Ideas in this flowchart

• Deposit insurance and oversight of financial institutions
• The FDIC insures deposits in commercial banks and thrift institutions
• Deposits in commercial banks are insured through the Bank Insurance Fund
• Deposits in thrift institutions are insured through the Savings Association Insurance Fund
• Deposits in credit unions are insured through the National Credit Union Share Insurance Fund
• The National Credit Union Administration administers the National Credit Union Share Insurance Fund
• The FDIC sets banking policies and practices
• The FDIC reviews banks annually
• Annual reviews ensure that banks operate fairly and profitably