According to our readings about the Silicon Valley Bank (SVB), the FDIC stepped in and took over this bank. Citing "Systemic risk exception", they agreed to cover uninsured depositors (those above $250,000). About how much are those uninsured assets. and how do they plan to recoup the losses to the FDIC Approx $220 Billion and higher taxes to the American people Approx $100 Billion and a luxury tax on individuals making over $250k/yr O Approx $220 Billion and a special assessment on banks OO

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Regulation of Commercial Banks

The main function of any commercial bank is accepting deposits and lending money to borrowers. Apart from these two activities, commercial banks provide a host of other services to their customers, like discounting bills of exchange, acting as a custodian of a customer's will, and so on. In the absence of a proper regulatory framework or proper regulations in place, the commercial banks would have ended up charging exorbitant or varied rates of interest or service charges on the funds loaned by them or the services performed by them.