# 2026-15995: FDIC to banks: Loan insiders up to $2M, no biggie?

2026-15995, Extensions of Credit to Insiders, is a Federal Register proposed rule from Federal Deposit Insurance Corporation published 2026-08-06, effective Comments must be received on or before October 5, 2026.; PRIA reads it as touching household money (as of 2026-08-13).

- Canonical: https://policyrisk.com/federal-register/2026-15995
- As of: 2026-08-13
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Document number: 2026-15995
- Title: Extensions of Credit to Insiders
- Type: Proposed Rule
- Agencies: Federal Deposit Insurance Corporation
- Citation: 91 FR 50730
- Published: 2026-08-06
- Effective: Comments must be received on or before October 5, 2026.
- Comments close: 2026-10-05
- Significant: no
- Touches household money: yes
- Regulation identifier numbers: 3064-AG26
- Last updated: 2026-08-13

## In one line

FDIC to banks: Loan insiders up to $2M, no biggie?

## Summary

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.

## Effects PRIA read

- Insider loan caps raised to $400k/$2M: benefit, medium. The FDIC proposes to raise two dollar caps: loans to executive officers not otherwise authorized would increase from $100,000 to $400,000, and extensions of credit to insiders that require prior board approval would increase from $500,000 to $2,000,000. The FDIC estimates up to 1,457 FDIC-supervise…
- Five-year automatic indexing by nominal GDP: benefit, low. The FDIC proposes to automatically update the dollar-based thresholds every five years using seasonally adjusted U.S. nominal GDP. Every five years the FDIC would publish the nominal GDP ratio and updated thresholds, rounding thresholds in the thousands to one significant digit and in the millions…
- Eliminate $25,000 minimum threshold: benefit, low. The FDIC proposes to remove the current $25,000 minimum dollar-based floor from the three-pronged threshold calculation so that the applicable limits would be the lower of a percent of unimpaired capital and unimpaired surplus or a dollar-based maximum (for example, the lower of 2.5% or $400,000 fo…

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- [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
- [2026-15995 on federalregister.gov](https://www.federalregister.gov/documents/2026/08/06/2026-15995/extensions-of-credit-to-insiders)
- [2026-15995 as published (PDF)](https://www.govinfo.gov/content/pkg/FR-2026-08-06/pdf/2026-15995.pdf)

## Related
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- [All Federal Register documents](https://policyrisk.com/federal-register)

Source: PRIA, https://policyrisk.com/federal-register/2026-15995 (as of 2026-08-13).