Question 13 In 2005, Congress passed the Federal Deposit Insurance Reform Act, which I raised the federal deposit insurance level on retirement accounts from $100,000 to $250,000 (II) abolished the Savings Association Insurance Fund (II) merged the deposit insurance funds for thrifts and commercial banks into one insurance fund called the Deposit Insurance Fund [IV] allows qualifying S&Ls to change their charter to become savings banks [V empowers FDIC to raise insurance on regular deposits by $10,000 per year after 2010, based on inflation. 1) II, IV, V 2) 1, II. V 3) IV. 4) I, III, IV Question 15 In U.S. banking regulation, the leverage requirement calls for minimum capital ratio of: 1) 2% 2) 5% 3) 8% Question 16 If a banks is critically undercapitalized, its capital ratio must be less than: 1) 2% 2) 5% 3) 8% Question 20