# 2026-01806: FDIC Official Signs, Advertisement of Membership, False Advertising, Misrepresentation of Insured Status, and Misuse of the FDIC's Name or Logo 2026-01806, FDIC Official Signs, Advertisement of Membership, False Advertising, Misrepresentation of Insured Status, and Misuse of the FDIC's Name or Logo, is a Federal Register rule from Federal Deposit Insurance Corporation published 2026-01-29, effective 2026-03-02 (as of 2026-06-11). - Canonical: https://policyrisk.com/federal-register/2026-01806 - As of: 2026-06-11 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Document number: 2026-01806 - Title: FDIC Official Signs, Advertisement of Membership, False Advertising, Misrepresentation of Insured Status, and Misuse of the FDIC's Name or Logo - Type: Rule - Agencies: Federal Deposit Insurance Corporation - Citation: 91 FR 3801 - Published: 2026-01-29 - Effective: 2026-03-02 - Comments close: not stated - Significant: no - Touches household money: no - Regulation identifier numbers: 3064-AG14 - Last updated: 2026-06-11 ## Summary The FDIC is updating rules about how banks show their FDIC insurance on websites, apps, and ATMs. These changes give banks more freedom in their signs while helping customers clearly know when their money is protected. Banks must follow the new rules by April 1, 2027, starting March 2, 2026. ## Abstract The Federal Deposit Insurance Corporation (FDIC) is amending its signage requirements for insured depository institutions' (IDIs) digital deposit-taking channels and automated teller machines (ATMs) and like devices. This final rule is intended to address implementation issues and sources of potential confusion raised following the adoption of signage requirements for these banking channels in 2023. The final rule provides additional flexibility to IDIs while also enabling consumers to better understand when they are conducting business with an IDI and when their funds are protected by the FDIC's deposit insurance coverage. ## Effects PRIA read - More flexible FDIC digital sign design: benefit, low. Banks (insured depository institutions) may display the FDIC official digital sign using navy blue or black text without specific hexadecimal color codes, and may use Source Sans Pro Web or a similar font. The rule lets banks wrap the digital sign text to fit screens and does not require a specific… - Where digital FDIC signs must appear: benefit, low. On bank websites and apps, the FDIC official digital sign is now required only on the initial page or homepage, the login page, and the first page or screen where a consumer first initiates a deposit account opening. These display requirements take effect March 2, 2026 with compliance required by A… - Narrower non-deposit signage online: benefit, low. Banks must display non-deposit signage (stating non-deposit products are not FDIC insured, are not deposits, and may lose value) only on pages that are primarily dedicated to advertising, providing information about, or giving access to non-deposit products on digital deposit-taking channels. Signa… - One-time exit notice for third-party links: benefit, low. When a logged-in bank customer leaves a bank's digital deposit channel to access third-party non-deposit products (including affiliated platforms), the bank must show a one-time notification saying the products are not FDIC insured, are not deposits, and may lose value. The notification may be dism… - Banks may add extra disclosures: benefit, low. The rule explicitly permits insured depository institutions to display additional signage or disclosures on digital channels or ATMs beyond what the FDIC requires, for example clarifying that FDIC insurance on a page applies only to that institution's deposits. - ATM signage only on initial screen: benefit, low. For ATMs and like devices, the FDIC official digital sign must be displayed on the device's initial screen (the screen that appears before users engage the device). The rule clarifies that idle advertisement screens are not considered initial screens to avoid misleading displays. Effective March 2,… - Physical sign exception for certain ATMs: benefit, medium. ATMs and like devices placed into service before April 1, 2027 may display the physical FDIC official sign instead of the digital sign. Also, any ATM that does not allow customers to transact with non-deposit products may display the physical sign regardless of when it was placed into service. - Narrower ATM non-deposit signage rules: benefit, low. Non-deposit signage on ATMs is required only for the institution's own customers (not for non-customers) and only at the initial transaction page/screen when a user initiates a non-deposit transaction. This narrows prior requirements that applied more broadly. ## Related documents - [2026-17823](https://policyrisk.com/federal-register/2026-17823): Unsafe or Unsound Practices, Matters Requiring Attention, 2026-09-01 - [2026-08298](https://policyrisk.com/federal-register/2026-08298): Regulatory Capital Rule: Community Bank Leverage Ratio Framework, 2026-04-29 - [2026-05960](https://policyrisk.com/federal-register/2026-05960): Regulatory Capital Rules: Regulatory Capital and Standardized Approach for Risk-Weighted Assets, 2026-03-27 - [2025-21625](https://policyrisk.com/federal-register/2025-21625): Regulatory Capital Rule: Revisions to the Community Bank Leverage Ratio Framework, 2025-12-01 - [2025-21626](https://policyrisk.com/federal-register/2025-21626): Regulatory Capital Rule: Modifications to the Enhanced Supplementary Leverage Ratio Standards for U.S. Global Systemically Important Bank H…, 2025-12-01 - [2026-20735](https://policyrisk.com/federal-register/2026-20735): Extensions of Credit to Insiders, 2026-10-09 ## Sources - [2026-01806 on federalregister.gov](https://www.federalregister.gov/documents/2026/01/29/2026-01806/fdic-official-signs-advertisement-of-membership-false-advertising-misrepresentation-of-insured) - [2026-01806 as published (PDF)](https://www.govinfo.gov/content/pkg/FR-2026-01-29/pdf/2026-01806.pdf) ## Related - [Previous: 2026-01797, Improving SBA Disaster Loan Ability To Provide Meaningful and Timely Assistance](https://policyrisk.com/federal-register/2026-01797) - [Next: 2026-01842, List of Approved Spent Fuel Storage Casks: NAC International, Inc., NAC-UMS® Un…](https://policyrisk.com/federal-register/2026-01842) - [All Federal Register documents](https://policyrisk.com/federal-register) Source: PRIA, https://policyrisk.com/federal-register/2026-01806 (as of 2026-06-11).