On November 5, 2012, the FDIC issued FIL-45-2012, Notice of Expiration: Temporary Unlimited Coverage for Noninterest-Bearing Transaction Accounts. As explained in the FIL, section 343 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) provides separate, unlimited deposit insurance coverage for noninterest-bearing transaction accounts (NIBTAs), including Interest on Lawyer Trust Accounts; however, the unlimited coverage is scheduled to expire on December 31, 2012. Absent a change in law, starting on January 1, 2013, the FDIC will insure NIBTAs in accordance with 12 C.F.R. Part 330, which generally provides each depositor up to $250,000 in coverage at each separately chartered insured depository institution (IDI).