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 [3] Legislative Developments - Lawmakers are advocating for an increase in the insured deposit limit from the current $250,000, with proposals suggesting a cap of up to $10 million for certain accounts [5][6] - The push for deposit insurance reform is a response to the bank runs experienced in March 2023, particularly affecting Silicon Valley Bank and Signature Bank [5][6] Historical Context - The FDIC has been working to rebuild the Deposit Insurance Fund since 2020, following a drop in the reserve ratio below the legally required level due to a surge in deposits [4]