FDIC Trims Bank Assessment Fees to Avoid Overcharging After Failures
Published Date: 12/19/2025
Rule
Summary
The FDIC is lowering the special assessment rate banks pay to cover losses from protecting uninsured depositors, dropping it from 3.36 to 2.97 basis points starting December 19, 2025. Banks affected by this will also get credits if the FDIC collects more than needed after key legal cases and receiverships end. This change helps keep fees fair and avoids overcharging while recovering costs responsibly.
Analyzed Economic Effects
4 provisions identified: 3 benefits, 1 costs, 0 mixed.
One-Time Final Shortfall Charge Possible
If losses at the termination of the receiverships exceed the aggregate amount collected through the special assessment, the FDIC will impose a one-time final shortfall special assessment on insured depository institutions. The FDIC will notify each institution at least 45 days before such a shortfall special assessment is due, and the aggregate one-time amount will equal the losses less amounts already collected and any offsets applied.
Eighth-Quarter Assessment Rate Cut
The FDIC lowers the special assessment rate for the eighth quarterly collection from 3.36 basis points to 2.97 basis points. That change is effective December 19, 2025 and reduces the eighth-quarter collection for affected banks from about $2.1 billion to about $1.9 billion, lowering aggregate collections by approximately $246 million (an 11.6% reduction for the quarter).
Offsets If Collections Exceed Losses
If the aggregate special assessment collected exceeds loss estimates after final resolution of the FDIC's litigation with SVB Financial Trust (SVBFT), the FDIC will apply an offset to regular quarterly deposit insurance assessments for banks subject to the special assessment. The offset is proportional to each bank's special assessment payments and would begin the quarter after a final, unappealable judgment or settlement of the SVBFT litigation or upon termination of the receiverships if collections exceed losses then.
Small Entities Not Directly Affected
The FDIC states that no small banking organization reported more than $5 billion in uninsured deposits for the December 31, 2022 reporting period, so the interim final rule does not have a direct effect on small entities as defined by the SBA. The special assessment applies only to banking organizations that reported estimated uninsured deposits in excess of $5 billion as of that date.
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Key Dates
Department and Agencies
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