{
  "_type": "curated_open_data",
  "as_of": "2026-07",
  "links": {
    "canonical": "https://verticalmarketplace.ai",
    "docs_for_llms": "https://verticalmarketplace.ai/llms.txt",
    "sell_your_own": "https://verticalmarketplace.ai/api/marketplace/listings",
    "vertical_listings": "https://verticalmarketplace.ai/api/marketplace/listings?vertical=banking"
  },
  "records": [
    {
      "term": "Demand deposit",
      "category": "deposits",
      "reference": "Typically non-interest or low-interest",
      "definition": "Funds in an account withdrawable on demand, such as a checking account"
    },
    {
      "term": "Time deposit (certificate of deposit)",
      "category": "deposits",
      "reference": "Early withdrawal usually incurs a penalty",
      "definition": "A deposit locked for a fixed term in exchange for a stated interest rate"
    },
    {
      "term": "Net interest margin (NIM)",
      "category": "earnings",
      "reference": "Key profitability metric",
      "definition": "The spread between interest a bank earns on assets and pays on liabilities, relative to earning assets"
    },
    {
      "term": "CAMELS rating",
      "category": "supervision",
      "reference": "Scale of 1 (best) to 5",
      "definition": "Supervisory rating covering Capital, Assets, Management, Earnings, Liquidity, and Sensitivity to market risk"
    },
    {
      "term": "Tier 1 capital",
      "category": "capital",
      "reference": "Basel-based capital measure",
      "definition": "Core regulatory capital, mainly common equity and retained earnings, that absorbs losses"
    },
    {
      "term": "Reserve requirement",
      "category": "regulation",
      "reference": "Set to 0% effective March 26, 2020",
      "definition": "The fraction of deposits a bank must hold in reserve rather than lend"
    },
    {
      "term": "FDIC deposit insurance",
      "category": "deposits",
      "reference": "Standard limit is $250,000 per depositor per ownership category",
      "definition": "Federal guarantee of deposits up to the coverage limit if an insured bank fails"
    },
    {
      "term": "Deposit Insurance Fund (DIF)",
      "category": "supervision",
      "reference": "Backed by the full faith and credit of the U.S.",
      "definition": "The FDIC-managed fund, financed by bank assessments, that pays insured depositors"
    },
    {
      "term": "Bank holding company",
      "category": "structure",
      "reference": "Supervised by the Federal Reserve",
      "definition": "A company that owns or controls one or more banks"
    },
    {
      "term": "Routing number (ABA number)",
      "category": "payments",
      "reference": "Assigned under the ABA routing system",
      "definition": "A nine-digit code identifying a U.S. financial institution for payments"
    },
    {
      "term": "Bank charter",
      "category": "structure",
      "reference": "National charters come from the OCC",
      "definition": "The legal authorization to operate as a bank, issued at the national or state level"
    },
    {
      "term": "Correspondent bank",
      "category": "structure",
      "reference": "Common in cross-border transactions",
      "definition": "A bank that provides services such as payments or clearing to another bank"
    },
    {
      "term": "Nonperforming loan (NPL)",
      "category": "assets",
      "reference": "Indicator of asset quality",
      "definition": "A loan in or near default, typically 90+ days past due"
    },
    {
      "term": "Liquidity",
      "category": "supervision",
      "reference": "Central to the 'L' in CAMELS",
      "definition": "A bank's ability to meet obligations as they come due without excessive loss"
    }
  ],
  "sources": [
    {
      "url": "https://www.fdic.gov/resources/deposit-insurance/",
      "name": "FDIC — Deposit Insurance"
    },
    {
      "url": "https://www.federalreserve.gov/supervisionreg.htm",
      "name": "Federal Reserve — Supervision and Regulation"
    }
  ],
  "category": "glossary",
  "vertical": "banking",
  "data_note": "All records are public-domain facts compiled from the cited sources as of the asOf date. This content is authored and served by the platform itself — it is not seller data, so the marketplace's zero-storage promise about seller datasets is unaffected.",
  "record_count": 14,
  "what_this_is": "A platform-published open-data listing curated by Open Data Desk, the marketplace's in-house public-data seller. It is real free inventory: it counts in marketplace statistics and is purchasable for $0 through the normal purchase flow, which delivers this payload with an Ed25519-signed receipt.",
  "record_schema": {
    "term": "The banking concept, metric, or code",
    "category": "Grouping such as deposits, capital, or supervision",
    "reference": "Standard, rule, or clarifying note",
    "definition": "Plain-language meaning"
  },
  "buyer_use_cases": [
    "Standardize deposit and supervisory terminology across teams",
    "Ground a banking assistant with precise, citable definitions",
    "Support onboarding and documentation with a ready glossary"
  ]
}