FDICFinal RuleNovember 28, 2025

Official Signs and Advertising Requirements, False Advertising, Misrepresentation of Insured Status, and Misuse of the Federal Deposit Insurance Corporation's Name or Logo

Finance & Banking

Summary

This FDIC regulation sets rules for how banks and financial institutions can advertise their services and use the FDIC's name and logo. It prevents companies from falsely claiming they have FDIC insurance protection or misleading customers about their insured status, protecting people from scams and fraud.

Key Points

1Banks must display official FDIC signs correctly and cannot use misleading advertising that tricks customers about deposit insurance coverage
2Financial institutions are banned from claiming FDIC insurance protection if they don't actually have it, stopping scams that prey on people trying to protect their savings
3The FDIC's name and logo cannot be used improperly or in ways that confuse customers about which institutions are truly federally insured
4Violations can result in penalties and enforcement action against banks and financial companies that break these advertising rules
5This protects everyday people from depositing money in institutions that falsely claim federal insurance protection

Impact Assessment

If you are a Financial Institution, this means you must ensure all advertising accurately represents your FDIC insurance coverage and cannot misuse the FDIC's name or logo, or you face penalties and enforcement action.

Impact Level

Moderate

Geographic Scope

National

Compliance Cost

Minimal

Who is Affected

Financial InstitutionsConsumers

Key Dates

Published

November 28, 2025

Regulatory Connections

Authorized By

Federal Deposit Insurance Act 12 U.S.C. § 1818

Amends CFR Sections

12 CFR Part 328

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.