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Federal Deposit
Insurance Corporation

Each depositor insured to at least $250,000 per insured bank

FDIC Law, Regulations, Related Acts

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February 28, 2018

550 Seventeenth Street, N.W.
Washington, D.C. 20429

Supplement Highlights

Rules of Practice and Procedure. The FDIC is adjusting the maximum amount of each civil money penalty within its jurisdiction to account for inflation. This action is required by the Federal Civil Penalties Inflation Adjustment Act Improvements Act of 2015. 83 Fed. Reg. 1522

See pages 2152–2152.01, 2160.03–2160.08

Rules Concerning Prepaid Accounts Under the Electronic Fund Transfer Act (Regulation E) and the Truth in Lending Act. The Bureau of Consumer Financial Protection (Bureau) amended Regulation E, which implements the Electronic Fund Transfer Act, Regulation Z, which implements the Truth in Lending Act, and the official interpretations to those regulations. This rulemaking relates to a final rule published in the Federal Register on November 22, 2016, as amended on April 25, 2017, regarding prepaid accounts under Regulations E and Z. The Bureau finalized modifications to several aspects of those rules, including with respect to error resolution and limitations on liability for prepaid accounts where the financial institution has not successfully completed its consumer identification and verification process; application of the rule's credit-related provisions to digital wallets that are capable of storing funds; certain other clarifications and minor adjustments; technical corrections; and an extension of the overall effective date to April 1, 2019. 83 Fed. Reg. 6364

See pages 7053–7494

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