D
Banking Terms - DData Encryption Algorithm (DEA) - (algorithm used to encrypt data for transmission)
Data Encryption Standard (DES) - (financial industry protocol for protection of sensitive transaction information)
debt previously contracted (DPC) - (property banks are permitted to own for a limited number of years after they take it as collateral for a loan that defaults)
debt service coverage ratio (DSCR) - (measure of a mortgaged property'a ability to cover monthly debt service payments)
delivery versus payment (DVP) - (securities industry term indicating payment is due when securities have been delivered to the buyer or a book transfer entry has been made)
deep learning - (The technique or process of analyzing large amounts of data (big data), using generative artificial intelligence (AI) capabilities - algorithms made possible with increased computer capacity - to uncover patterns or information which were not detected using traditional methods of analysis.)
deepfakes - (Simulated images and videos - synthetic or human-like, but non-existent (ficticious) identities - created using generative artificial intelligence (AI), which can be used to evade authentication measures in order to commit fraud.)
Deposit Insurance Fund (DIF) - (fund administered by the Federal Deposit Insurance Corporation (FDIC) that insures deposits of banks and thrift institutions from losses in the event of bank failure)
depository financial institution (DFI) - (bank or other financial institution that accepts customer deposits)
Depository Institutions Deregulation Committee (DIDC) - (five-member committee which oversaw the phase-out of interest rate ceilings until its authority expired in 1986)
Depository Institutions Deregulation and Monetary Control Act of 1980 (DIDMCA) - (banking reform legislation raising reserve requirements and phasing out interest rate ceilings)
Depository Transfer Check (DTC) - (preprinted demand draft used by a corporation to make transfers of cash from a checking account at one bank to a concentration account at another bank)
Depository Trust and Clearing Corporation (DTCC) - (organization affiliated with a financial exchange through which brokers, financial institutions, and other parties settle trades)
Depository Trust Company (DTC) - (organization affiliated with a financial exchange through which brokers, financial institutions, and other parties settled trades - replaced by the Depository Trust and Clearing Corporation)
Designation of Exempt Person Report (DOEP) - (bank report indicating individuals or companies who are exempt from currency transaction reporting)
document control number (DCN) -
Dodd-Frank Act (DFA) - (Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010) (major financial reform legislation, following the near collapse of the U.S. banking system in 2008, which increased oversight of the U.S. financial system and provided additional consumer protections)
Dun & Bradstreet (D&B) - (company that supplies corporate credit reports and ratings, based on industry reported information and other analytical data)