They are, in effect, paying for them with newly created bank reserves and perhaps a small amount of newly created deposit money.

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The Glass-Steagall Act of 1933 created the Federal Deposit Insurance Corp.

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The amount of deposit money created matches the amount of government securities taken off the market if banks fail to make use of their new reserves resulting from their new deposits, which has been the case lately.

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"We are the victims of our own success: We have created a very efficient check-deposit system, " said Elliott McEntee, president and CEO of the National Automated Clearing House Association in Herndon, Va.

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The increase in margins is supported by increase in premiums due to the implementation of the new variable annuity products and increase in fee income due to increases in average assets under management resulting from improvements in equity markets and increased deposit activity as equity market improvements created an environment where investors were willing to re-enter the capital markets.

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Individuals fill out a four-page form declaring that they have created a super PAC and have a bank account or safe deposit box.

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But as these three banks aren't publicly traded, the Spanish government said it would give the holders of their newly created ordinary shares the option of selling them to the country's deposit guarantee fund.

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The Federal Reserve , via the largely passive issuance of currency: the issuance of Federal Reserve notes, created when the public chooses to redeem their on-demand bank-issued deposit liabilities for currency.

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