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Colloquially, a depository institution is a financial institution in the United States (such as a savings bank, commercial bank, savings and loan associations, or credit unions) that is legally allowed to accept monetary deposits from consumers. Under federal law, however, a "depository institution" is limited to banks and savings associations - credit unions are not included.
- Ruben D Cohen (2004) “The Optimal Capital Structure of Depository Institutions”, Wilmott Magazine, March issue.
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