FDIC Paperwork Renewal Met with Crickets So Far
Published Date: 2/17/2026
Notice
Summary
The FDIC wants to renew some important paperwork rules that affect state banks. They’re asking for your thoughts by March 19, 2026, but so far, no one has spoken up. This renewal won’t cost extra money but keeps banks sharing key info to help protect consumers and the economy.
Analyzed Economic Effects
3 provisions identified: 3 benefits, 0 costs, 0 mixed.
Deposit Insurance Recordkeeping for Fast Payouts
Insured depository institutions with two million or more deposit accounts must maintain complete, accurate data on each depositor's ownership interest and the capability to calculate insured and uninsured amounts so the FDIC can make timely deposit insurance determinations if the bank fails. The FDIC estimates the annual burden for this collection is 10,169 hours.
Appraisal Disclosures for Higher‑Priced Loans
For higher‑risk (higher‑priced) mortgage loans, creditors must provide a disclosure within three days of application and must obtain a written appraisal by a certified or licensed appraiser (including an interior visit) and send a copy of the written appraisal to the consumer without charge prior to loan consummation. The rule also requires creditors to provide certain appraisal‑related disclosures and additional appraisals in specified resale situations.
Mortgage Application Data Reporting Continues
Banks that meet an asset-size threshold must keep data on home loan applications, update it quarterly, and report it annually. The FDIC estimates the total annual burden for this Home Mortgage Disclosure Act collection is 329,347 hours, a 44 percent decrease from 2022.
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