FDIC Modernizes Rules for Bank Insured Signs
Published Date: 8/21/2025
Proposed Rule
Summary
The FDIC wants to update the rules about how banks show their insured status on digital channels and ATMs. These changes will make signs clearer and easier to follow, helping customers know when their money is protected. Banks will get more flexibility, and the FDIC is asking for feedback before making it official.
Analyzed Economic Effects
2 provisions identified: 2 benefits, 0 costs, 0 mixed.
Clearer FDIC signs for consumers
You will see clearer signage on banks' digital deposit-taking channels and on automated teller machines (ATMs) that helps show when you are conducting business with an insured depository institution (IDI) and when your funds are protected by the FDIC's deposit insurance coverage. The proposal is meant to reduce confusion that has arisen under current signage rules.
More flexibility for bank signage
Insured depository institutions (IDIs) would get additional flexibility in how they display FDIC membership on digital deposit-taking channels and on ATMs and like devices. The FDIC is seeking public comment on these proposed changes to address implementation issues and potential sources of confusion before finalizing any rule.
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Key Dates
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