{
  "slug": "federal-deposit-insurance-corporation-fdic",
  "name": "Federal Deposit Insurance Corporation Fdic",
  "description": "The Federal Deposit Insurance Corporation (FDIC) is a United States government corporation that provides deposit insurance to depositors in American commercial banks and savings banks. It was created by the Banking Act of 1933 to restore trust in the American banking system. The FDIC insures deposits up to $250,000 per ownership category and also examines and supervises certain financial institutions for safety and soundness, performs consumer-protection functions, and manages receiverships of failed banks.",
  "url": "https://optimly.ai/brand/federal-deposit-insurance-corporation-fdic",
  "websiteUrl": "https://en.wikipedia.org/",
  "logoUrl": "https://logo.clearbit.com/en.wikipedia.org",
  "baiScore": null,
  "bai_tier_status": "active",
  "bai_score_status": "active",
  "archetype": null,
  "archetype_status": "active",
  "category": "Deposit Insurance & Bank Regulatory Agencies",
  "categorySlug": null,
  "keyFacts": [],
  "aiReadiness": [],
  "competitors": [],
  "competitorsProse": null,
  "inboundCompetitors": [],
  "aiAlternatives": [],
  "parentBrand": null,
  "subBrands": [],
  "updatedAt": "2026-08-25T03:09:48.066Z",
  "verifiedVitals": {
    "website": "https://en.wikipedia.org",
    "category": "Government Agency",
    "what_it_does": "The Federal Deposit Insurance Corporation (FDIC) is an independent agency created by Congress to maintain stability and public confidence in the nation's financial system. It insures deposits; examines and supervises financial institutions for safety, soundness, and consumer protection; makes large and complex financial institutions resolvable; and manages receiverships.",
    "primary_audience": "The FDIC's primary audience includes depositors in American commercial banks and savings banks, as well as consumers, bankers, analysts, and other stakeholders.",
    "core_product": "Deposit insurance.",
    "pricing_model": {
      "kind": "usage_based",
      "detail": "The FDIC is funded by assessments (premiums) that member banks and savings associations pay for deposit insurance coverage. These premiums are risk-based, with rates determined by factors such as the size and risk profile of the institution."
    },
    "parent_ownership": "Federal government of the United States."
  },
  "intentTags": {
    "problemIntents": [
      "Bank failures",
      "Loss of depositor trust",
      "Financial instability",
      "Uninsured deposits",
      "Bank runs",
      "Risk of losing savings"
    ],
    "solutionIntents": [
      "Deposit insurance",
      "Financial institution regulation",
      "Bank solvency",
      "Consumer protection in banking",
      "Financial system stability",
      "Bank examination and supervision"
    ],
    "evaluationIntents": [
      "FDIC insurance limits",
      "FDIC coverage details",
      "Bank capital requirements",
      "Safety and soundness of financial institutions",
      "Comparing deposit protection",
      "Fintech deposit insurance considerations"
    ]
  },
  "businessProfileClaims": [],
  "timestamp": 1787643311508
}