Although modeled loosely on the Federal Deposit Insurance Corporation (FDIC) which protects bank customers, unlike the FDIC where accounts are protected against loss of value, SIPC does not protect against market fluctuations or changes in market value. It does not protect against losses in the securities markets, identity theft, or other third-party fraud. Unlike the FDIC, SIPC also does not provide protection where there are claims against solvent brokers or dealers. It provides a form of protection for investors against losses that arise when broker-dealers, with whom they are doing business, become insolvent. Claims against solvent brokers and dealers are typically managed by the securities' industry SROs: the Financial Industry Regulatory Authority (FINRA) and the Commodity Futures Trading Commission (CFTC).