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:
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.
The Final Rule now allows the term “FDIC-Insured” as an acceptable option (as are “Member of FDIC” and “Member FDIC”).
This prohibition stands although exceptions were added for ATMs and digital deposit-taking channels.
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