To amend the Federal Deposit Insurance Act to make changes to the Standard Maximum Deposit Insurance Amount, and for other purposes.

[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 10821 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 10821 To amend the Federal Deposit Insurance Act to make changes to the Standard Maximum Deposit Insurance Amount, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES October 15, 2026 Mr. Gottheimer introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To amend the Federal Deposit Insurance Act to make changes to the Standard Maximum Deposit Insurance Amount, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. STANDARD MAXIMUM DEPOSIT INSURANCE AMOUNT. (a) In General.--Section 11(a) of the Federal Deposit Insurance Act (12 U.S.C. 1821(a)) is amended-- (1) in subparagraph (E)-- (A) by striking ``$250,000'' and inserting ``$750,000''; and (B) by striking ``after March 31, 2010'' and all that follows through to the end of subparagraph (E); and (2) by striking subparagraph (F) and inserting the following: ``(F) CPI adjustment.--On January 1 of the year following the year during which this subparagraph was enacted, and each January 1 thereafter, the Corporation shall-- ``(i) adjust the first dollar figure described in subparagraph (E) by a percentage equal to the percentage increase, if any, in the Consumer Price Index for All Urban Consumers published by the Bureau of Labor Statistics for the most recent 12-month period for which data are available; and ``(ii) round each adjusted dollar figure down to the nearest $10,000.''. (b) Effective Date.--The amendments made by this section shall take effect 180 days after the date of the enactment of this section. SEC. 2. STUDY. (a) In General.--The Federal Deposit Insurance Corporation and the