[mjmahone17]

Do different banks pay different amounts into FDIC insurance based on how risky the FDIC considers them? If so then it’s really the FDIC adjusting their risk model to treat most mid-size banks as likely to cause systemic failures if they fail, and requiring the riskiest banks to cover the cost for that updated model based on how likely the FDIC believes they are to fail.

I don’t know that pricing insurance based on the actual cost of the potential external harm can really be considered a tax increase.

[op00to]

Yes. Banks are evaluated for their risk and pay assessments based on their risk scores and total deposits (give or take). The riskiest banks pay the most.