24 янв 1934 г. - Federal deposit insurance becomes effective following the establishment of the FDIC the previous year.

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This was put into place during the great depression following the failure of countless banks . While there had been multiple depressions before the impetus to finally guarantee peoples deposit came during the depression of the 1930's .This guaranteed the safety of people's deposit's . It showed be noted that this date reflects the adoption of what had been a populist proposal on a federal level only . After the panic of 1907 several states had adopted legislation guaranteeing peoples deposits .

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