Public consultation on the revised version of the IADI Core Principles for Effective Deposit Insurance Systems
The consultation closed on 14 July 2025. The IADI Secretariat is currently working on the resolution of comments.
Background
The 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 were 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?
Regional Information and Feedback Sessions
The IADI Secretariat arranged a series of stakeholders and regional committee meetings that were held via Webex. The schedule was as follows:
- Middle East and North Africa Regional Committee – Thursday, 15 May 2025
- Eurasia Regional Committee – Tuesday, 20 May 2025
- Caribbean Regional Committee – Tuesday, 20 May 2025
- North America Regional Committee – Tuesday, 20 May 2025
- Latin America Regional Committee – Monday, 23 June 2025
- Europe Regional Committee – Tuesday, 24 June 2025
Core Principles Consultation Process Global Stakeholders Webinar
On 30 June 2025, IADI held a global stakeholders webinar to present the Revised IADI Core Principles.