DIDMCA
DIDMCA is the 1980 U.S. law that phased out deposit-rate ceilings, broadened Federal Reserve requirements and services, and authorized nationwide NOW accounts.
Regulation terms for reserve requirements, special deposits, monetary-control rules, and historical deposit-control schemes.
Reserve and Special Deposit Rules is the regulation landing page for bank supervision, prudential capital rules, deposit insurance, credit-union protection, reserve requirements, and bank-resolution frameworks. It keeps related terms in one branch so readers can move from a broad compliance question to the article that owns the regulatory evidence.
Use this page when a banking rule changes safety and soundness, depositor protection, capital requirements, liquidity controls, or supervisory intervention. Use the parent Banking Prudential and Deposit Rules page when you need the broader regulation map. For an individual decision, confirm the rule source, jurisdiction, covered party, effective date, filing or record, and compliance consequence before relying on the term.
Use the table below to move from this landing page into the term page that best matches the regulatory evidence.
| Term | Use it for |
|---|---|
| Depository Institutions Deregulation and Monetary Control Act | The 1980 law that phased out deposit-rate ceilings, broadened reserve coverage, and changed access to Federal Reserve services. |
| Reserve Requirement | Reserve Requirement explains reserve, liquidity, or deposit-control rules that affect bank funding and monetary conditions. |
| Special Deposits and the Corset | Historical UK monetary controls, including ordinary special deposits and the growth-based Supplementary Special Deposits scheme. |
Deposit insurance can protect qualifying depositors, while capital rules aim to reduce the chance that the institution fails in the first place.
Reserve Rules content is educational and does not provide personalized legal, tax, accounting, compliance, regulatory, investment, or securities advice.
Choose a subsection first. Deeper term pages live inside each subsection, which keeps large topic hubs readable.
DIDMCA is the 1980 U.S. law that phased out deposit-rate ceilings, broadened Federal Reserve requirements and services, and authorized nationwide NOW accounts.
A reserve requirement is a rule that applies a prescribed ratio to defined bank liabilities to determine a required reserve amount.
Special deposits and the supplementary special deposits Corset were historical Bank of England tools for withdrawing bank cash and restraining liability growth.