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On the December 31, 1995, the new RTC are merged on the FDIC, as well as the FDIC turned accountable for fixing failed thrifts. Oversight of thrifts turned into the responsibility from another agency, work of Thrift Oversight (borrowing from the bank unions stayed covered by the National Borrowing from the bank Partnership Administration). The primary legislative responses to the drama were the newest Loan providers Change, Healing and you may Administration Work away from 1989 (FIRREA), plus the Government Deposit Insurance policies Corporation Improvement Work out of 1991 (FDICIA).
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