The Payoff Method Used by the FDIC to Address the Insolvency

question 47

Multiple Choice

The payoff method used by the FDIC to address the insolvency of a bank is when the FDIC:

• A) pays the owners of the bank for the losses they would otherwise face.
• B) pays off all depositors the balances in their accounts so no depositor suffers a loss, though the owners of the bank may suffer losses.
• C) pays off the depositors up to the current $250,000 limit, so it is possible that some depositors will suffer losses.
• D) takes all of the assets of the bank, sells them, pays off the liabilities of the bank in full, and then replenishes their fund with any remaining balance.

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Definitions:

Oucher Scale

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The recovery phase following surgery, involving monitoring, pain management, and care to ensure proper healing.

Morphine

A powerful opioid pain medication derived from opium, used to relieve severe pain.