---
title: FDIC Updates Signs and Advertising Q & As
description: "FDIC clarifies new signage rules: credit life and disability insurance isn't a non-deposit product; separate signs for deposit and non-deposit products in limited spaces. Changes effective May 2025."
---

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# [FDIC Updates Signs and Advertising Q & As](https://blog.bankerscompliance.com/en/fdic-updates-signs-and-advertising-q-as)

 Written by [Jerod Moyer](https://blog.bankerscompliance.com/en/author/jerod-moyer) | Jan 14, 2025 10:00:02 PM

On December 2, 2024, the FDIC released [additional Q & As](https://www.fdic.gov/news/financial-institution-letters/2024/fdic-provides-additional-questions-and-answers-regarding) related to the Official Signs & Advertising of Membership Requirements (Subpart A of Part 328) which take effect on May 1, 2025. There were a couple that we wanted to touch on.

1. The first has to do with credit life and disability insurance and whether it is considered a “non-deposit product” that would be subject to the signage requirements. The FDIC’s answer states that, if credit life and disability insurance is offered in connection with a loan, it is a loan product and not a non-deposit product. So, if a loan officer offers credit life and disability insurance in their office in connection with a loan, the non-deposit product signage is not needed. If, however, that loan officer also offers other products that are considered to be non-deposit products, they would need to display the non-deposit product signage.
2. The second has to do with whether someone can periodically use the same space or office to offer non-deposit products where deposit products are also offered, due to physical space limitations within a small branch. The FDIC has stated that, when space is limited, the FDIC insurance signage can be put up when offering deposit products and the non-deposit product signage can be put up when offering non-deposit products. Keep in mind that these two different types of signage should never be displayed at the same time.

Jerod explains more in the video:

 

[ FDIC Signage -  
Get your Whole Team Trained! ](https://cta-service-cms2.hubspot.com/web-interactives/public/v1/track/click?encryptedPayload=AVxigLKK2KpVHN6H618KTSO8OaT4HVfvTsEwWMQrLTf%2BUornv9VrlQaqL4dRAQsdXcjFk3tIc8vR3xOll%2FshvsmmmEEZpNQNVz%2Bi4LPmewuCS%2FFr9%2BaYmC9%2BztDRyLRcpi2Mn7WspQ5QZsExJYBnel1Bo5jp2LSknbVuiqVmNwsXGBgGpgZ80MZn6A04AIVH96RUe49yzaDqZsQq6wcK&portalId=21201105)

Published  
2025/01/14

[View full post](https://blog.bankerscompliance.com/en/fdic-updates-signs-and-advertising-q-as)

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