FDIC
Federal agency responsible for regulations under FDIC.
23 regulationsApproval Requirements for Issuance of Payment Stablecoins by Subsidiaries of FDIC-Supervised Insured Depository Institutions; Extension of Comment Period
The FDIC is proposing new rules for how banks can offer stablecoins—digital currencies backed by real money or assets—through their subsidiaries. The agency is extending the deadline for public comments on these rules to help people understand and provide feedback on how banks should be allowed to issue and manage these digital payment options.
Federal Deposit Insurance Corporation Official Signs, Advertisement of Membership, False Advertising, Misrepresentation of Insured Status, and Misuse of the Federal Deposit Insurance Corporation's Name or Logo
This regulation sets rules for how banks and financial institutions can display FDIC membership signs and advertise that their deposits are insured. It prevents companies from falsely claiming FDIC protection or misusing the FDIC name and logo to deceive customers about whether their money is actually protected.
Establishment and Relocation of Branches and Offices
This FDIC regulation sets rules for how banks can open new branches or move existing ones to different locations. The rules help ensure banks serve their communities effectively while maintaining safety and stability in the banking system.
Approval Requirements for Issuance of Payment Stablecoins by Subsidiaries of FDIC-Supervised Insured Depository Institutions
This regulation sets rules for how banks can create and issue stablecoins, which are digital currencies backed by real assets like dollars. The new requirements ensure that only well-regulated banks can offer these digital currencies and that they follow strict approval processes to protect consumers.
Special Assessment Collection
The FDIC (the government agency that protects bank deposits) is updating how it collects special fees from banks to cover insurance costs. This rule affects how much money banks have to pay into the deposit insurance fund, which ultimately protects your savings if a bank fails.
Adjusting and Indexing Certain Regulatory Thresholds
The FDIC is updating dollar amounts that trigger certain banking rules and protections to keep pace with inflation. These adjustments ensure that banking regulations remain fair and effective as the value of money changes over time.
Regulatory Capital: Modifications to the Enhanced Supplementary Leverage Ratio Standards for U.S. Global Systemically Important Bank Holding Companies and Their Subsidiary Depository Institutions; Total Loss-Absorbing Capacity and Long-Term Debt Requirements for U.S. Global Systemically Important Bank Holding Companies
This regulation changes how the largest U.S. banks must maintain financial reserves and borrowing limits to protect themselves and the economy from collapse. The rules make it easier for these mega-banks to meet certain safety requirements while ensuring they can absorb losses during financial crises.
Regulatory Capital: Revisions to the Community Bank Leverage Ratio Framework
The FDIC is proposing to change how community banks calculate their capital requirements, which are financial safety buffers that banks must maintain. This rule would simplify the calculation process for smaller banks, potentially making it easier for them to operate while still protecting depositors' money.
Official Signs and Advertising Requirements, False Advertising, Misrepresentation of Insured Status, and Misuse of the Federal Deposit Insurance Corporation's Name or Logo
This FDIC regulation sets rules for how banks and financial institutions can advertise their services and use the FDIC's name and logo. It prevents companies from falsely claiming they have FDIC insurance protection or misleading customers about their insured status, protecting people from scams and fraud.
Unsafe or Unsound Practices, Matters Requiring Attention
The FDIC is proposing new rules to identify and address unsafe or unsound banking practices before they threaten the stability of banks or put depositors' money at risk. This regulation gives federal banking regulators clearer authority to step in early when banks are taking excessive risks or operating poorly, which helps protect people's savings accounts and the overall financial system.
Prohibition on Use of Reputation Risk by Regulators
The FDIC is proposing a new rule that would prevent bank regulators from punishing banks based on reputation or public relations concerns, and instead require them to focus only on actual financial and legal risks. This rule aims to protect banks from regulatory actions that might be unfair or politically motivated rather than based on real dangers to the banking system.
FDIC Official Signs, Advertisement of Membership, False Advertising, Misrepresentation of Insured Status, and Misuse of the FDIC's Name or Logo
The FDIC is proposing new rules to prevent banks and financial institutions from misleading customers about whether their deposits are protected by federal insurance. The regulation aims to stop false advertising and misuse of the FDIC name or logo, ensuring people can trust what banks tell them about deposit safety.