Iyini i-FDIC?
I-Federal Deposit Insurance Corporation (i-FDIC) iyinhlangano kahulumeni wase-United States enikeza umshuwalense wokutshala imali kubatshalizimali emabhange ezentengiselwano aseMelika kanye namabhange okonga. I-FDIC yasungulwa ngoMthetho Wezamabhange ka-1933, owakhishwa phakathi noKuwohloka Okukhulu Komnotho ukuze kubuyiselwe ukwethembana ohlelweni lwebhange laseMelika. Ngaphezu kwengxenye yesithathu yamabhange yawa eminyakeni engaphambi kokusungulwa kwe-FDIC, futhi ukuqhuma kwamabhange kwakuvamile. Umkhawulo womshuwalense ekuqaleni wawuyi-US$2,500 ngesigaba ngasinye sobunikazi, futhi lokhu kwenyuswa izikhathi eziningana eminyakeni edlule. Kusukela kwamiswa umthetho we-Dodd-Frank Wall Street Reform and Consumer Protection Act ngo-2010, i-FDIC iqinisekisa imali eyibekiwe emabhange angamalungu kuze kufike ku-$250,000 ngesigaba ngasinye sobunikazi. Umshwalense we-FDIC usekelwa ukholo oluphelele nesikweletu sikahulumeni wase-United States, futhi ngokusho kwe-FDIC, "kusukela yaqala ngo-1933 akekho umtshali-zimali owake walahlekelwa ngisho nesenti lemali eqinisekiswe yi-FDIC".