Guides
  1. DDM
  2. Reports Guide

Administrative & Action-Oriented Reports

TACF Rate Update Notice

This is a notification-only report, generated for the receive-side of a relationship, that triggers whenever there is a change in the TACF Rate agreed to for the relationship.

  • The Goal: To ensure the Client has the most updated TACF Rate information as related to the receive-side of a DDM relationship.

  • How to Read: Client can review the "Rate" field against their agreement to ensure proper configuration.

  • Action: If there is a discrepancy, the Client should reach out immediately to R&T to coordinate a correction.

Visual Reference: Rate Update Notice (Sample Report Data)

RE: Insured Deposits Rate Change
           Bank Name: BANK NAME
             Bank ID: ###
            Account#: XXXXX####
              Broker: ###
      Effective Date: MM/DD/YYYY
                         DDMM Index:     5.230000
                       Basis Points:     0.100000
                         Rate Floor:     0.000000
                               Rate:     5.330000

Program Update Notice

This report serves as a formal communication regarding program-wide changes, such as updates to the DDM Program Receiving Institution List, Program Limits, Program Rates, and Important Announcements.

  • How to Read: Review these on a weekly basis to stay up to date on changes regarding the DDM Program.

  • Action: Client can save the weekly email for review or access via CAP for a streamlined approach.

Accounts Approaching Insurance Coverage Limits Report

This report is a proactive version of the Uninsured Accounts report.

  • The Goal: To flag accounts that would exceed the Sending Institution's Program Limit when considering principal balance and accrued interest.

  • How to Read: Review the Customer Account Number Balance and TIN Balance as compared to the Sending Institution's Program Limit.

  • Action: If a customer account appears on this report, the Client should proactively reach out to its Customer and review options, which includes reducing the balance in the DDM Program account or accepting the excess funds risk.

Visual Reference: Approaching Insurance Coverage Limits Report (Sample Report Data)

YYYY-MM-DD

Client Code: BXXX
Client Name: CLient Name

Dear Valued Client,

The following accounts/customers are above R&T's posted expanded deposit insurance coverage 
limit (currently: $70000000.00). R&T cannot commit to providing insurance coverage above the 
posted limit. The amounts listed below are inclusive of principal and accrued interest. 
Please contact DDM Operations by emailing [email protected] or by phone at (800) 696-5547 to 
address the uninsured issue or to advise that the uninsured balances can remain.

Customer Account #    Customer Account # Balance    TIN Balance
123456789             $70,025,701.37               $70,025,701.37

Updated 10 days ago

Did this page help you?

R&T Deposit Networks, LLC, R&T Deposit Marketplace, LLC, R&T Deposit Solutions, LLC and R&T Deposit Programs, LLC (each d/b/a R&T Deposit Solutions), each a Delaware limited liability company, (together, “R&T”) provide administrative, recordkeeping, and/or other services to banks, credit unions, trust companies, wealth management firms, broker-dealers and other institutions with respect to deposit placement and sweep programs, including the Demand Deposit Marketplace® (DDM®), Certificate of Deposit Marketplace Exchange℠ (CDMX℠) and R&T Insured Deposits℠ (RTID®) programs, as well as other services. An affiliate of R&T, Stable Custody Group II LLC (“Stable”), acts as agent of participating sending institutions under the DDM and CDMX programs. R&T and Stable, together, “we”, “us” or “our”. All of our services are provided subject to the terms and conditions of the written agreements and/or agency appointments between us and our clients with respect to those services, and we provide no representations or warranties, express or implied, except as expressly set forth in those written agreements and/or appointments. Click here for our legal and other disclosures. We are not an FDIC or NCUA-insured institution. FDIC insurance only covers the failure of an FDIC-insured institution. NCUA insurance only covers the failure of an NCUA-insured institution. Certain conditions must be satisfied for FDIC and NCUA pass-through deposit insurance coverage to apply. Click here for a list of the FDIC and NCUA-insured institutions with which R&T has a direct or indirect business relationship for the placement of deposits under the DDM, CDMX, and RTID programs, and into which a participating institution may place deposits (subject to the terms of those programs and any opt-outs by the participating institution and/or its customers). While the DDM, CDMX, and RTID programs provide access to an expanded level of FDIC or NCUA deposit insurance coverage on funds placed into the programs (subject to program terms and applicable laws, regulations and guidance, including pass-through insurance coverage requirements), the DDM, CDMX and RTID programs, themselves, as well as our other service offerings, are not insured or guaranteed by the FDIC or NCUA, are not deposits, and may lose value. We are not an affiliate of an FDIC or NCUA-insured institution, we are not an office, division, or sub-division of the FDIC or NCUA, and we are not associated with the FDIC or NCUA or office, division, or sub-division thereof. The primary objective of the DDM, CDMX, and RTID programs is to provide customers with convenient access to expanded deposit insurance coverage on their funds (and not for investment enhancements, higher rates of returns or profits). R&T®, Reich & Tang®, Demand Deposit Marketplace®, DDM®, DepositView®, CDMX®, and RTID® are registered marks, and R&T Direct℠ is a pending mark of R&T Deposit Networks, LLC. of R&T Deposit Networks, LLC. IDEA℠, Certificate of Deposit Marketplace Exchange℠, R&T Insured Deposits℠ are unregistered service marks of R&T Deposit Networks, LLC.

© 2026 R&T Deposit Networks, LLC

Privacy Policy Privacy Policy – CA Terms of Use Legal Disclosures Receiving Institution Lists DDM Program Limit Do Not Share My Personal Information Cookies