Public consultation on the revised version of the IADI Core Principles for Effective Deposit Insurance Systems
IADI is inviting comments on the revision of the Core Principles for Effective Deposit Insurance Systems (Core Principles) and the questions below.
Background
This 2025 revision of the Core Principles builds on the versions issued in 2009 and 2014. It incorporates key developments in the evolving financial landscape, including the impact of digital innovation, the increasing integration of deposit insurers in resolution processes, and challenges arising from the 2023 banking turmoil.
The Core Principles serve as the international standard for deposit insurance systems, providing guidance to jurisdictions for designing and assessing effective systems that protect depositors and contribute to financial stability. The assessment of a deposit insurance system helps to identify strengths and weaknesses and possible measures that deposit insurers and policymakers may adopt to enhance the current system and address any shortcomings.
Comments are invited on the following questions:
- Does the revised version of the Core Principles adequately promote a holistic view of the financial safety-net and effective interaction among deposit insurance, resolution, and supervision, while acknowledging the different architectures and diverse institutional structures of deposit insurance systems across jurisdictions?
- Does the revision provide sufficient clarity on the interaction between deposit insurance and resolution to effectively achieve the public policy objectives of depositor protection and financial stability?
- Are the revised Core Principles sufficiently forward-looking and aspirational to address emerging risks, trends, and challenges in the global financial sector, while remaining practical for implementation?
- Does the updated framework ensure that the Core Principles remain adaptable to technological advancements in deposit-taking and protection systems, while maintaining a technology-neutral approach?
How to Participate
Please submit your comments via email to consultation@iadi.org in PDF format. The deadline for submissions is 14 July 2025.
Unless explicitly requested to remain confidential, comments from external respondents (non-IADI members) will be published on IADI’s website after the consultation period closes.