The Non-Required by Law Measures by Deposit Guarantee Schemes to Protect Bank Accounts: The Case of Italian FITD

This article aims at giving a contribution to the issue of protecting bank accounts and deposits by national deposit guarantee schemes through financial assistance interventions an optional voluntary nature, instead reimbursement only legally protected in case bankruptcy depository bank. Firstly, we investigate EU framework for crisis resolutions. Specifically, briefly analyze rules on both prevention resolution banking crises pointing out economic rationale behind “bail-in” principle, then identify characteristics third “pillar” Banking Union, Deposit Guarantee Schemes. Subsequently, examine operating procedures Italian Scheme (FITD) focusing non-required law carried latter protect same time prevent or resolve banks. Finally, some conclusions topic stake will be drawn.