Repo Specialists

• Errors made in your accounts. In these situations, there may be remedies for consumers under state contract law, the Uniform Commercial Code, and some federal regulations, depending on the type of transaction.
• Insurance and annuity products, such as life, auto and homeowner’s insurance. Not only are these products not backed by the FDIC, but some insurance products may even lose value.
• Stocks, bonds and mutual funds.
• Investments backed by the U.S. Government Part-time Trading Profits, such as Treasury securities and Savings Bonds.

How to Tell the Difference

First, remember that FDIC insurance protects only deposits. Products such as mutual funds, annuities, stocks, bonds and U.S. Treasury securities are not deposits and therefore are not protected by the FDIC. Mutual funds, stocks and bonds are subject to investment risks, including the possible loss of principal, even if you bought them from your FDIC-insured institution. Treasury securities and Savings Bonds, while not insured by the FDIC, are backed by the full faith and credit of the U.S. government.

Two products that are easy to confuse Trader BO Divergence because they have similar names are Money Market Deposit Accounts and money market mutual funds (often called money market funds). MMDAs, as we described previously and as the name indicates, are deposits and, as a result, are covered by FDIC insurance. Money market mutual funds, on the other hand, are funds that invest primarily in short-term corporate bonds or government securities and are not deposit accounts insured by the FDIC.

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