Federal Register #2026-17865

FDIC interim final rule amending brokered deposit regulations to implement the 21st Century ROAD to Housing Act

This opportunity involves an interim final rule issued by the Federal Deposit Insurance Corporation (FDIC) to amend brokered deposit regulations in response to the 21st Century ROAD to Housing Act. - Government Buyer: - Federal Deposit Insurance Corporation (FDIC) - OEMs and Vendors: - No OEMs or vendors are mentioned; this is a regulatory action, not a procurement - Products/Services Requested: - No products or services are being requested or procured - Notable Requirements and Details: - The rule updates the reciprocal deposit framework, including a new tiered methodology for calculating the general cap on reciprocal deposits - Expands the definition of agent institutions to include those with a CAMELS composite rating of 1, 2, or 3 - Seeks public comment on the interim final rule - No contract vehicles, products, or services are involved; this is a regulatory update only

Description

The Federal Deposit Insurance Corporation (FDIC) is amending its brokered deposit regulations to conform with recent changes to section 29 of the Federal Deposit Insurance Act made by section 902 of the 21st Century ROAD to Housing Act related to reciprocal deposits, effective July 11, 2026. The FDIC is providing clarifications regarding the reciprocal deposit framework to facilitate and simplify compliance. This interim final rule invites public comment and aims to update regulations in line with recent legislative changes.

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