CFPB Seeks Feedback on Uninsured Bank Info Gathering
Published Date: 12/9/2025
Notice
Summary
The Consumer Financial Protection Bureau wants to keep collecting info from banks that don’t have federal deposit insurance. This affects about 167 businesses and asks for feedback by February 9, 2026. The goal is to keep rules clear without adding extra paperwork or costs.
Analyzed Economic Effects
3 provisions identified: 1 benefits, 2 costs, 0 mixed.
Disclosure and Acknowledgment Rules Stay Active
Regulation I (12 CFR part 1009) requires depository institutions that lack Federal deposit insurance to disclose insurance-related information in periodic statements, account records, deposit locations, and advertising. Those institutions must also obtain a written acknowledgment from depositors saying the institution lacks Federal deposit insurance.
Estimated Compliance Burden Hours
The CFPB estimates this collection affects about 167 depository institutions lacking Federal deposit insurance and imposes an estimated total annual burden of 4,609 hours under OMB Control Number 3170-0062.
No New Information Requests Proposed
The Bureau states it is requesting reinstatement of OMB approval for the existing collection and is not proposing any new or revised collections of information in this request under OMB Control Number 3170-0062.
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Key Dates
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