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The Civil Rights Act of 1991 created a Glass Ceiling Commission to address these inequities, just as the Glass Ceiling Initiative, created in 1989 by the DOL under the leadership of Secretary Lynn Martin, had done. Statistics prove beyond doubt that a glass ceiling existed long before the term was introduced.
Federal deposit insurance became law for commercial banks in 1933 as part of the Glass-Steagall Act, and for S&Ls in 1934. Although a number of state governments had provided deposit insurance before 1933, most state programs had failed and all had been disbanded by then. The federal program was enacted only after long debate.