The Federal Deposit Insurance Corporation has updated its implementation Q&As for part 328 to reflect the January 2026 final amendments to the FDIC’s signage rule for insured depository institutions’ digital deposit-taking channels and ATMs and like devices that receive deposits. The amendments narrow where FDIC and non-deposit disclosures must appear and give institutions more flexibility in sign design and placement, while keeping disclosures at the points where customers are most likely to need them. For websites and mobile applications, the FDIC official digital sign must appear on the homepage, login page, and the first page or screen where a consumer initiates a deposit account opening. Non-deposit signage is limited to pages primarily dedicated to advertising, information about, or access to non-deposit products, and logged-in customers leaving an institution’s digital channel for a third-party non-deposit platform must receive a one-time notice that can be dismissed by the customer or disappear automatically after at least three seconds. For ATMs and like devices, the FDIC digital sign generally moves to the initial screen only, a physical official sign may still be used for devices placed into service on or before April 1, 2027 and for later devices that do not permit customers to transact with non-deposit products, and non-deposit signage is required only when the institution’s own customers initiate a non-deposit transaction. The rule also expressly permits additional disclosures. The amendments take effect on March 2, 2026, with compliance required by April 1, 2027. The Q&As apply to all FDIC-insured financial institutions, build on guidance first published in 2024, and the FDIC said it will update them periodically as needed.

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