Notice of Inflation Adjustments for Civil Money Penalties
Published Date: 1/14/2025
Notice
Summary
Starting January 15, 2025, the FDIC is raising the maximum fines it can charge for breaking banking rules to keep up with inflation. This means banks and financial folks need to watch out because penalties for bad behavior just got pricier! These changes apply to actions happening on or after November 2, 2015, so the new rules are already in effect for recent cases.
Analyzed Economic Effects
2 provisions identified: 1 benefits, 1 costs, 0 mixed.
FDIC Raises Maximum Civil Penalties
The FDIC increased the maximum civil money penalties it may assess, effective for penalties assessed after January 15, 2025, for conduct on or after November 2, 2015. For example, several statutory caps rose: a Tier One CMP went from $4,899 to $5,026, a Tier Two CMP from $48,992 to $50,265, and a Tier Three CMP from $2,449,575 to $2,513,215.
Older Violations Kept Under Prior Caps
The notice confirms that penalties for violations occurring before November 2, 2015, remain subject to the FDIC maximum amounts that were in effect before the 2015 Adjustment Act. That means the higher January 15, 2025 caps do not apply to pre-November 2, 2015 conduct.
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