Related Consumer Finance Programs - The following sub-directories of companies offer a wide variety of financial programs to assist you with the management of your finances. Consolidate debt with a consolidation loan or use a debt counseling service or mortgage refinance for help with the consolidation of your charge card debt and other monthly payments.

• Need Personal Loan - Need a smaller loan for the consolidation of your credit cards? Personal loan credit is typically unsecured and does not require you to provide security in the form of your assets, such as your car or other personal assets.
• Debt Settlement Companies - Finding yourself in the common situation of being unable to meet your credit card payments month after month? The negotiation of your bills may be a good solution for getting you back on track with your financial obligations. Compare various programs and see if this option is right for you.
• Debt Consolidation Program - If you have a large amount of  credit card and other debts, now may be a good time to consolidate your debt and lower your payments.

FDIC Insurance: You've Got Questions, We've Got Answers

What happens to my FDIC coverage if I have accounts at two different banks that merge and the combined funds exceed the insurance limit?

When two institutions merge, the FDIC provides a "grace period" that temporarily protects depositors who had funds at both banks. In general, accounts at the two institutions before the merger would continue to be separately insured for six months after the merger—and longer for some certificates of deposit (CDs). When a CD is assumed by another bank as a result of a merger, it continues to be separately insured until the earliest maturity date after the end of the six-month period. "The grace period is intended to give customers an opportunity to restructure their accounts if the merger results in deposits that would exceed the insurance limit," explained Kate Spears, an FDIC Senior Consumer Affairs Specialist.

FDIC Consumer News is published by the Federal Deposit Insurance Corporation

FDIC Consumer News is produced quarterly by the FDIC Office of Public Affairs in cooperation with other Divisions and Offices. It is intended to present information in a nontechnical way and is not intended to be a legal interpretation of FDIC or other government regulations and policies. Mention of a product, service or company does not constitute an endorsement.

Find current and past issues of FDIC Consumer News at http://www.fdic.gov/consumernews. Refer to this same index to locate the issues that are specially formatted for being reprinted in any quantity.

To receive an e-mail notice about each new issue of FDIC Consumer News posted on the FDIC Web site, with links to stories, follow instructions posted at www.fdic.gov/about/subscriptions/index.html.

Last updated on 11/08/2007

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