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4000 - Advisory Opinions

Official FDIC Sign Need Not be Black on Gold, But Text and Symbol Must be Same Color


April 1, 1992

Roger A. Hood, Assistant General Counsel

This is in response to your letter concerning the color of the official deposit insurance signs. You ask whether the official signs may be in colors other than black on gold.

FDIC regulations do not require that the official signs be black on gold. The official signs provided free of charge by the FDIC are available only in black on gold. Consequently, the official signs displayed by insured depository institutions have traditionally been black on gold in color. Nonetheless, FDIC regulations do not prescribe black on gold as the only allowable color scheme for official signs. However, while there is no specific color requirement, to preserve the integrity of the design, the FDIC does require that the text and symbol(s) be the same color. The size and design of the official signs are prescribed by regulation and may not be varied. 12 CFR 328.1.

An insured depository institution is required to continuously display an official sign at each station or window where insured deposits are usually and normally received in its principal place of business and in all of its branches. Savings associations are required to display the official savings association (American eagle) sign, illustrated at 12 CFR 328.1(b). Banks may display either the official bank (FDIC) sign, illustrated at 12 CFR 328.1(a), or they may display the official savings association sign.

It should be noted that the FDIC Board of Directors could, if it found it appropriate to do so, adopt a regulation prescribing the color scheme of the official signs. This letter supersedes Advisory Opinion FDIC-90-64.

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