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SAIF was administered by the FDIC alongside its sister fund for banks, Bank Insurance coverage Fund (BIF) until 2006 when the Federal Deposit Insurance Reform Act of 2005 (effective February 2006) supplied, among other provisions, that the 2 funds merge to constitute the Depositor Insurance coverage Fund (DIF), which would continue to be administered by the FDIC. What gave away their heritage was that their accounts continued to be insured by the FSLIC. The Savings Association Insurance coverage Fund (SAIF) replaced the FSLIC as an ongoing insurance coverage fund for thrift establishments. The financial savings and loan association became a robust pressure in the early 20th century by means of aiding people with residence ownership, by way of mortgage lending, and further aiding their members with basic saving and payday Loan online bad credit no credit check investing outlets, typically through passbook savings accounts and term certificates of deposit. 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