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Opinion | Biden wants to cut bank fees He s overlooking a program that already does that

The Biden administration is looking to cut bank fees, but they're ignoring an existing program that gives lower-income Americans an alternative.

United statesPrasad krishnamurthyJoe bidenTreasury departmentFederal reserveConsumer financial protection bureauUs postal serviceComerica bankPresident joe bidenDirect expressSocial securityOverdraft feesJoe bidenChecking accountBank accountHidden fees

Biden wants to cut overdraft fees He s overlooking a program that already does that

The Biden administration is looking to cut bank fees, but they're ignoring an existing program that gives lower-income Americans an alternative.

United statesJoe bidenPrasad krishnamurthyUs postal serviceComerica bankFederal reserveConsumer financial protection bureauTreasury departmentPresident joe bidenDirect expressSocial security

The government can help homebuyers with this one easy step

The government can help homebuyers with this one easy step
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Prasad krishnamurthy

Virtually all bank deposits are insured What should we do about it?

If depositors in a failed bank lose money, then depositors in other banks can overreact and withdraw their funds from the banking system.

United statesSan franciscoJustin sullivan gettyJanet yellenDeposit insurance fundSilicon valley bankFederal reserveDeposit insurance corpSignature bankFirst republic bankFirst republicFederal deposit insuranceTreasury secretary janet yellenDeposit insuranceFederal fundsPrasad krishnamurthy

A debate: Should the US raise the $250,000 ceiling on deposit insurance?

The spring 2023 failures of Silicon Valley Bank, Signature Bank, and First Republic Bank ignited a discussion over whether the $250,000 cap on deposit insurance should be lifted, modified, or retained as is. This post recaps the positions argued at an April 5 Hutchins Center debate on the issue.

Jerome powellPeter conti brownPrasad krishnamurthyKelly evansFederal reserveDeposit insurance corporationSignature bankSilicon valley bankFederal deposit insurance corporationFirst republicHutchins centerMonetary policySecretary janet yellenFed chairman jerome powellCeiling but onlySmall businesses

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