carry in banks and FDIC


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mljdeckard
August 25, 2013, 01:53 PM
Pretty simple, in states that allow carry in banks, does the fact that they are FDIC insured assert federal rules over state?

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btg3
August 25, 2013, 01:55 PM
Pretty simple, no.

mljdeckard
August 25, 2013, 01:58 PM
Can anyone give specifics as to why?

General Geoff
August 25, 2013, 02:03 PM
Can you give specifics as to why banks which are federally insured, would somehow be considered federal property?

mljdeckard
August 25, 2013, 02:17 PM
No, I cannot.

Someone told a story on another forum, where they were told by a cop that they couldn't carry in banks, because FDIC insurance put them under federal jurisdiction. I am just curious if there is any precedent or experience one way or the other.

Arp32
August 25, 2013, 02:20 PM
Hard to prove a negative. But think about it logically, plenty of folks have federal flood insurance. Does that change the types of laws that govern firearms on land with federal flood insurance?

mgkdrgn
August 25, 2013, 03:11 PM
they were told by a cop that they couldn't carry in banks, because FDIC insurance put them under federal jurisdiction.

1-800- horsepoop

They -could- have been told that ... but the cop in question would be so "full of it" to have brown eyes.

gc70
August 25, 2013, 03:37 PM
Pretty simple, in states that allow carry in banks, does the fact that they are FDIC insured assert federal rules over state?

It is hard to prove a negative, so just ask the FDIC (https://www2.fdic.gov/CTSOATSMail/index.asp).

NavyLCDR
August 25, 2013, 03:47 PM
Can you give specifics as to why banks which are federally insured, would somehow be considered federal property?

I can give a specific reason why not... Definition of Federal facility contained in 18 USC 930 and the posting requirements as well:

http://www.law.cornell.edu/uscode/text/18/930

18 USC 930 - Possession of firearms and dangerous weapons in Federal facilities

(g) As used in this section:
(1) The term “Federal facility” means a building or part thereof owned or leased by the Federal Government, where Federal employees are regularly present for the purpose of performing their official duties.

(h) Notice of the provisions of subsections (a) and (b) shall be posted conspicuously at each public entrance to each Federal facility,

The banks are not posted as a Federal facility as required in 18 USC 930 because they are not Federal facilities because (1) the Federal government does not own or lease the building or part of it and (2) there are no Federal employees regularly present at the banks for the purpose of performing their official duties.

Banks are private corporations, even if the have the word "state" or "federal" in their names, ie: "First State Bank" or "First National Bank" or "Navy Federal Credit Union" are all private corporations.

pendennis
August 25, 2013, 09:48 PM
FDIC (Federal Deposit Insurance Program), is an insurance policy guaranteed by the banks, and is used to guarantee funds returned to the depositor in case of bank failure. It has nothing to do with the ownership of the bank. Unless the bank is under Federal receivership for failure, it is a private enterprise. The Federal Reserve, contrary to popular opinion, is also a private bank. There are some aspects of Federal control (mainly profits), but the Federal Reserve System is not owned by the Federal Government.

If a bank robbery occurs at an FDIC-insured bank, the FBI becomes involved since there is a Federal agency that has become liable for payout. The FDIC is a government-owned corporation which acts as an independent agency. Federal law was enacted specifically to give the FBI investigational jurisdiction.

Local law enforcement usually demurs to the FBI in the case of bank robberies. The exception would be if the bank was state-chartered, and not FDIC-insured.

MedWheeler
August 25, 2013, 09:59 PM
To assume FDIC-insured means "Federal property" would also imply one believes a home with an FHA mortgage would also be. :rolleyes:

I think the OP's question has been answered, and the answer effectively explained.

Sam1911
August 25, 2013, 10:03 PM
Agreed. Might as well put it to bed.

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