Evan Sparks

speaker

248 appearances 5 recordings 1 series first heard Jun 2026 last heard 4 Aug

Evan Sparks’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 5 in all, peaking in Jul 2026 with 3.

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ABA Banking Journal Podcast · Why it might be time to revisit a key FDIC ratio · 23 Jul 2026 podcast

And I am here with a few of my colleagues from the policy division at the American Bankers Association to talk about an issue that will sound very technical when I tee it up here.

But it's actually really important.

And we published two pieces about it on the ABA Banking Journal website that you can read about.

But first, let me introduce my colleagues who will be joining me today.

We have Pat Mitchell.

Pat is a former official at the FDIC, head of economic policy research here at ABA.

We have my colleague, Brittany Kleinpaste, who is vice president for economic research in our office of the chief economist.

So welcome to the podcast.

So I wanna talk about this technical issue that y'all have written about for the ABA Banking Journal.

And it has to do with deposit insurance and how deposit insurance is calculated.

And the way I've been thinking about this issue is that it's a little meta because y'all have written about

a recommendation to change a simulation that is used to calibrate a calculation.

And I'm like, that's a lot of layers.

That's just simulations and calibrations all the way down.

But it actually is really important.

And so let's just dive in.

We're talking about this 2% designated reserve ratio in deposit insurance.

This is something that applies to every single bank because every single bank pays into the deposit insurance fund.

So even though it may sound technical, it's not some extraneous issue.

This is really important for banks.

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