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Laws & Regulations

Federal Register Publications

Notice to Those Submitting Comments

Comments received, including any personal information provided, may be posted without change. Comments must be submitted in the body of the email to Comments@FDIC.gov or as a PDF attachment; hyperlinked comments will not be accepted. Commenters should submit only information that the commenter wishes to make available publicly. The FDIC may review, redact, or refrain from posting all or any portion of any comment that it may deem to be inappropriate for publication, such as irrelevant or obscene material. The FDIC may post only a single representative example of identical or substantially identical comments, and in such cases will generally identify the number of identical or substantially identical comments represented by the posted example. All comments that have been redacted, as well as those that have not been posted, that contain comments on the merits of this notice will be retained in the public comment file and will be considered as required under all applicable laws. All comments may be accessible under the Freedom of Information Act.

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Date FDIC Federal Register Publications Volume/Page

Agency Information Collection Activities: Proposed Collection Renewal; Comment Request

  • Home Mortgage Disclosure (HMDA)
    OMB Number: 3064–0046
    Form Number: None
  • Management Official Interlocks
    OMB Number: 3064–0118
    Form Number: None
  • Funding and Liquidity Risk Management
    OMB Number: 3064–0174
    Form Number: None
  • Appraisals for Higher-Priced Mortgage Loans
    OMB Number: 3064–0188
    Form Number: None

Notice and request for comment

Comment Period End: February 9, 2026

Submit Comment

Adjusting and Indexing Certain Regulatory Thresholds
12 CFR Parts 303, 314, 335, 340, 347, 363, and 380 RIN 3064–AG15
Final rule
Effective date: January 1, 2026

Regulatory Capital Rule: Modifications to the Enhanced Supplementary Leverage Ratio Standards for U.S. Global Systemically Important Bank Holding Companies and Their Subsidiary Depository Institutions; Total Loss-Absorbing Capacity and Long-Term Debt Requirements for U.S. Global Systemically Important Bank Holding Companies
12 CFR Part 324 RIN 3064–AG11
Final rule

Effective Date: January 1, 2026

Request for Information: Streamlining the Call Report
RIN 3064–ZA51
Request for information and comment

Comment Period End: January 30, 2026

Submit Comment

Regulatory Capital Rule: Revisions to the Community Bank Leverage Ratio Framework
12 CFR Part 324 RIN 3064–AG17
Notice of proposed rulemaking

Summary: The OCC, Board, and FDIC request comments on a proposal that would lower the community bank leverage ratio (CBLR) requirement for certain depository institutions and depository institution holding companies from 9 percent to 8 percent, consistent with the lower bound provided in the Economic Growth, Regulatory Relief, and Consumer Protection Act. The proposal would also extend the length of time that certain depository institutions or depository institution holding companies can remain in the CBLR framework while not meeting all the qualifying criteria from two quarters to four quarters, subject to a limit of eight quarters in any five-year period.

Comment Period End: January 30, 2026

Submit Comment

FDIC Board of Directors
Sunshine Act Meeting Notice
Notice of Meeting Held With Less Than Seven Days Advance Notice
Status: Open

FDIC Board of Directors
Sunshine Act Meeting Notice
Notice of Meeting Held With Less Than Seven Days Advance Notice
Status: Closed

Designated Reserve Ratio for 2026
Notice of Designated Reserve Ratio for 2026

FDIC Official Signs and Advertising Requirements, False Advertising, Misrepresentation of Insured Status, and Misuse of the FDIC’s Name or Logo
12 CFR Part 328 RIN 3064–AF26
Final rule; delay of compliance date
The compliance date for the requirements in 12 CFR 328.4 and 328.5, which was initially delayed at 89 FR 84261 (October 22, 2024) and was subsequently delayed at 90 FR 11659 (March 11, 2025), is further delayed to January 1, 2027

FDIC Board of Directors
Sunshine Act Meeting Notice
Notice of Meeting To Be Held With Less Than Seven Days Advance Notice
Status: Open

Rescission of Principles for Climate Related Financial Risk Management for Large Financial Institutions
RIN 3064–ZA32
Rescission of final interagency guidance

Privacy Act of 1974; System of Records

Notice of modified systems of records

Comment Period End: December 17, 2025

Submit Comment

Agency Information Collection Activities: Proposed Collection Renewal; Comment Request

  • Interagency Charter and Federal Deposit Insurance Application
    OMB Number: 3064–0001
    Form Number: 6200–05
  • Community Reinvestment Act
    OMB Number: 3064–0092
    Form Number: None

Comment Period End: December 1, 2025

Unsafe or Unsound Practices, Matters Requiring Attention
12 CFR Part 305 RIN 3064–AG16

Notice of proposed rulemaking

Summary: The Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation propose to define the term “unsafe or unsound practice” for purposes of section 8 of the Federal Deposit Insurance Act (12 U.S.C. 1818) and to revise the supervisory framework for the issuance of matters requiring attention and other supervisory communications. The proposed implementation of the definition of “unsafe or unsound practice” would apply to the agencies’ supervisory and enforcement activities prospectively only.

Comment Period End: December 29, 2025

Submit Comment Read Comments

Prohibition on Use of Reputation Risk by Regulators
12 CFR Parts 302 and 364 RIN 3064–AG12

Notice of proposed rulemaking

Summary: The FDIC and the Office of the Comptroller of the Currency propose to codify the elimination of reputation risk from their supervisory programs.  The proposal would prohibit the agencies from criticizing or taking adverse action against banks on the basis of reputation risk.  It would also prohibit the agencies from requiring, instructing, or encouraging banks to close an account, to refrain from providing an account, product, or service, or to modify or terminate any product or service on the basis of political, social, cultural, or religious views or beliefs, protected speech, or politically disfavored but lawful business activities.

Comment Period End: December 29, 2025

Submit Comment Read Comments

FDIC Board of Directors
Sunshine Act Meeting Notice
Status: Open

Agency Information Collection Activities: Proposed New Information Collection; Survey of the Costs of AML/CFT Compliance; Comment Request

Cost of AML/CFT Compliance Survey
OMB Number: 3064–NEW

Draft Survey for Comment: Survey of the Costs of AML/CFT Compliance

Notice and request for comment

Comment Period End: November 12, 2025

Read Comments

Notice of Termination of Receiverships

Fund / Receivership Name
10507 - National Republic Bank of Chicago

Agency Information Collection Activities: Proposed Collection Renewal; Comment Request

Reporting Requirements for Transfer Agents
OMB Number: 3064–0026
Form Number: TA–1

Notice and request for comment

Comment Period End: September 24, 2025

Agency Information Collection Activities: Proposed Collection Renewal; Comment Request

Country Exposure Report and Country Exposure Information Report
OMB Number: 3064–0017
Form Numbers: FFIEC 009 and FFIEC 009a

Notice and request for comment

Comment Period End: September 22, 2025

Read Comments

Agency Information Collection Activities: Proposed Collection Renewal; Comment Request

Market Risk Regulatory Report for Institutions Subject to the Market Risk Capital Rule
OMB Number: 3064–0199
Form Number: FFIEC 102

Notice and request for comment

Comment Period End: September 22, 2025

FDIC Official Signs, Advertisement of Membership, False Advertising, Misrepresentation of Insured Status, and Misuse of the FDIC’s Name or Logo
12 CFR Part 328 RIN 3064–AG14

Proposed Rule

Summary: The Federal Deposit Insurance Corporation (FDIC) proposes to amend signage requirements for insured depository institutions’ (IDIs) digital deposit-taking channels and automated teller machines (ATMs) and like devices. The proposed changes are intended to address implementation issues and sources of potential confusion that have arisen following the adoption of current signage requirements for these banking channels. The proposal would provide additional flexibility to IDIs while also enabling consumers to better understand when they are conducting business with an IDI and when their funds are protected by the FDIC’s deposit insurance coverage. 

Comment Period End: October 20, 2025

Read Comments

Agency Information Collection Activities: Proposed Collection Renewal; Comment Request

  • Community Reinvestment Act
    OMB Number: 3064–0092
    Form Number: None
  • Qualifications for Failed Bank Acquisitions
    OMB Number: 3064–0169
    Form Number: None

Notice and request for comment

Comment Period End: October 10, 2025

Notice of Termination of Receiverships

Fund / Receivership Name
10166 - Independent Bankers’ Bank

Agency Information Collection Activities: Proposed Collection Renewal; Comment Request

  • Interagency Charter and Federal Deposit Insurance Application
    OMB Number: 3064–0001
    Form Number: 6200-05
  • Stress Testing Recordkeeping and Reporting
    OMB Number: 3064–0189
    Form Number: None

Notice and request for comment

Comment Period End: September 29, 2025

Adjusting and Indexing Certain Regulatory Thresholds
12 CFR Parts 303, 314, 335, 340, 347, 363, and 380 RIN 3064–AG15

Proposed Rule

Summary: The Federal Deposit Insurance Corporation (FDIC) proposes to amend certain thresholds in the FDIC’s regulations to reflect inflation. The proposal would generally update such thresholds to reflect inflation from the date of implementation or the most recent adjustment and provide a methodology for future adjustments.  The proposed changes would provide a more durable regulatory framework by preserving, in real terms, the level of certain thresholds in the FDIC’s regulations, thereby avoiding an outcome where the applicability of a regulatory requirement changes due solely to inflation rather than actual changes in an institution’s size, risk profile, or level of complexity.

Comment Period End: September 26, 2025

Read Comments

Regulatory Publication and Review Under the Economic Growth and Regulatory Paperwork Reduction Act of 1996
RIN 3064–ZA39
Regulatory review; request for comments

Comment Period End: October 23, 2025

Read Comments

Industrial Banks and Industrial Loan Companies and Their Parent Companies
RIN 3064–ZA48
Request for information and comment

Comment Period End: September 19, 2025

Read Comments

Community Reinvestment Act Regulations
12 CFR Parts 345 and 346  RIN 3064–AG13

Notice of proposed rulemaking

Summary: The Federal Deposit Insurance Corporation, the Board of Governors of the Federal Reserve System, and the Office of the Comptroller of the Currency (collectively, the agencies) propose to amend their Community Reinvestment Act (CRA) regulations by rescinding the final rule titled “Community Reinvestment Act” published in the Federal Register on February 1, 2024, and replacing it with the agencies’ CRA regulations in effect on March 29, 2024, with certain conforming and technical amendments.  The agencies are also proposing technical amendments to their regulations implementing the CRA sunshine requirements of the Federal Deposit Insurance Act. 

Comment Period End: August 18, 2025

Read Comments

Guidelines for Appeals of Material Supervisory Determinations
RIN 3064–ZA50

Notice of guidelines; request for comments

Comment Period End: September 16, 2025

Read Comments

Parent Companies of Industrial Banks and Industrial Loan Companies; Withdrawal of Proposed Rule
12 CFR Part 354  RIN 3064–AF88

Proposed rule; withdrawal

Withdrawal Date: The FDIC is withdrawing the proposed rule published at 89 FR 65556 (August 12, 2024) as of July 18, 2025.

Establishment and Relocation of Branches and Offices
12 CFR Parts 303 and 345  RIN 3064–AG10

Proposed rule

Summary: The FDIC proposes to modify the procedures for an insured State nonmember bank to establish a domestic branch or relocate a domestic main office or branch. The proposed rule would eliminate certain filing requirements, shorten processing timelines, and eliminate public notice procedures. The FDIC proposes to make corresponding changes to the procedures applicable to the relocation of an insured branch of a foreign bank. The FDIC also proposes to update certain related definitions to further streamline branch filing regulatory compliance obligations. 
 

Comment Period End: September 16, 2025

Read Comments

FDIC Board of Directors
Sunshine Act Meeting Notice
Status: Open

FDIC Board of Directors
Sunshine Act Meeting Notice
Status: Closed

Proposed Agency Information Collection Activities; Comment Request

  • Consolidated Reports of Condition and Income (Call Report)
    OMB Number: 3064–0052
    Form Numbers: FFIEC 031, FFIEC 041, FFIEC 051
  • Report of Assets and Liabilities of U.S. Branches and Agencies of Foreign Banks; Report of Assets and Liabilities of a Non-U.S. Branch that is Managed or Controlled by a U.S. Branch or Agency of a Foreign (Non-U.S.) Bank
    OMB Control Number: 7100–0032
    Form Numbers: FFIEC 002; FFIEC 002S

Joint notice and request for comment

Comment Period End: August 11, 2025

Read Comments

FDIC Board of Directors
Sunshine Act Meeting Notice
Status: Open

Regulatory Capital Rule: Modifications to the Enhanced Supplementary Leverage Ratio Standards for U.S. Global Systemically Important Bank Holding Companies and Their Subsidiary Depository Institutions; Total Loss-Absorbing Capacity and Long-Term Debt Requirements for U.S. Global Systemically Important Bank Holding Companies
12 CFR Part 324  RIN 3064–AG11

Notice of proposed rulemaking

Summary: The Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, and the Board of Governors of the Federal Reserve System (Board) request comment on a proposal to recalibrate the enhanced supplementary leverage ratio standard applicable to global systemically important bank holding companies and their depository institution subsidiaries, as well as to make corresponding changes to the Board’s total loss absorbing capacity rule

Comment Period End: August 26, 2025

Read Comments

Proposed Agency Information Collection Activities; Comment Request

Consolidated Reports of Condition and Income (Call Report)
OMB Number: 3064–0052
Form Numbers: FFIEC 031, FFIEC 041, FFIEC 051

Joint notice and request for comment

Comment Period End: September 8, 2025

Agency Information Collection Activities: Proposed Collection Renewal; Comment Request

  • ID Theft Red Flags
    OMB Number: 3064–0152
    Form Number: None
  • Loans in Areas Having Special Flood Hazards
    OMB Number: 3064–0207
    Form Number: None
  • Certification of Compliance with Mandatory Bars to Employment
    OMB Number: 3064–0190
    Form Number: 6910/10

Notice and request for comment

Comment Period End: August 7, 2025

Statement of Policy on Bank Merger Transactions
12 CFR Part 303 RIN 3064–ZA45

Final rescission and reinstatement of statement of policy

Effective Date: This Bank Merger Statement of Policy supersedes the 2024 Statement of Policy, effective on August 4, 2025
 

Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has Been Appointed Either Receiver, Liquidator, or Manager
Failed Bank List
Update listing of financial institutions in liquidation

FDIC Ref. No. / Bank Name
10549 - The Santa Anna National Bank

Notice of Cancellation of Agency Meeting
Open meeting of the Board of Directors of the Federal Deposit Insurance Corporation scheduled to be held at 10:00 a.m. on Thursday, June 26, 2025, has been cancelled

Guidance on Referrals for Potential Criminal Enforcement
Notice of general policy

Agency Information Collection Activities: Proposed Collection Renewal; Comment Request

  • Reporting Requirements for Transfer Agents
    OMB Number: 3064–0026
    Form Number: TA–1
  • Market Risk Capital Requirements
    OMB Number: 3064–0178
    Form Number: None
  • Interagency Guidance on Leveraged Lending
    OMB Number: 3064–0191
    Form Number: None

Notice and request for comment

Comment Period End: August 22, 2025

Read Comments

FDIC Board of Directors
Sunshine Act Meeting Notice
Status: Open

Request for Information on Potential Actions To Address Payments Fraud
RIN 3064–ZA49
Request for information and comment

Comment Period End: September 18, 2025

Read Comments

Notice of Termination of Receiverships

Fund / Receivership Name
10429 - New City Bank

FDIC Board of Directors
Sunshine Act Meeting Notice
Status: Closed

FDIC Board of Directors
Sunshine Act Meeting Notice
Status: Open

Notice to All Interested Parties of Intent To Terminate Receivership

Fund / Receivership Name
10536 - The First State Bank
10545 - Citizens Bank

Agency Information Collection Activities: Proposed Collection Renewal; Comment Request

  • Procedures for Monitoring Bank Protection Act Compliance
    OMB Number: 3064–0095
    Form Number: None
  • Ombudsman Post Examination Survey
    OMB Number: 3064–0218
    Form Number: 6600/58; 6600/59

Notice and request for comment

Comment Period End: June 16, 2025

Proposed Agency Information Collection Activities: Comment Request

Country Exposure Report and Country Exposure Information Report
OMB Number: 3064–0017
Form Numbers: FFIEC 009 and FFIEC 009a

Joint notice and request for comment

Comment Period End: July 8, 2025

Read Comments

Proposed Agency Information Collection Activities; Comment Request

Market Risk Regulatory Report for Institutions Subject to the Market Risk Capital Rule
OMB Number: 3064–0199
Form Number: FFIEC 102

Notice and request for comment

Comment Period End: July 1, 2025

Agency Information Collection Activities: Proposed Collection Renewal; Comment Request

  • ID Theft Red Flags
    OMB Number: 3064–0152
    Form Number: None
  • Loans in Areas Having Special Flood Hazards
    OMB Number: 3064–0207
    Form Number: None
  • Certification of Compliance with Mandatory Bars to Employment
    OMB Number: 3064–0190
    Form Number: 6910/10

Notice and request for comment

Comment Period End: June 24, 2025

Agency Information Collection Activities: Proposed Collection Renewal; Comment Request

  • Mutual-to-Stock Conversion of State Savings Banks
    OMB Number: 3064-0117
  • Notice Regarding Unauthorized Access to Customer Information
    OMB Number: 3064-0145
  • Furnisher Information Accuracy and Integrity (FACTA 312)
    OMB Number: 3064–0161

Notice and request for comment

Comment Period End: May 21, 2025

Temporary Exceptions to FIRREA Appraisal Requirements in Los Angeles County as Affected by California Wildfires and Straight-Line Winds
12 CFR Part 323 RIN 3064–ZA46
Statement and order; temporary exceptions
This order is effective on April 18, 2025 and expires 3 years after the date the President declared the relevant area a major disaster, which is January 8, 2028.

Notice of Termination of Receiverships

Fund / Receivership Name
10054 - First Bank of Beverly Hills
10273 - Liberty Bank

Agency Information Collection Activities: Proposed Collection Renewal; Comment Request

  • Procedures for Monitoring Bank Protection Act Compliance
    OMB Number: 3064-0095
  • Ombudsman Post-Examination Surveys
    OMB Number: 3064-0218
    Form Number: 6600/58; 6600/59

Notice and request for comment

Comment Period End: May 27, 2025

Agency Information Collection Activities: Proposed Collection Renewal; Comment Request

  • Acquisition Services Information Requirements
    OMB Number: 3064-0072
    Form Number: 1600/04; 1600/07; 3700/04A; 3700/12; 3700/44; 3700/57
  • Notices Required of Government Securities Dealers or Brokers (Insured State Nonmember Banks)
    OMB Number: 3064-0093
    Form Number: G–FIN; G–FINW; G– FIN–4; G–FIN–5
  • Activities and Investments of Insured Depository Institutions
    OMB Number: 3064–0111
  • Privacy of Consumer Financial Information
    OMB Number: 3064–0136
  • Registration of Mortgage Loan Originators
    OMB Number: 3064–0171

Notice and request for comment

Comment Period End: April 24, 2025

Unsafe and Unsound Banking Practices: Brokered Deposits Restrictions; Guidelines Establishing Standards for Corporate Governance and Risk Management for Covered Institutions With Total Consolidated Assets of $10 Billion or More; Regulations Implementing the Change in Bank Control Act; Withdrawal
12 CFR Parts 303, 308, 337, and 364 RIN 3064-AF99, 3064-AF94, and 3064-AG04
Proposed rule; withdrawal

Dates: The FDIC is withdrawing the proposed rules published at 89 FR 68244 (August 23, 2024), 88 FR 70391 (October 11, 2023), and 89 FR 67002 (August 19, 2024) as of March 14, 2025

Statement of Policy on Bank Merger Transactions
12 CFR Part 303 RIN 3064–ZA45
Proposed rescission and reinstatement of statement of policy; request for comment

Comment Period End: April 10, 2025

Read Comments

FDIC Official Signs and Advertising Requirements, False Advertising, Misrepresentation of Insured Status, and Misuse of the FDIC’s Name or Logo
12 CFR Part 328 RIN 3064–AF26
Final rule; delay of compliance date
The compliance date for 12 CFR 328.4 and 328.5, which was initially delayed at 89 FR 84261 (October 22, 2024), is further delayed to March 1, 2026

Agency Information Collection Activities: Proposed Collection Renewal; Comment Request

  • Mutual-to-Stock Conversion of State Savings Banks
    OMB Number: 3064-0117
  • Notice Regarding Unauthorized Access to Customer Information
    OMB Number: 3064-0145
  • Furnisher Information Accuracy and Integrity (FACTA 312)
    OMB Number: 3064–0161

Notice and request for comment

Comment Period End: May 5, 2025

Notice to All Interested Parties of Intent To Terminate Receivership

Fund / Receivership Name
10507 - The National Republic Bank of Chicago

Agency Information Collection Activities: Proposed Collection Renewal; Comment Request

Certification of Compliance with Mandatory Bars to Employment
OMB Number: 3064-0121
Form Number: 2120/16

Notice and request for comment

Comment Period End: April 2, 2025

Notice to All Interested Parties of Intent To Terminate Receivership

Fund / Receivership Name
10429 - New City Bank

Notice of Termination of Receiverships

Fund / Receivership Name
10125 - Warren Bank
10162 - Citizens State Bank
10164 - Rockbridge Commercial Bank
10171 - Barnes Banking Company
10193 - Centennial Bank
10265 - Crescent Bank and Trust Company
10276 - Ravenswood Bank
10297 - Premier Bank
10308 - K Bank
10315 - First Banking Center
10324 - The Bank of Miami, N.A

Notice to All Interested Parties of Intent To Terminate Receiverships

Fund / Receivership Name
10063 - Citizens National Bank
10166 - Independent Bankers’ Bank
10525 - Proficio Bank
10530 - Washington Federal Bank for Savings
10534 - City National Bank New Jersey

Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has Been Appointed Either Receiver, Liquidator, or Manager
Failed Bank List
Update listing of financial institutions in liquidation

FDIC Ref. No. / Bank Name
10548 - Pulaski Savings Bank

Agency Information Collection Activities: Proposed Collection Renewal; Comment Request

  • Acquisition Services Information Requirements 
    OMB Number: 3064-0072
    Form Number: 1600/04; 1600/07; 3700/04A; 3700/12; 3700/44; 3700/57
  • Notices Required of Government Securities Dealers or Brokers (Insured State Nonmember Banks)
    OMB Number: 3064-0093
    Form Number: G-FIN; G-FINW; G-FIN4; G-FIN5
  • Activities and Investments of Insured Depository Institutions
    OMB Number: 3064–0111
    Form Number: None
  • Privacy of Consumer Financial Information
    OMB Number: 3064–0136
    Form Number: None
  • Registration of Mortgage Loan Originators
    OMB Number: 3064–0171
    Form Number: None

Notice and request for comment

Comment Period End: March 24, 2025

Proposed Agency Information Collection Activities; Comment Request

  • Application for Consent to Exercise Trust Powers
    OMB Number: 3064–0025
    Form Number: 6200/09
  • Joint Standards for Assessing Diversity Policies and Practices
    OMB Number: 3064–0200
    Form Number: 2710/05
  • Computer Security Incident Notification Requirements
    OMB Number: 3064–0214

Notice and request for comment

Comment Period End: February 21, 2025

Notice of Inflation Adjustments for Civil Money Penalties
RIN 3064–ZA44
Notice of monetary penalties for 2025
Applicable Dates: Applicable to penalties assessed after January 15, 2025, for conduct occurring on or after November 2, 2015.

Proposed Agency Information Collection Activities; Comment Request

FDIC National Survey of Unbanked and Underbanked Households
OMB Number: 3064–0215

Notice and request for comment

Comment Period End: February 12, 2025

Last Updated: December 9, 2025