Banks Get Extra Time to Weigh In on Insider Loan Rules
Published Date: 10/9/2026
Proposed Rule
Summary
The FDIC is giving banks and insiders more time to share their thoughts on new rules about loans to insiders by extending the comment deadline to November 4, 2026. These rules aim to keep lending fair and safe, especially when insiders like executives or board members borrow money. If you’re involved with banks or interested in fair lending, now’s your chance to speak up before the final rules are set!
Analyzed Economic Effects
3 provisions identified: 3 benefits, 0 costs, 0 mixed.
Raises dollar thresholds for insider credit
If you are an insider (for example, an executive or board member) at an FDIC‑supervised bank, the FDIC published a proposal on August 6, 2026, to increase the dollar-based thresholds that apply to certain extensions of credit to insiders. The proposal explicitly would raise those quantitative thresholds that determine which insider loans are subject to the legal restrictions in the Federal Reserve Act and related regulations.
Automatic five‑year indexing of thresholds
The FDIC's proposal would create an automatic indexing method that adjusts those dollar‑based thresholds every five years to reflect economic growth and inflation. That means the thresholds would be recalculated on a five‑year cycle rather than left static between rulemakings.
Aligns FDIC thresholds with Regulation O
The proposal would raise and index certain dollar thresholds to align those FDIC thresholds with the Board of Governors' proposed thresholds under Regulation O of the Federal Reserve Act. The alignment is explicitly described as matching the approach proposed by the Board of Governors.
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Key Dates
Department and Agencies
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