I think theft and fraud both count as laws that are in place.

The FDIC has an entirely different purpose. The banks themselves usually cover customer losses themselves due to hacking. Identity theft can be more difficult to recover from, of course, but if Intuit/Mint/Yodlee had a major security breach, it would need to be cleaned up very quickly.

It is relatively commonplace to prosecute monetary theft compared to prosecuting "gmail theft" or "twitter spamming."