FDICFinal RuleDecember 29, 2025

Establishment and Relocation of Branches and Offices

Finance & Banking

Summary

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.

Key Points

1Banks must get FDIC approval before opening a new branch or relocating an existing branch to a different location
2The FDIC reviews applications to make sure banks have the financial capacity and management ability to operate the new branch successfully
3Banks must demonstrate that opening or moving a branch will meet the convenience and needs of the communities they serve
4The regulation helps prevent banks from overexpanding in ways that could create financial problems or leave communities underserved
5The approval process protects depositors by ensuring only financially sound banks open new locations

Impact Assessment

If you are a Financial Institution, this means you must follow specific procedures and obtain FDIC approval before opening new branches or relocating existing ones to ensure community service standards are met.

Impact Level

Moderate

Geographic Scope

National

Compliance Cost

Moderate

Who is Affected

Financial InstitutionsConsumersSmall Businesses

Key Dates

Published

December 29, 2025

Regulatory Connections

Authorized By

Federal Deposit Insurance Act 18 U.S.C. § 1828

Amends CFR Sections

12 CFR Part 303

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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.