Regulatory Alerts2025-12-19 | 2025-23425Special Assessment Collection
The Federal Deposit Insurance Corporation amends its regulations to reduce the special assessment rate for the eighth collection quarter from 3.36 to 2.97 basis points, ensuring precise recovery of approximately $16.7 billion in losses from the Silicon Valley Bank and Signature Bank closures. The rule mandates proportional offsets to regular quarterly deposit insurance assessments for affected institutions if aggregate collections exceed final loss estimates following SVB Financial Trust litigation resolution and receivership terminations. By eliminating extended assessment period provisions and establishing clear shortfall or surplus adjustment mechanisms, the FDIC minimizes overcollection risks while maintaining consistent quarterly payment structures for insured depository institutions.