Core Insights - The Federal Deposit Insurance Corporation's Deposit Insurance Fund (DIF) reserve ratio increased to 1.40% in Q3, up four basis points [1] - The fund's balance rose by $4.8 billion, reaching $150.1 billion [2] - Assessment revenue was the main contributor to the DIF balance increase, adding $3.3 billion, while other factors contributed an additional $2.1 billion [3] Fund Performance - The increase in the DIF reserve ratio was attributed to slow growth in insured deposits, which rose by only 0.1% during the third quarter [3] - Operating expenses for the fund amounted to $570 million, partially offsetting the gains [3] Legislative Developments - Lawmakers are advocating for an increase in the insured deposit limit from the current $250,000 to prevent bank runs, as seen in the cases of Silicon Valley Bank and Signature Bank [5] - A Senate bill has been proposed to raise the insurance limit to $10 million for certain accounts, particularly those used for business operations [6] - Bank CEOs have emphasized the urgent need for deposit insurance reform following the collapse of Silicon Valley Bank in 2023 [6]