Regulatory Alerts2026-01-22 | FIL-3-2026FDIC Final Rule on Official Signs, Membership Advertising, False Advertising, and Deposit Insurance Misrepresentation
The Federal Deposit Insurance Corporation has issued a final rule amending signage requirements for insured depository institutions operating digital deposit-taking channels and automated teller machines. The amendments provide greater flexibility in the design and placement of official digital signs, clarify that signage must appear on initial, login, and deposit account opening pages, and adjust non-deposit product disclosures to apply only to pages primarily dedicated to those products. By reducing implementation burdens and clarifying display standards, the rule minimizes consumer confusion regarding FDIC membership and deposit insurance coverage, with compliance required by April 1, 2027.
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