FDICFinal Rule
Adjusting and Indexing Certain Regulatory Thresholds
Finance & Banking
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Summary
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.
Key Points
- 1The FDIC adjusts various monetary thresholds annually based on inflation to maintain the intended scope of federal banking rules
- 2These adjustments affect requirements for bank reporting, consumer disclosures, and deposit insurance coverage limits
- 3The changes ensure that small banks and consumers aren't unfairly burdened or excluded by outdated dollar amounts
- 4Higher thresholds mean some banks may qualify for lighter regulatory requirements as inflation pushes the adjusted amounts upward
- 5Banks must comply with the new indexed amounts for transactions and reporting effective after the regulation's publication date
Key Dates
Published
December 4, 2025
This summary is for informational purposes only. It may not capture all nuances of the regulation. Always refer to the official text for authoritative information.
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