Regulatory Alerts2026-05-15 | FIL-22-2026Updated FDIC Questions and Answers Regarding Official Signs and Advertising Requirements
The Federal Deposit Insurance Corporation (FDIC) updated its guidance to reflect January 2026 amendments to Regulation Part 328, which modernize signage and advertising requirements for insured depository institutions across websites, mobile applications, and automated teller machines. These questions and answers address stakeholder inquiries to promote transparency and ensure compliance with the April 1, 2027 implementation deadline. The agency will continue to periodically revise the guidance on its website as regulatory requirements evolve.
Supervisory Guidance
May 15, 2026
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Summary: The Federal Deposit Insurance Corporation (FDIC) is updating its Questions and Answers (Q&As) related to the FDIC’s regulation governing FDIC Official Signs, Advertisement of Membership, False Advertising, Misrepresentation of Insured Status, and Misuse of the FDIC Name or Logo, to reflect the FDIC’s 2026 amendments to the rule (part 328). The Q&As provide answers to a collection of questions from stakeholders, including insured depository institutions (IDIs), trade associations, technology companies, vendors, and other entities, and are intended to promote transparency and support implementation efforts. The Q&As can be found on the FDIC’s website. Statement of Applicability: The contents of, and material referenced in, this FIL apply to all FDIC-insured financial institutions. Highlights: The final rule, issued in January 2026, amends part 328’s signage requirements for IDI websites, mobile applications, and automated teller machines and like devices. The final rule’s compliance date is April 1, 2027. The FDIC published the first set of Q&As on this topic in 2024 and has periodically updated them since that time. The FDIC will continue to update the Q&As periodically on the FDIC’s website, as needed.
FIL-22-2026
Attachment(s)
Final Rule
Related Topics
Consumer Compliance/Protection
Deposit Insurance
Fintech
Contact(s)
Division of Depositor and Consumer Protection