Podcasts

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.

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. 

In the banking world, risk is a fact of life. But how are banks managing those risks? FDIC researchers Kathy Kalser and Krishna Patel discuss the emerging risks that may impact our banks and the FDIC’s Deposit Insurance Fund.

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.