FDIC Kicks Bank Ad Rules Down the Road—Yet Again
Published Date: 3/11/2025
Rule
Summary
The FDIC updated rules about how banks show their FDIC insurance status on signs and ads. Banks must follow these new rules, but deadlines to fully comply have been pushed back to May 1, 2025, and for digital signs on ATMs and websites, to March 1, 2026. These changes help keep customers clear about which banks are insured and protect the FDIC’s name and logo from misuse.
Analyzed Economic Effects
3 provisions identified: 1 benefits, 1 costs, 1 mixed.
Bank Sign & Ad Rules: May 1, 2025 Deadline
If you run an insured depository institution (a bank), the FDIC's updated rules for signs and advertisements require full compliance by May 1, 2025. The amendments originally took effect April 1, 2024, and the FDIC delayed the compliance date to May 1, 2025.
Digital FDIC Sign Delay to March 1, 2026
The FDIC postponed the requirement to display an official FDIC digital sign on banks' digital channels and ATM screens to March 1, 2026. During the postponement the FDIC will review implementation feedback and expects to propose regulatory changes to address possible consumer confusion.
Clearer FDIC Insurance Information for Customers
You will see clearer information about whether a bank is FDIC-insured because the FDIC updated how banks must show insured status on signs and advertisements. The amendments took effect April 1, 2024, with full compliance for signs and ads required by May 1, 2025, and protections for the FDIC name and logo are part of the rules.
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