FDIC Tweaks Privacy Rules to Battle Bank Fraud Smarter
Published Date: 11/17/2025
Notice
Summary
The FDIC is updating how it handles personal info to share data better with other government agencies and fight fraud. These changes affect FDIC employees and anyone whose info is in their records, with new rules kicking in on December 17, 2025. No big costs are mentioned, but you can comment on these updates until that date.
Analyzed Economic Effects
3 provisions identified: 0 benefits, 2 costs, 1 mixed.
Treasury 'Do Not Pay' checks on employee records
The FDIC will add a routine use allowing disclosure of certain FDIC records to the U.S. Department of the Treasury for review through the Do Not Pay Working System to identify, prevent, or recoup improper payments. This specifically includes FDIC personnel and benefits-related systems such as Financial Information Management (FDIC-30-64-0012), Personnel Benefits and Enrollment Records (FDIC-30-64-0014), Personnel Records (FDIC-30-64-0015), Transit Subsidy (FDIC-30-64-0026), and Parking Program (FDIC-30-64-0027); the routine use becomes effective on December 17, 2025.
Do Not Pay checks on FDIC payees and account holders
The FDIC will disclose listed FDIC records to the U.S. Department of the Treasury's Do Not Pay Working System when relevant to reviewing payment and award eligibility for identifying, preventing, or recouping improper payments. This applies to the listed systems including Financial Institution Resolution and Receivership Records (FDIC-013) and Unclaimed Deposit Account Records (FDIC-024), effective December 17, 2025.
FDIC will share records across agencies
The FDIC will add a routine use to every FDIC system of records allowing disclosure to Federal agencies and Federal employees designated under Executive Order 14243 to identify and eliminate waste, fraud, and abuse. This change applies to all FDIC systems listed in the notice and becomes effective on December 17, 2025 (comments due by December 17, 2025).
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.
2026-19308, Merger Transactions
The FDIC is proposing new rules to make bank merger reviews faster, clearer, and fairer. These changes affect banks, credit unions, and anyone involved in mergers by simplifying paperwork, speeding up approvals, and updating how deals are judged. Comments on the proposal are open until November 23, 2026, so now’s the time to weigh in!
Previous / Next Documents
Previous: 2025-19978, Sunshine Act Meetings
The SEC is holding a closed meeting on November 20, 2025, to discuss important legal and enforcement actions like lawsuits and investigations. This meeting affects SEC commissioners and select staff, with no public access or direct cost impact. If anything changes, updates will be posted online, keeping everyone in the loop!
Next: 2025-19980, Quarterly Publication of Individuals, Who Have Chosen To Expatriate
Every few months, the IRS shares a list of people who have officially given up their U.S. citizenship or long-term resident status. This update covers those who lost their status by September 30, 2025. If you’re thinking about expatriating, keep in mind this process can affect your taxes and might come with some financial consequences.