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Laws & Regulations

FDIC Law, Regulations, Related Acts

Last Updated: November 17, 2022

This page compiles links to banking-related statutes, regulations, and similar material relevant to the work of the FDIC. The Federal Deposit Insurance Act (FDI Act) specifically governs the FDIC. The FDI Act, as amended, is displayed on this site in full text, with sections numbered as it was enacted (rather than as-codified). FDIC Rules and regulations are promulgated by the FDIC under its statutory authority and mandates. FDIC and Interagency Statements provide guidance for insured institutions. Title 12 of the United States Code covers banks and banking, and is linked from the U.S. House of Representatives’ Office of the Law Revision Counsel (OLRC), which prepares the United States Code. Other federal financial agencies maintain their relevant banking laws and regulations on their own sites, which we link to below.

Table of Contents
Federal Deposit Insurance Act
FDIC Rules and Regulations
Select FDIC and Interagency Statements
FDIC General Counsel Opinions
Consumer Financial Protection Bureau (CFPB) Regulations
Federal Reserve Act and Federal Reserve Regulations
Office of the Comptroller of the Currency (OCC) Law and Regulations
Financial Crimes Enforcement Network (FinCEN) Statutes and Regulations
Federal Trade Commission (FTC) Statutes and Regulations
Title 12 of the United States Code, “Banks and Banking
Chronology of Selected Banking Laws

This reference tool is not intended to display every law and regulation applicable to insured depository institutions. You can also consult the following resources:

  • The United States Code consolidates and codifies by subject matter the general and permanent laws of the United States.
  • The Federal Register publishes new and amended Federal regulations daily.
  • The Code of Federal Regulations codifies the general and permanent rules published in the Federal Register by the departments and agencies of the Federal Government.
  • Other financial agencies' websites display the laws and statutes most relevant to the respective agencies' work. Many of those laws are also implicated by the work of the FDIC. The other agencies' laws and regulations displayed are maintained by the respective agency governed by those laws and responsible for those regulations.