FDICFinal Rule
Establishment and Relocation of Branches and Offices
Finance & Banking
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Summary
This FDIC regulation sets rules for how banks can open new branches or move existing ones to different locations. The rules help ensure banks serve their communities effectively while maintaining safety and stability in the banking system.
Key Points
- 1Banks must get FDIC approval before opening a new branch or relocating an existing branch to a different location
- 2The FDIC reviews applications to make sure banks have the financial capacity and management ability to operate the new branch successfully
- 3Banks must demonstrate that opening or moving a branch will meet the convenience and needs of the communities they serve
- 4The regulation helps prevent banks from overexpanding in ways that could create financial problems or leave communities underserved
- 5The approval process protects depositors by ensuring only financially sound banks open new locations
Key Dates
Published
December 29, 2025
This summary is for informational purposes only. It may not capture all nuances of the regulation. Always refer to the official text for authoritative information.
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