What's new? FDIC Signage Rules: Streamlining Digital and ATM Disclosures

The Federal Deposit Insurance Corporation (FDIC) has issued a final rule amending signage requirements for digital deposit-taking channels and automated teller machines (ATMs). This update is designed to offer greater flexibility to insured depository institutions (IDIs) while ensuring consumers clearly understand when their funds are protected by federal deposit insurance.

The changes aim to reduce the administrative burden on banks—estimated to save the industry over $10.2 million in implementation costs—while minimizing consumer confusion.

See the full rule here and our updated section in the Gold Book.