks to the U.S. banking sector.
Jul 16, 2024 · 17 min
Why You Should Care About Title II
What could possibly go wrong should a global systemically important banking organization fail? In this episode, we look how the FDIC would resolve such a ‘too big to fail’ institution under Title II of the Dodd-Frank Wall Street Reform and Consumer Protection Act.
May 20, 2024 · 18 min
Material Loss Reviews
When an FDIC-supervised bank fails, and the resulting cost to the Deposit Insurance Fund exceeds $50 million, the agency’s Office of Inspector General is required by law to conduct a ‘material loss review.’ In this episode, we learn what these material loss reviews are and why they’re important to our understanding of the reasons for bank failures and the FDIC’s supervision of banks.
S1 · E40
Apr 18, 2024 · 29 min
The Power of Partnership
Minority banks play a critical role in serving communities that have historically lacked access to credit and capital. In this episode, we meet two bankers—one from a small minority bank and the other from a large global financial institution. Together, they discuss the power of their partnership to make certain the banking system works for everyone.
S1 · E39
Mar 5, 2024 · 28 min
Success in Community Banking
Community banks have long gained a reputation for being successful based on their deep roots in the communities they serve. But in an age of digital banking and online payment systems, what does success even look like for community banks in 2024 and beyond?
S1 · E27
Jan 11, 2024 · 17 min
Living Wills
Nobody wants to think about failure but in the banking world, planning for an orderly failure of a large bank can be crucial in preventing taxpayer-funded bailouts or widespread disruptions to the financial system. In this episode, Ryan Tetrick, the FDIC’s Deputy Director of Resolution Readiness, discusses “living wills,” a popular term to describe a plan for when a large bank fails.
Dec 13, 2023 · 11 min
Deposit Insurance Reform
Following two large bank failures earlier this year, the FDIC began to examine possible options for reforming its deposit insurance framework. In this episode, we examine three options for deposit insurance reform with FDIC senior economists Jonathan Pogach and Rosalind Bennett.
Jan 24, 2023 · 24 min
Relationship Lending in the Digital Age
In an age when most people access banking through digital channels, is there a future for old-school relationship lending? In this episode, we discuss whether the explosion of financial technology spells the end of human-to-human banking.
Jan 6, 2023 · 19 min
Banking in Rural America
Banking in rural America can be a very different experience than banking in cities and suburbs. In this episode, we speak with Donna Gambrell who leads Appalachian Community Capital and Kent Curtis of First Southwest Community Bank in rural Colorado. Together, they describe the unique banking needs for those who live and work in less populated areas across our country.
Nov 29, 2022 · 15 min
Deposit Insurance Explained (Part Two)
In the second in our two-part podcast series, FDIC’s Chief of Deposit Insurance Martin Becker returns to discuss the risks consumers need to keep in mind when it comes to deposit insurance—from companies that misrepresent their products as ‘FDIC-insured’ to legitimate firms offering pass-through deposit insurance coverage.
Oct 26, 2022 · 16 min
The Unbanked and Underbanked
96 percent of all U.S. households had at least one bank or credit union account in 2021 and the percentage of unbanked households fell to a record low. FDIC Analysts Keith Ernst and Karyen Chu describe the findings of the FDIC’s 2021 National Survey of Unbanked and Underbanked Households and the work being done to bring more people into the financial fabric of our nation.
Aug 17, 2022 · 15 min
Deposit Insurance Explained (Part One)
Federal deposit insurance is at the heart of FDIC’s mission. But who is protected and what products are covered by deposit insurance? FDIC’s Chief of Deposit Insurance Martin Becker answers some of the frequently asked questions about what deposit insurance is…and what it isn’t.
Jul 21, 2022 · 13 min
The Risks of Banking
In the banking world, risk is a fact of life. Identifying and managing those risks are critical functions of bankers and bank regulators alike. But what are the risks to our banks? In our latest episode of the FDIC Podcast, we break down the potential challenges for the banking system —from rising interest rates and inflation to cyber threats, illicit activity and climate-related risks. We invite you to listen as FDIC researchers Kathy Kalser and Krishna Patel discuss the new 2022 Risk Review, our latest comprehensive summary of the emerging risks to FDIC-insured institutions and the FDIC’s Deposit Insurance Fund.
Jun 17, 2022 · 16 min
The Impact of Minority Banks
In the history of our country, minority banks were created to serve people and places that were denied access to the mainstream banking system. Today, these banks are still making a big impact in communities of color. Nicole Elam of the National Bankers Association and economists Karyen Chu and Kristen Broady discuss how these institutions are ‘punching above their weight’ in 2022.
May 18, 2022 · 18 min
Banking in Indian Country
In this episode of the FDIC Podcast, we look at banking in Indian Country with two bankers who lead Native-owned and operated institutions and who work and lend in communities, where if not for these banks, there may not be a bank at all —Tom Ogaard of Native American Bank and Susan Plumb of Bank of Cherokee County.
Mar 8, 2022 · 14 min
Looking Back on 2021
In this episode of the FDIC Podcast, we look back on 2021 to see how our nation’s banks fared in a year that was still very much impacted a global pandemic and its economic consequences. FDIC senior financial analysts Pat Mitchell and Meg Hanrahan break down the latest annual report card on the condition of the U.S. banking system.
Feb 15, 2022 · 18 min
Minority and Community Development Banking
In the first episode ofour new series, Banking on Inclusion, the FDIC’s Betty Rudolph and Nicole Elam of the National Bankers Association explore the world of Minority Depository Institutions (MDIs) and Community Development Financial Institutions (CDFIs). These ‘mission-driven banks’ play an outsized role in the economic life of the communities they serve.

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