FDIC Renews Bank Charter Paperwork Collections
Published Date: 10/30/2025
Notice
Summary
The FDIC wants to renew two important info collections that banks use to apply for insurance and charters. They’re asking the public to comment by December 1, 2025, but no one has spoken up yet. This keeps things running smoothly for banks without adding new costs or paperwork.
Analyzed Economic Effects
2 provisions identified: 1 benefits, 1 costs, 0 mixed.
CRA Data Renewal and Hour Reduction
The FDIC is renewing Community Reinvestment Act (CRA) information collections for insured State non‑member banks and State savings associations. The agency estimates total annual burden of 215,207 hours, which is a reduction of 16,375 hours from the 2022 submission due to a decrease in the number of FDIC‑supervised banks and changes in methodology for information collections 5, 8, and 11.
FDIC Application Renewal Burden
The FDIC is renewing the Interagency Charter and Federal Deposit Insurance Application (Form 6200-05) used by banks and savings associations to apply for deposit insurance. The agency estimates 21 respondents, 1 response each, 125 hours per response, for a total annual burden of 2,625 hours. The notice says there is no change in the method or substance of the collection, and the increase in burden hours reflects a rise in the number of respondents.
Personalized for You
How does this regulation affect your finances?
Personalize government policy and PRIA will tell you what this federal register document means for your household, plus every other regulation we track. PRIA reads each provision against your financial profile to show you exactly what matters to your wallet.
Key Dates
Department and Agencies
Related Federal Register Documents
2026-17823, Unsafe or Unsound Practices, Matters Requiring Attention
The OCC and FDIC are rolling out a new rule starting November 2, 2026, that clearly defines what counts as 'unsafe or unsound practices' for banks and savings institutions. This update helps banks focus on big financial risks instead of small paperwork issues, making supervision smarter and fairer. Banks will need to adjust how they handle these risks, which could affect their operations and how they communicate with regulators.
2026-08298, Regulatory Capital Rule: Community Bank Leverage Ratio Framework
Starting July 1, 2026, community banks get a break! The minimum leverage ratio drops from 9% to 8%, making it easier for smaller banks to meet rules. Plus, banks can now stay in this easier framework longer—up to four straight quarters instead of two—helping them manage their money better without rushing.
2026-05960, Regulatory Capital Rules: Regulatory Capital and Standardized Approach for Risk-Weighted Assets
Big banks and community banks are getting new rules to better measure the risks in their loans and investments. The changes update how banks count certain assets and income when figuring out their safety net money, called regulatory capital. These updates aim to make banks safer and smarter with their money, with some rules kicking in soon and affecting how much capital banks need to hold.
2025-21625, Regulatory Capital Rule: Revisions to the Community Bank Leverage Ratio Framework
The government wants to make it easier for small banks to stay in a special low-risk capital program by lowering the required leverage ratio from 9% to 8%. They’re also giving banks more time—up to four quarters instead of two—to fix any issues without losing their spot. Banks and bank holding companies should weigh in by January 30, 2026, as these changes could save them money and reduce red tape.
2025-21626, Regulatory Capital Rule: Modifications to the Enhanced Supplementary Leverage Ratio Standards for U.S. Global Systemically Important Bank Holding Companies and Their Subsidiary Depository Institutions; Total Loss-Absorbing Capacity and Long-Term Debt Requirements for U.S. Global Systemically Important Bank Holding Companies
Big U.S. banks that are super important to the economy are getting new rules to keep them safer and stronger. These changes tweak how much money they must keep on hand and how they handle long-term debt, helping prevent financial trouble. The new rules kick in soon and could affect how these banks manage billions in assets and debt.
2026-20077, Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has Been Appointed Either Receiver, Liquidator, or Manager
The FDIC has officially taken over Nano Banc in Irvine, CA, as of September 25, 2026, stepping in to manage its closure and protect depositors. This update lets everyone know which bank is now in FDIC’s hands, ensuring transparency and smooth handling of the situation. If you’re connected to Nano Banc, keep an eye on FDIC’s website for the latest info and next steps.
Previous / Next Documents
Previous: 2025-19695, Request for Comments on Community Outreach Office Locations in States Formerly Served by the Rocky Mountain Regional Outreach Office
The Patent and Trademark Office wants your ideas on where to open new community outreach offices in the eight states once served by the Rocky Mountain Regional Outreach Office. These new offices will help local inventors and businesses get better support, thanks to a law passed in 2022. If you want to share your thoughts, make sure to send them by November 28, 2025—no public meetings, just your written comments!
Next: 2025-19704, Committee and Quarterly Board Meetings
The National Assessment Governing Board is holding its committee and quarterly meetings in person and online on November 20-21, 2025. Anyone interested must register online five days before the meetings to join virtually. These meetings let the public learn about and comment on important education policies, with no new costs or major changes announced.