Banks' Safety Cushion Stays Exactly the Same
Published Date: 11/28/2025
Notice
Summary
The FDIC has decided to keep the Designated Reserve Ratio (DRR) at 2% for 2026, meaning banks will continue to hold the same amount of money to protect depositors. This steady rate helps keep the Deposit Insurance Fund strong without changing costs for banks or customers. The decision was announced in late 2025 and keeps things stable for the year ahead.
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
FDIC Keeps DRR at 2% for 2026
The FDIC announced that the Designated Reserve Ratio (DRR) for the Deposit Insurance Fund will remain at 2 percent for 2026. This decision, dated November 25, 2025 and published in the Federal Register on November 28, 2025, means banks will continue to hold the same amount to protect depositors and there will be no change in costs for banks or customers.
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
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.
2026-16454, Community Reinvestment Act Regulations
The Office of the Comptroller of the Currency (OCC) and the Federal Deposit Insurance Corporation (FDIC) are proposing to amend their Community Reinvestment Act rules by making certain substantive, technical, and process-oriented changes to refocus on the statutory objective of encouraging banks to meet the credit needs of their communities; to better ensure that community development grants reach the communities they are intended to benefit; to reduce unnecessary burden, particularly for community banks; and to provide greater clarity for how to obtain CRA consideration. The OCC and the FDIC are also proposing certain technical changes to their rules implementing the Community Reinvestment Act sunshine requirements of the Federal Deposit Insurance Act. In addition, the OCC is proposing similar technical changes to its Public Welfare Investments rule and its Rules, Policies, and Procedures for Corporate Activities.
2026-15995, Extensions of Credit to Insiders
The Federal Deposit Insurance Corporation (FDIC) is proposing to increase quantitative thresholds for certain extensions of credit to insiders of FDIC-supervised institutions, as restricted by the Federal Reserve Act and regulations promulgated thereunder. Specifically, the proposal would increase the thresholds for certain extensions of credit to executive officers not otherwise specifically authorized by statute from $100,000 to $400,000; and extensions of credit to insiders requiring prior approval by the board of directors from $500,000 to $2,000,000. The proposal would also establish an indexing methodology to periodically update such thresholds over time.
2026-14900, Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has Been Appointed Either Receiver, Liquidator, or Manager
The FDIC just took over Small Business Bank in Lenexa, Kansas, after it closed on July 17, 2026. This means the FDIC is now in charge of handling the bank’s affairs to protect customers and manage its assets. If you had money there, the FDIC is working to keep things safe and sorted out as quickly as possible.
2026-14589, Reporting Forms and Instructions Associated With Requirements and Standards for FDIC-Supervised Permitted Payment Stablecoin Issuers
The FDIC is rolling out new weekly and quarterly reporting forms for companies that issue permitted payment stablecoins and are supervised by the FDIC. These forms help keep things transparent and safe, and the FDIC wants your feedback by September 18, 2026. If you’re involved in stablecoins, get ready for new paperwork that keeps the money world running smoothly!
2026-13506, Agency Information Collection Activities: Proposed Collection Renewal; Comment Request
The FDIC wants to keep collecting feedback from businesses without changing the current process. They’re asking for comments by August 5, 2026, but so far, no one has spoken up. This renewal won’t cost extra or add new paperwork, just keeps things running smoothly for private companies sharing their thoughts.
Previous / Next Documents
Previous: 2025-21459, Petition for Exemption; Summary of Petition Received; Rotor Technologies, Inc.
Rotor Technologies, Inc. asked the FAA for a special exemption from some aviation rules to help their business run smoother. This affects pilots and companies using Rotor’s tech, possibly speeding up operations without extra costs. The public can share their thoughts by December 29, 2025, so don’t miss your chance to weigh in!
Next: 2025-21462, Collection of Information Under Review by Office of Management and Budget; OMB Control Number: 1625-0005
The U.S. Coast Guard is asking to keep collecting info for handling hazardous materials, with no changes to the current process. This affects anyone applying for permits to manage dangerous stuff and asks for public comments by December 29, 2025. No new costs or paperwork increases are planned, just a smooth extension to keep things running safely.