FDIC Signs Compliance Delay
In case you missed it, the FDIC issued a Final Rule on November 25th to officially push the mandatory compliance date for §328.4 (Signs for automated teller machines and like devices) and §328.5 (Signs for digital deposit-taking channels) out from March 1, 2026 to January 1, 2027. As you may recall, the FDIC issued a Notice of Proposed Rulemaking back in August 2025 related to these sections which did also include a provision to move the mandatory compliance date out to January 1, 2027; however, this Final Rule helps alleviate concerns that institutions ...would need to make investments in preparation for a March 1, 2026, compliance date at the same time the FDIC expects to amend those provisions through its pending rulemaking.
As a reminder, this delay does not apply to other changes that have already taken effect.
We have updated the “FDIC Policy & Procedures” and “FDIC Signage & Advertisement of Membership Checklist” in the FREE Deposit Tools on our website to reflect this change.
Published
2025/12/10
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!