These comments come from brief replies that online readers submitted using the "Feedback" feature, which can be found at the top of any story at AmericanBanker.com.

"Why would anyone keep money at a community bank when they can now 'invest' in money market funds that earn a higher rate of return and are entirely guaranteed by the U.S.? Couldn't this be one of many unintended consequences of these decisions? Small banks were already competing hard for deposits. Now that money market funds are insured, it will be even tougher on them."

Subscribe Now

Access to authoritative analysis and perspective and our data-driven report series.

14-Day Free Trial

No credit card required. Complete access to articles, breaking news and industry data.