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Financial Institution Letters

Final Rule Conforming FDIC Regulations on Deposit Insurance Coverage and Advertisement of Membership to Permanent Standard Maximum Deposit Insurance Amount of $250,000
August 12, 2010

Summary: On August 10, 2010, the FDIC Board of Directors adopted the attached final rule amending its insurance regulations (12 C.F.R. Part 330) and advertising regulations (12 C.F.R. Part 328) to conform with provisions of the Dodd-Frank Wall Street Reform and Consumer Protection Act, which permanently increased the standard maximum deposit insurance amount (SMDIA) from $100,000 to $250,000. This permanent increase in the SMDIA became effective July 22, 2010.

  • The final rule revised the FDIC's deposit insurance regulations (12 C.F.R. Part 330) to define the SMDIA as $250,000 and to remove provisions indicating that the SMDIA will return to $100,000.
  • The final rule revised the FDIC's official sign for advertising deposit insurance coverage, as prescribed in 12 C.F.R Part 328 of the FDIC's regulations, to reflect the permanent SMDIA. The change to the official sign is effective immediately.
  • To ensure depositors are accurately informed of the permanent SMDIA of $250,000, insured depository institutions should promptly obtain the new official signs and, upon receipt, display them without delay - in any event not later than January 3, 2011, the date for mandatory compliance with the final rule.
  • Insured depository institutions may order FDIC official signs from the FDIC at There is no charge for decals and counter signs provided by the FDIC.
  • The FDIC's deposit insurance coverage materials posted on its website - including the Electronic Deposit Insurance Estimator, "EDIE" - have been updated to reflect the permanent $250,000 coverage.

FDIC-Insured Institutions

Suggested Routing:
Chief Executive Officer
Head of Deposit and Branch Operations
Chief Compliance Officer
Training Officer

Related Topics:
Deposit Insurance Regulations (12 C.F.R 330)
Advertisement of Membership (12 C.F.R. Part 328)
International Banking 12 C.F.R. Part 347)

Final Rule

Richard Foley, Counsel, at;
Joe DiNuzzo, Supervisory Counsel, at; or
Martin Becker, Senior Consumer Affairs Specialist, at

Printable Format:
FIL-49-2010 - PDF (PDF Help)

FDIC financial institution letters (FILs) may be accessed from the FDIC's Web site at

To receive FILs electronically, please visit

Paper copies of FDIC financial institution letters may be obtained through the FDIC's Public Information Center, 3501 Fairfax Drive, E-1002, Arlington, VA 22226 (1-877-275-3342 or 703-562-2200).

Last Updated 10/28/2015

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