Federal Deposit Insurance Corporation proposes to streamline IDI resolution submissions raise the threshold to USD 100 billion and exempt 2026 and 2027 filings

The Federal Deposit Insurance Corporation has approved a proposed rule to recast the resolution submission regime for insured depository institutions currently subject to the IDI rule. The proposal would narrow submissions to operational information the FDIC views as most useful for executing a cost-effective resolution, raise the applicability threshold from USD 50 billion to USD 100 billion with automatic future indexation, and remove requirements for hypothetical resolution strategies, extensive narratives, public sections, capabilities testing and FDIC credibility determinations. While the rulemaking proceeds, the board exempted all institutions currently subject to the rule from filing in October 2026 and in 2027. Under the proposal, all covered institutions would move to a single three-year filing cycle, with material changes reported through notices of extraordinary events rather than interim supplements. The FDIC would retain core information requirements covering financial data, corporate structure, key personnel and information systems, while adding items such as organizational charts, mapping of information technology architecture, deposit activity details and certain qualified financial contract information. Initial submissions under a final rule would be due no earlier than 270 days after the rule becomes effective. Comments will be accepted for 60 days after publication in the Federal Register. The FDIC said a separate, concurrent proposal would introduce a resolution readiness adjustment within the deposit insurance assessment framework.