But they do not carry FDIC bank insurance and principal is at risk.
The Federal Deposit Bank Insurance Corp. (FDIC) is deliberating today over the proper formulation of a rule to implement section 619 of the Dodd-Frank Act, colloquially known as the Volcker Rule, and codified as 12 USC sect 1851.
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Stable-value funds typically consist of a diversified bond portfolio combined with bank or insurance-company "wrap" contracts.
If your earnings are more modest, you may be able to use an off-the-shelf "defined contribution" plan from a mutual fund company, broker, bank or insurance company.
On top of that, there are other circumstances conducive to repression: the QE policy and new bank and insurance regulations, are forcing British pension funds to hold more government debt.
With that precedent set, shareholders knew that at the merest whiff of a bad rumor they'd better bail out of a bank or insurance company, or their money could be obliterated.
Whether it is a bank, insurance company, manufacturing firm or any company in any sector, damaging information can be stolen and leaked to the general public and published for immediate access.
Which will mean that we get money from the bank plus insurance, a cure for cancer, pretty nails, defense and fewer screaming matches as we try to get our delivery rescheduled.
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"Without the full co-operation of the banking sector, the government's big idea is impractical, " Stuart Cliffe director of the National Association of Bank and Insurance Customers (NABIC) told BBC News Online.
To which we can add government-run entities that compete with or have effectively crowded out private sector competitors (most egregiously the state-run postal savings bank and insurance entities), and the direct spending on public works.
The National Investment Company, known by its French initials, SNI, is said to control Morocco's biggest bank, insurance company, dairy and cooking-oil firms, as well as a large acreage of real estate and is now often castigated for its anti-competitive practices.
But the regulators--those who oversee banks at the Federal Reserve, the Comptroller of the Currency and the FDIC--have to take an aggressive approach in making sure that bank and insurance company regulatory capital is stabilized and perhaps, with some creativity, even increased from the unnecessary writedowns of the last year.
Its shunting of capital from the bank to the insurance company is not, both the bank and its regulator, the Federal Banking Commission, insist, designed to take advantage of a laxer insurance regime.
On the good side, it brought in bank-deposit insurance (a wise move, though not without problems).
Almost every big bank and life insurance company survived the Great Depression.
Petrol pump attendant, plumber, bank clerk, insurance salesman, mobile disc jockey are all on his CV, before Dave joined BBC Radio Lancashire in 1998 as co-host of the Rugby League programme.
At the same time, the financial-services industry keeps changing the terms of its offerings, making it difficult for consumers to stay on top of investing, bank accounts, insurance policies and the like.
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As far as to who is the is on the board of certain groups, it is a move of a politician rather than a bank or an insurance company with certain idealistic points of view.
Then, as the law currently stands, the government will have to divest itself entirely of the savings bank and the insurance business, though there is nothing to stop it repurchasing them immediately if it has changed its mind about the sale by then.
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ING, the Dutch bank-and-insurance group which in 1995 snapped up Barings, an investment bank with a big asset-management arm, after the British firm went bust.
Another thorny issue would be trying to raise money for common deposit-insurance and bank-resolution funds.
The ban applies to any stock of a company that has an affiliated bank, thrift, insurance, broker or investment adviser.
Egg, the online bank of UK life insurance and pensions group Prudential, starts trading on the stock exchange on Monday.
Congress is talking about, and the presidential candidates have endorsed, the idea of increasing the amount of insurance on bank deposits.
The vast expansion of Fed lending, Treasury capital injections into banks and Federal Deposit Insurance Corporation bank-debt guarantees are producing results.
The new administrator of the failing bank, Federal Deposit Insurance Corp.
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He points to bank deregulation in 1999, which allowed non-bank financial companies (insurance firms, brokers and the like) big users of credit to own banks for the first time since the Depression.
And the FSA is also allowing banks to hold a much wider and more diverse and riskier collection of supposedly liquid investments, as a proxy for cash, which is their rainy-day money in case too many of their depositors want their cash back at the same time (it is the insurance against bank runs).
"They each have their own bank accounts and their own insurance policies, " says Bleck.
More often, cross-selling involves such primitive techniques as displaying insurance brochures in bank branches.
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