Federal Register #2026-13192

FDIC Proposed Rule: Amendments to Assessment Thresholds and Rate Schedules

The Federal Deposit Insurance Corporation (FDIC) is requesting public comment on proposed amendments to its deposit insurance assessment regulations. - Government Buyer: - Federal Deposit Insurance Corporation (FDIC) - Regulatory Changes Proposed: - Update asset threshold for defining small and large institutions from $10 billion to $30 billion - Asset threshold to be adjusted every four years for inflation - Decrease initial base deposit insurance assessment rate schedules: - 2 basis points reduction for small institutions - 1 basis point reduction for large and highly complex institutions - Introduce a downward resolution readiness adjustment for large and highly complex institutions that participate in virtual data room testing and provide prescribed data access - Remove obsolete provisions from regulations - No OEMs, vendors, products, or services are being procured; this is a regulatory change - Notable Requirements: - Participation in virtual data room testing and prescribed data access for resolution readiness adjustment - Public comment requested on all proposed changes

Description

The Federal Deposit Insurance Corporation (FDIC) proposes amendments to its assessment regulations to update the asset threshold defining small and large institutions from $10 billion to $30 billion, with adjustments every four years for inflation. The proposal includes decreasing initial base deposit insurance assessment rate schedules by 2 basis points for small institutions and by 1 basis point for large and highly complex institutions. It also introduces a downward resolution readiness adjustment for large and highly complex institutions that participate in virtual data room testing and provide prescribed data access. Additionally, the FDIC plans to remove obsolete provisions from the regulations.

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