Caymiska FDIC, Waajibaadka Dib loo Laaban karo iyo Qiimaha

Xeerka Cusub ee Ku-meel-gaarka ah ayaa fududaynaya xisaabinta caymiska caymiska FDIC ee Xoog-saarka

Iyada oo ay ka dambeeyeen fashiladii bangiyada ee dhowaan dhacay, waxaa jiray jahwareer badan oo ku saabsan xaddiga caymiska caymiska la siiyay xisaabaadka bangiga ee lagu haysto bangiyada caymiska FDIC. Isku xiran tahay tan waa xeerarka jahwareerka leh ee khuseeya xisaabinta kalsoonida iyo hantida. Jawaabta, 26-kii Sebtembar, 2008, Guddiga FDIC wuxuu soo saaray xeer cusub oo ku-meel-gaadh ah kaas oo khuseynaya caymis la bixiyay " Lacagta Dib-u-noqoshada ah ." Iyadoo la raacaysa xeerkan cusub ayaa soo kordhaya kordhinta joogtada ah ee joogtada ah ee caymiska FDIC ee laga soo bilaabo $ 100,000 ilaa $ 250,000 per depositor, xarun kasta oo caymis oo loogu talagalay qeyb kasta oo lahaanshaha hantida oo lagu daray xeerka Wall Street iyo Sharciga Ilaalinta Macmiilka oo saxiixay Sharciga Madaxweyne Obama 21-ka July, 2010.

Qeexitaanka FDIC ee "Xisaabtanka Dib loo Laaban karo"

Qeexitaanka FDIC ee "Xisaabtanka Dib loo Laaban karo" waxaa ka mid ah xisaab-celin aan rasmi ahayn, oo ay ku jirto lacag dhimista, ama xisaabaadka POD-da, is-aaminaadda, ama xisaabaadka ITF, xisaabaadka Totten Trust, iyo sidoo kale xisaab rasmi ah oo ay leedahay Wakiilka oo ah aalad ku-meel-gaadhsiis ah.

Soo koobida Xeerka Hore ee Maamulista FDIC Caymiska iyo Xisaabinta Xisaabtanka

Sharcigii hore ee xukuma Xisaabtanka Dib loo Laaban karo ee lagu soo rogay kuwan soo socda:

1. Xisaabaadka waxaa lagu caymiyay illaa $ 100,000 halkii qof ee "ka-faa'iideyste u qalma" oo ay u xilsaaray milkiilaha koontada.
2. Ka-faa'iideystayaasha ka-faa'iideystayaasha waxaa lagu qeexay sida hantida milkiilaha, carruurta, carruurta ayeeyo, waalidka, iyo walaalaha.
3. Milkiilayaasha xisaabaadka badan ayaa si gooni gooni ah u heley milkiilaha, qof kasta oo ka faa'iideysanaya.
4. "Ka-faa'iideystaha u-qalmitaanka" waxaa lagu heli karaa xisaabaadka "Revocable Trust Accounts" si gooni ah oo ka mid ah caymisyada la xidhiidha koontooyinka kale ee lagu haysto awoodaha kale ee lahaanshaha (sida magacyada shakhsiyaadka ama wadajirka ah) isla baanka FDIC-caymiska.

1. Koonto ayaa lagu daboolay oo kaliya haddii ay buuxisay saddex shuruudood: (1) Cinwaanku waa inuu ku daraa ereyga POD, ama ITF, ama Wareegtada Dib loo rogo, ama erey isku mid ah oo tilmaamaya in xisaabtu ay u gudbin doonto ka-faa'iideystayaasha kalsoonida ka dib dhimashada milkiilaha; (2) Ka-faa'iideyste kasta waa inuu noqdaa "qof faa'iideystaha u qalma" sida kor ku qeexan; iyo, (3) Xisaabaadka POD, ka-faa'iideystayaashu waa inay si gaar ah ugu taxan yihiin diiwaanka xisaabta, iyada oo ka-faa'iideystayaasha ka tirsan Is-bahaysiga Dib-u-noqoshada ah ee Dib-u-noqoshada ah aysan khasab ahayn inay liiska ku taxaluqaan.

1. Marka la go'aaminayo caymiska, waxay ahayd lagama maarmaan in la fahmo dan kasta faa'iido faa'iido leh ee faa'iido faa'iido leh ee loo yaqaan "Revocable Trust", waa inuu ahaado baqshiinno balaayad ah, hantida nolosha, ama isku mid ah ama isku mid ah kalsoonida hoyga.
2. Dhammaan lacagaha uu mulkiiluhu ku haysto xisaabaadka rasmiga ah ee Dib-u-noqoshada Dib-u-noolaanshaha ee Dib-u-noqoshada ah iyo POD xisaabinta isla magacaabayaasha ka-faa'iideystayaasha ayaa loo ururiyey ujeedooyinka FDIC iyo caymis kaliya oo keliya ugu badnaan xadka caymiska.

Soo koobida Xeerka Cusub ee Xukunka Caymiska FDIC iyo Xisaabinta Xisaabtanka

FDIC waxay lahayd hadafyo dhowr ah oo la xidhiidha soo bandhigista xeer cusub oo ku-meel-gaar ah:

1. Si loo fududeeyo xeerka si ay u fududaato shaqaalaha bangiga iyo macaamiisha si ay u fahmaan oo u codsadaan.
2. Si loo baabi'iyo shuruudaha ka-faa'iideystaha ah "ka-faa'iideyste".
3. Si loo baabi'iyo baahida loo qabo in la eego danaha dhabta ah ee faa'iideystaha kasta ee ka-faa'iideystaha Trustococcal ee xisaabaadka lagu qiimeeyay $ 500,000 ama ka yar.
4. Si aad u sameysid xaddidaad macquul ah oo ku saabsan caymiska xisaabaadka oo leh in ka badan shan ka-faa'iideystayaal kala duwan oo haysta wax ka badan $ 500,000.

Sidaa darteed, sharciga cusub ee ku-meel-gaarka ah wuxuu ilaaliyaa dhammaan sifooyinka qawaaniinta hore ee kor ku xusan ee leh saddex qodob oo muhiim ah:

1. Ka-faa'iideystayaashu uma baahna inay noqdaan "ka-faa'iideystayaal u qalma." Taa baddalkeeda, ka-faa'iideyste kasta oo lagu magacaabo Trust-back Trust, ilaa inta uu ka-faa'iideystuhu yahay qof dabiici ah, ama hay'ad sadaqo ah ama hay'ad kale oo aan faa'iido doon ahayn, ayaa la bixiyaa caymis.

1. Lacagta xisaabaadka guud oo dhan $ 500,000 ama wax ka yar, caymiska waxaa lagu go'aamiyaa iyada oo aan loo baahnayn in la ogaado danta faa'iido kasta ee faa'iido faa'iido leh ee loo yaqaan "Revocable Trust" (oo ay ku jiraan guryaha nolosha oo la bixiyo $ 250,000).
2. Caymisku waa mid kooban oo loogu talagalay Hay'adaha Dib-loo-Qaadan karo ee leh in ka badan shan ka-faa'iideystayaal kala duwan iyo xisaabaadyo haysta wax ka badan $ 1,000,000.

Intee in le'eg Caymiska Caymiska FDIC?

Haddii aad tahay Wakiilka Shakhsiga ee hantida hantida, ka dibna waa waajibaadkaaga aasaasiga ah si aad u fahamto sida sharciyada FDIC u khuseeyaan hantida hantida ee lagu hayo bangiyada caymiska FDIC. In kastoo aad u malayn lahayd, sida koontada bangiga aaminka ah, xisaab bangi oo kumbuyuutar ah ayaa lagu caymayaa qof kasta oo ka faa'iideysanaya, kani ma aha kiiska. Taa baddalkeeda, xisaabaha bangiyada ayaa kaliya caymis ugu jira ilaa inta ugu badan ee ah $ 250,000.

Sidaa darteed haddii hantida aan la xidhin mar dhow isla markaana lacagaha kaashka ah ee bangiga ka badan $ 250,000, markaa waa inaad ka fekertaa inaad ku faafiso lacagta caddaanka ah ee bangiyada kala duwan ama adigoo isticmaalaya barnaamijka CDARS si aad u ilaaliso lacagta hantida.

Isticmaalka FDIC ee "Edie Estimator" si aad u ogaato caymiskaaga

Inkasta oo sharciyada cusub ee ku-meel-gaarka ah ay fududeeyeen xisaabinta ceymiska xisaabtanka "Revocable Trust Accounts", hadana inta badan, waxay muujineysaa in dhammaantood ay wali jahwareersan yihiin. Si ay u caawiyaan macaamiisha inay cayimaan caymiskooda, shabakadda FDIC waxay leedahay aalad magaciisu yahay "Edie Estimator" kaasoo xisaabinaya caymiska aad ku heli doonto shakhsi, kalsooni, iyo xisaabo ganacsi oo lagu qabtay hay'adaha FDIC-caymiska.