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FDIC Proposes Regulatory Threshold Adjustments and Indexing to Reflect Inflation

July 15, 2025

WASHINGTON – The Federal Deposit Insurance Corporation (FDIC) Board of Directors today approved a notice of proposed rulemaking (NPR) that would update certain regulatory thresholds to reflect historical inflation, including those under 12 CFR part 363 related to annual independent audit and reporting requirements, and adjust those thresholds in the future based on a proposed indexing methodology. 

FDIC regulations use thresholds, such as total assets, to determine applicability of regulatory requirements and allow the FDIC to differentiate and tailor regulatory requirements based on an institution’s size, risk profile, and level of complexity. The changes set forth in the proposal would help to provide a more durable framework preserving, in real terms, certain regulatory thresholds and thereby avoiding unintended and undesirable policy consequences. 

This proposal is the first of a multi-phase effort to reevaluate thresholds within the FDIC’s regulations. The FDIC expects to solicit comment on one or more subsequent proposals to adjust additional thresholds.

Comments on the proposed rule will be accepted for 60 days after publication in the Federal Register.

Attachment(s)
Notice of Proposed Rulemaking
Contact(s)
FDIC: Julianne Fisher Breitbeil, (202) 340-2043

Last Updated: July 15, 2025