FDIC Advertising Final Rule Update
The FDIC recently issued a Final Rule to amend the signage requirements for digital deposit-taking channels (§328.5) as well as ATMs and like devices (§328.4). The mandatory compliance date is April 1, 2027.
The concept of an “official digital sign” is still intact from the December 2023 Rule; however, the very specific formatting requirements have been relaxed to some degree. There will be sign requirements for certain digital deposit-taking channels related to non-deposit products. The Final Rule also specifies sign requirements for the “initial screen” on ATMs (and similar devices) that receive deposits, which depend on whether the ATM was put into service before or after the mandatory compliance date of April 1, 2027.
Published
2026/02/10
Diane Dean
Diane joined Banker’s Compliance Consulting with over 10 years of compliance experience and over 15 years of experience within the financial industry. Diane is a Certified Regulatory Compliance Manager (CRCM) and has a Bachelor’s Degree in Sociology with a concentration in Criminal Justice. She is a graduate of the Schools of Banking Compliance School and has participated in various other training opportunities throughout her career. Diane understands firsthand the struggles banks face in building and maintaining successful compliance programs. Her experience and common sense approach to consumer compliance is a great asset to our clients. Diane and her husband have two kids who keep them busy. She enjoys running and other sports and is a big Bugs Bunny fan! She’s a bit crazy in that she does enjoy reading some of these regulations and she’s a “crazy cat lady!” Her cat tales are hilarious!