The Federal Deposit Insurance Corporation has extended the compliance date from 1 March 2026 to 1 January 2027 for the requirements in 12 CFR 328.5 to display the FDIC official digital sign on insured depository institutions’ digital deposit-taking channels, and the analogous requirements for ATMs and like devices in 12 CFR 328.4. The extension applies to all FDIC-insured financial institutions and relates to amendments adopted in the FDIC’s December 2023 final rule on FDIC official signs and advertising requirements, false advertising, misrepresentation of insured status, and misuse of the FDIC’s name or logo. It aligns the compliance date with the FDIC’s 21 August 2025 proposal to amend Sections 328.4 and 328.5 to address implementation issues and potential consumer confusion, and is intended to avoid institutions making investments to meet the March 2026 deadline while changes are under consideration. Other amendments to Part 328, Subpart A are unaffected and were required to be complied with by 1 May 2025.
Federal Deposit Insurance Corporation 2025-11-25
Federal Deposit Insurance Corporation extends compliance deadline for FDIC digital sign and ATM official sign requirements to 1 January 2027
The Federal Deposit Insurance Corporation (FDIC) has extended the compliance date for displaying the FDIC official digital sign on digital deposit-taking channels and ATMs from 1 March 2026 to 1 January 2027. This extension applies to all FDIC-insured institutions and aligns with the FDIC's proposal to amend Sections 328.4 and 328.5 to address implementation issues and potential consumer confusion. Other amendments to Part 328, Subpart A remain unaffected and are required by 1 May 2025.