FDIC Tweaks Privacy Rules to Battle Bank Fraud Smarter
Published Date: 11/17/2025
Notice
Summary
The FDIC is updating how it handles personal info to share data better with other government agencies and fight fraud. These changes affect FDIC employees and anyone whose info is in their records, with new rules kicking in on December 17, 2025. No big costs are mentioned, but you can comment on these updates until that date.
Analyzed Economic Effects
3 provisions identified: 0 benefits, 2 costs, 1 mixed.
Treasury 'Do Not Pay' checks on employee records
The FDIC will add a routine use allowing disclosure of certain FDIC records to the U.S. Department of the Treasury for review through the Do Not Pay Working System to identify, prevent, or recoup improper payments. This specifically includes FDIC personnel and benefits-related systems such as Financial Information Management (FDIC-30-64-0012), Personnel Benefits and Enrollment Records (FDIC-30-64-0014), Personnel Records (FDIC-30-64-0015), Transit Subsidy (FDIC-30-64-0026), and Parking Program (FDIC-30-64-0027); the routine use becomes effective on December 17, 2025.
Do Not Pay checks on FDIC payees and account holders
The FDIC will disclose listed FDIC records to the U.S. Department of the Treasury's Do Not Pay Working System when relevant to reviewing payment and award eligibility for identifying, preventing, or recouping improper payments. This applies to the listed systems including Financial Institution Resolution and Receivership Records (FDIC-013) and Unclaimed Deposit Account Records (FDIC-024), effective December 17, 2025.
FDIC will share records across agencies
The FDIC will add a routine use to every FDIC system of records allowing disclosure to Federal agencies and Federal employees designated under Executive Order 14243 to identify and eliminate waste, fraud, and abuse. This change applies to all FDIC systems listed in the notice and becomes effective on December 17, 2025 (comments due by December 17, 2025).
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