FDIC – Page 4 – Regulatory Report

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[ November 28, 2025 ] Four workers from same bank prohibited from future service; three for COVID-era loan program violations FDIC
[ November 28, 2025 ] 2% designated reserve ratio continued for FDIC insurance fund FDIC
[ November 28, 2025 ] FDIC official digital sign requirement delayed to 2027 to align with proposal FDIC
[ November 26, 2025 ] Latest Beige Book reports mixed economic activity, but little changed from last month The Fed
[ November 26, 2025 ] OCC sets schedule for CRA exams in first half of ‘26 OCC

UPDATED: FDIC seeking comments on proposed AML/CFT burden survey meant for use by all federal bank, CU regulators

September 11, 2025 0

Updated to provide public comment deadline. The costs to depository institutions of complying with Bank Secrecy Act (BSA) anti-money laundering and countering the financing of terrorism (AML/CFT) requirements are sought in an agency information collection […]

Banking agencies slate Oct. 30 outreach meeting on EGRPRA reg review

September 10, 2025 0

Those interested in airing their views on federal banking regulators’ work considering what regulations might be deemed “outdated” or otherwise “unnecessary” can do so during an Oct. 30 outreach meeting in Kansas City, Mo., the […]

FDIC list shows 2 banks ‘outstanding,’ 1 ‘needs to improve’ under CRA

September 5, 2025 0

Ratings assigned to 59 banks in June for their performance under the federal anti-redlining Community Reinvestment Act included two “outstanding” ratings and one “needs to improve,” according to information released Friday by the Federal Deposit […]

Three prohibited from further service at banks after alleged misappropriation of funds, misrepresentations

August 29, 2025 0

A former “senior universal banker” and teller at a Massachusetts bank has been prohibited from further service at a financial institution and ordered to pay a $12,000 civil money penalty (CMP), the federal bank deposit […]

FDIC removes references to ‘disparate impact’ – including how to evaluate risk – from compliance exam manual

August 29, 2025 0

References to “disparate impact” – the result of practices unintentionally having a disproportionate, negative effect on a protected group, including minorities – are now erased from an examination manual issued by the federal bank deposit […]

Profitability down for banks at midyear, continuing decline from year ago; DIF exceeds statutory minimum, ending restoration plan

August 26, 2025 0

Return on assets (ROA) for the nation’s banks was down at midyear as was net income, which the federal bank deposit insurance agency Tuesday blamed on an increase in provision expenses related to a large […]

UPDATED: Bank deposit signage rules on websites, mobile apps, ATMs would be ‘simplified’ under proposal

August 19, 2025 0

Rules intended to simplify display of bank deposit insurance official digital sign and non-deposit signage on websites and mobile applications, as well as on ATMs, would be amended under a proposal issued Tuesday. The Federal […]

AL bank executive pleads guilty to theft, receives 5 years in clink, 5 years in supervised release

August 14, 2025 0

Five years in prison – plus another five years in supervised release – was the sentence for a a former Alabama bank executive convicted of embezzlement, according to the inspector general for the federal bank […]

FDIC watchdog wants performance goals, metrics for program overseeing service providers to banks

August 13, 2025 0

A program overseeing service providers to banks does not have performance goals and metrics to measure overall effectiveness and efficiency, according to a report issued Wednesday by the inspector general for the federal bank deposit […]

FDIC opens door to use of ‘pre-populated’ customer info when accounts are opened

August 6, 2025 0

Banks may use pre-populated customer information to satisfy Customer Identification Program (CIP) requirements when opening an account, the federal bank deposit insurance agency said late Tuesday. In a financial institution letter (FIL), the Federal Deposit […]

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Four workers from same bank prohibited from future service; three for COVID-era loan program violations

November 28, 2025 0

Prohibitions were ordered against or agreed to by four workers of Truist Bank in Charlotte, N.C., in October for misappropriating funds related to coronavirus crisis loan programs, and for cashing bogus checks, the federal bank deposit insurance agency said Friday. [...]
2% designated reserve ratio continued for FDIC insurance fund

November 28, 2025 0

A 2% designated reserve ratio (DRR) will continue in 2026 for the Deposit Insurance Fund (DIF for banks, the federal bank deposit insurer said Tuesday. According to a Federal Deposit Insurance Corp. (FDIC) staff memo released for Tuesday’s open board [...]
FDIC official digital sign requirement delayed to 2027 to align with proposal

November 28, 2025 0

Insured depository institutions (IDIs) have an additional 21 months to comply with a rule requiring the display of the Federal Deposit Insurance Corp. (FDIC) official sign on their digital deposit-taking channels, according to an agency Financial Institution Letter (FIL). The [...]
Latest Beige Book reports mixed economic activity, but little changed from last month

November 26, 2025 0

Reports of loan demand across the Federal Reserve’s 12 districts were “mixed,” although some reported an ongoing recovery in the office real estate market, according to the latest Beige Book released Wednesday. The Fed’s semi-monthly summary of commentary on current [...]
OCC sets schedule for CRA exams in first half of ‘26

November 26, 2025 0

About 130 banks are scheduled to receive their anti-redlining compliance exams in the first and second quarters of next year, the national bank regulator said Wednesday. According to the Office of the Comptroller of the Currency (OCC), the largest groups [...]