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On Jan. 14, for instance, the bureau sued Capital One for allegedly misleading depositors about the interest rates they were entitled to on their accounts.

Restrictions were placed on what bankers could do with depositors’ money.

According to the FDIC, “no depositor has lost a penny” since the agency was founded in 1933.

A jury found that Bankman-Fried illegally used money from FTX depositors to cover his expenses, which included purchasing luxury properties in the Caribbean, alleged bribes to Chinese officials and private planes.

Negative interest rates — which central banks in some European economies have also applied — mean depositors pay to leave their money with a bank, an incentive for them to spend it instead.