FDIC Requirements Effective May 1, 2025
Just a reminder, while certain portions of the FDIC’s Final Rule on “FDIC Official Signs and Advertising Requirements, False Advertising, Misrepresentation of Insured Status, and Misuse of the FDIC's Name or Logo” were delayed, there are still some requirements with a mandatory compliance date of May 1, 2025. These include:
- 328.3 Signs within an institution’s premises
The Rule provides some potential flexibility for signs in insured deposit-taking areas but prohibits the sign from being displayed in non-deposit areas. Any areas where non-deposit products are offered must have non-deposit signage and generally be segregated from insured deposit-taking areas.
- 328.6 Advertising
The Final Rule now allows the term “FDIC-Insured” as an acceptable option (as are “Member of FDIC” and “Member FDIC”).
- 328.7 Prohibition against receiving deposits at same teller station or window as a noninsured institution.
This prohibition stands although exceptions were added for ATMs and digital deposit-taking channels.
- 328.8 Policies and Procedures
The requirement to have policies and procedures is new. While policies and procedures related to the delayed requirements of §328.4 and §328.5 (effective March 1, 2026) can wait, you must still have policies and procedures in place for all other requirements found in Part 328.
Published
2025/04/23
Amy Kudlacek
Amy brings many years of banking and compliance experience to Banker’s Compliance Consulting. She has worked for both large and small financial institutions and spent time working in every area of a bank. She started out as a teller in college and eventually became a branch manager. Her love, however, was always compliance. Amy began her career with Banker’s Compliance Consulting in 2000. Her knowledge and experiences have allowed her to develop a well-rounded and practical approach to regulatory compliance. Amy is CRCM certified, has a Bachelors Degree in Business Administration and is a graduate of the ABA Compliance School. Amy & her husband have two children at home and stay busy following their activities. They spend a lot of time in the bleachers!