# 2025-00643: Notice of Inflation Adjustments for Civil Money Penalties

2025-00643, Notice of Inflation Adjustments for Civil Money Penalties, is a Federal Register notice from an unnamed agency published 2025-01-14, effective 2025-01-15 (as of 2026-06-08).

- Canonical: https://policyrisk.com/federal-register/2025-00643
- As of: 2026-06-08
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Document number: 2025-00643
- Title: Notice of Inflation Adjustments for Civil Money Penalties
- Type: Notice
- Agencies: unknown
- Citation: unknown
- Published: 2025-01-14
- Effective: 2025-01-15
- Comments close: not stated
- Significant: no
- Touches household money: no
- Regulation identifier numbers: none
- Last updated: 2026-06-08

## 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.

## Abstract

The Federal Deposit Insurance Corporation is providing notice of its maximum civil money penalties as adjusted for inflation.

## Effects PRIA read

- FDIC Raises Maximum Civil Penalties: cost, high. 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 T…
- Older Violations Kept Under Prior Caps: benefit, low. 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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## Sources
- [2025-00643 on federalregister.gov](https://www.federalregister.gov/documents/2025/01/14/2025-00643/notice-of-inflation-adjustments-for-civil-money-penalties)
- [2025-00643 as published (PDF)](https://www.govinfo.gov/content/pkg/FR-2025-01-14/pdf/2025-00643.pdf)

## Related
- [Previous: 2025-00641, Community College of the Air Force Subcommittee of the Air University Board of…](https://policyrisk.com/federal-register/2025-00641)
- [Next: 2025-00644, Information Collection Being Reviewed by the Federal Communications Commission](https://policyrisk.com/federal-register/2025-00644)
- [All Federal Register documents](https://policyrisk.com/federal-register)

Source: PRIA, https://policyrisk.com/federal-register/2025-00643 (as of 2026-06-08).