Uninsured creditors' claims also can be discounted to reduce FDIC costs, to limit future moral hazard, and to encourage market discipline – provided that no creditor receives less than would have been the case in a liquidation of the bank. In the post-FDICIA world, the Congress and bank supervisors have continued to emphasize limiting the federal safety net and protecting taxpayers.
For example, since the mid-1990s the Federal Reserve has devoted substantial resources to developing and implementing a supervisory program for the largest and most complex banking organizations, or LCBOs. It is highly risk focused and recognizes the realities of modern finance and risk management. Other banking agencies have developed similar programs.