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Nyc (CNNMoney) — AIG possess obtained an excellent $150 billion package Tuesday, but that’s simply half brand new almost $step three trillion within the economic rescue programs the federal government has established so you can stabilize the latest U.S. cost savings.

The brand new Federal Set aside and you can You.S. Treasury Service officials caused AIG executives across the sunday to help you reconstitute the brand spanking new bailout package, the latest key of which is a premier-interest-speed loan.

Worried one an AIG failure carry out cause an effective domino perception from the economic climate and you may a loss of billions of taxpayer dollars, government entities reworked the offer.

You to raises questions about prospective government advice to other stressed people, such vehicle manufacturer Standard Vehicles (GM, Luck five hundred), and therefore told you Monday it absolutely was powering dangerously reasonable with the dollars.

“Clearly there are many marketplace looking opening TARP (Troubled Advantage Save System) finance, as well as the Treasury is going to work into a method you to tend to most effectively deploy the remainder loans,” good Treasury formal told you Monday.

The newest Treasury might have been licensed to utilize as much as $700 mil out-of taxpayer money to get guarantee limits and you may stressed property away from companies. It’s put regarding $172 billion of these up to now to help you inject financing towards the throughout the forty-two financial institutions, centered on experts on Keefe, Bruyette & Trees. The fresh loans Leroy AL new Treasury comes with utilized $40 billion so you’re able to inject financing into AIG (AIG, Luck five hundred).

Highest credit will cost you produced student loans unprofitable for a lot of lenders, nearly all exactly who stopped issuing this new finance

With the chances of a lot more bailouts on the way, information on how the us government keeps up to now invested vast amounts of dollars in order to save financial institutions, businesses, customers and their belongings:

Term-auction business: $step one.5 trillion inside loans so you’re able to banking institutions at this point in return for if not unwanted equity. The newest Given improved its month-to-month public auction restriction to $three hundred mil inside the .

Money swap traces: Limitless cash so you can 13 international main financial institutions to incorporate exchangeability so you can overseas loan providers. Brand new Given lifted its cap once increasing they to $620 million during the Oct out-of $24 billion inside the December.

Sustain Stearns: $30 million inside a different lending studio to guarantee prospective losings towards the portfolio. For the credit business, JPMorgan managed to step up to keep Sustain from case of bankruptcy.

Credit in order to financial institutions: $77 mil borrowed normally every single day to investment banking institutions, after facility unwrapped to help you low-industrial banking companies getting first-time in the February.

Cash treatments: $250 mil to financial institutions in return for security risk in the financial institutions when it comes to senior common shares.

Stimulus monitors: $100 billion within the stimulus monitors produced its means to fix 140 mil taxation filers to increase user purchasing and help build the latest benefit.

Bank takeovers: $thirteen.dos million removed off yet on FDIC’s deposit insurance rates finance shortly after 19 lender disappointments in 2008.

Money-business promises: $fifty million into the insurance for the money-field money. The fresh new Provided upcoming began to give an unlimited amount of cash to finance banks’ commands off obligations off currency-field funds. Brand new Provided next wanted to get doing $69 billion inside the money-field obligations physically. Inside the Oct, the Provided said it would mortgage around $600 mil to money-industry financing.

Casing save your self: $3 hundred mil approved getting insurance of the latest 29-12 months, fixed-rate mortgage loans having at the-exposure borrowers. The balance is sold with $sixteen billion from inside the income tax credit to have earliest-date homebuyers. But loan providers was basically slow so you’re able to sign on.

Deposit insurance policies: $250,000 in the insurance coverage for attention-results levels, up out-of $100,000. The fresh FDIC and additionally granted unlimited pledges toward low-interest- affect membership and you can recently provided unsecured financial personal debt.

Providers stimuli: $68 billion inside tax breaks in order to firms to help flake out the fresh new stranglehold to your organizations trying to financing every single day doing work expenses.

Federal national mortgage association, Freddie Mac computer: $two hundred million to help you bail out the borrowed funds finance creatures. Federal authorities believed power over the firms additionally the $5 trillion home based money it back.

AIG: $152.5 million restructured bailout, including an immediate financing because of preferred shares, good much easier terms towards the an effective $60 mil loan, and the new establishment designed to accept the businesses experience of credit-default exchanges.

However, AIG told you it might have a tough time repaying the mortgage

Industrial report facility: $243 million from inside the corporate loans bought up to now because of the Given as the the therefore-entitled Industrial Paper Investment Facility started.