2026-09-22 | 2026-19310

Added

State Bank Parity

The FDIC proposes amendments to 12 CFR Part 331 to establish parity between out-of-State State banks and national banks regarding the application of host State laws. The rule specifies that host State laws apply to out-of-State State banks providing services in a host State, with or without a branch, to the same extent such laws apply to out-of-State national banks. Consequently, if host State laws are preempted for national banks, they similarly do not apply to out-of-State State banks, meaning the chartering State's law applies instead. Comments on this notice of proposed rulemaking must be received by November 23, 2026.

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