One of the regulations enacted back during the financial-sector meltdown of 2008-2009 was an extension of the amount of money the government was willing to insure in bank deposits. People had become leery of putting their assets into any sort of financial institution, so in order to shore up confidence in the nation's banks, the FDIC lifted the limit on its insurance. Rather than covering $250,000 in personal deposits, the FDIC announced it would cover any amount of a personal bank deposit.
That changed rather quietly last week. The Senate considered a two-year extension of what is officially called the Transaction Account Guarantee, and decided the program should come to an end.
Obviously, most people don't have a quarter million dollars in a bank account, so the end of this rule shouldn't affect you. But it does signal that the government believes other types of investments are relatively safe. And it might urge some more investor money into the markets.
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