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The FDIC is funded by premiums paid for by the insured banks. It doesn’t rely on tax payer money.

Once that is depleted, they are allowed to tap into Fed money

I’m sure you are aware but just to spell it out: fed money is _also_ not taxpayer money, it’s self-funded.

Where does the fed get the money?

They print it.

By slightly devauling every other dollar in existence.