Regulatory Alerts2026-08-27 | FIL-52-2026Added
Interim Final Rule on Reciprocal Deposits
The interim final rule amends brokered deposit regulations concerning the limited exception for reciprocal deposits to conform to section 29 of the Federal Deposit Insurance Act, as amended by section 902 of the 21st Century ROAD to Housing Act. It increases the amount of reciprocal deposits agent institutions may exclude from treatment as brokered deposits by modifying the general cap with a new tiered liability-based calculation up to a maximum of $30 billion and amends the definition of agent institution to include 3-rated, well capitalized institutions. The rule clarifies when an institution receives nonmaturity reciprocal deposits and requalifies as an agent institution following specific changes, applies to all FDIC-insured financial institutions, and establishes that comments are due 30 days after the date of publication in the Federal Register.
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