sentences:  Since banks lend most of the deposits and only retain a fraction in the proverbial vault, a bank run can render the bank insolvent.During the Depression, hundreds of banks became insolvent and depositors lost their money.As a result, the U.S. enacted the 1933 Banking Act, sometimes called the Glass–Steagall Act, which created the Federal Deposit Insurance Corporation (FDIC) to insure deposits up to a limit of $2,500, with successive increases to the current $250,000.