Large-Bank Deposit Insurance Determination Modernization

Published

Nov 4, 2026

Comments close

Jan 4, 2027

Citation

91 FR 69642

Notice of proposed rulemaking and request for comment.

Summary

The Federal Deposit Insurance Corporation (FDIC) has issued a notice proposing changes to the rules that govern how large banks determine whether their deposits are insured. The plan would eliminate a record‑keeping requirement that was meant to speed up insurance decisions, and it would update the modern‑day “large‑bank deposit‑insurance determination” framework that replaced an older rule. By tweaking the remaining requirements and linking certain numeric thresholds to inflation, the FDIC says the rule will better match the administrative effort banks must expend with the actual benefit of the insurance program. The proposal applies mainly to large, federally insured depository institutions that are currently subject to the existing large‑bank insurance‑determination rule. Smaller banks and non‑bank entities are not directly affected. The FDIC, the independent agency that backs deposits at U.S. banks, is seeking public input on the changes. The notice was published in the Federal Register on November 4, 2026 (91 FR 69642). Comments must be submitted by January 4, 2027. After that date the FDIC will review the feedback, possibly adjust the proposal, and then issue a final rule that could become effective later, subject to any required implementation period.

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