The Federal Deposit Insurance Corporation board approved a notice of proposed rulemaking to revise deposit insurance assessment regulations for all FDIC-insured institutions. The proposal would raise the asset threshold separating small and large institutions from USD 10 billion to USD 30 billion, with automatic inflation indexing every four years, lower initial base assessment rate schedules by 2 basis points for small institutions and 1 basis point for large and highly complex institutions, and add a downward resolution readiness adjustment of up to 1 basis point for large and highly complex firms that complete specified testing and data access steps. The proposal also would remove obsolete provisions from the assessment rules. Under the proposal, institutions currently priced as large institutions but with less than USD 30 billion in assets would be reclassified as small institutions when any final rule takes effect, rather than after four consecutive quarters, although those firms could make a one-time election to remain under the large-bank scorecard methodology for up to eight quarters. The resolution readiness adjustment would be split into 0.5 basis points for passing a virtual data room test and 0.5 basis points for providing prescribed access to service providers or internal systems, reflecting the FDIC’s view that faster access to marketing and operating data could reduce losses to the Deposit Insurance Fund if a bank fails. The rate cuts are tied to the recent growth of the fund and reserve ratio, which stood at 1.43 percent as of March 31, 2026, and the proposal includes assessment calculators based on March 31, 2026 data to help institutions estimate the effect. Comments will be accepted for 60 days after publication in the Federal Register.
Federal Deposit Insurance Corporation2026-06-25
Federal Deposit Insurance Corporation proposes USD 30 billion assessment threshold lower deposit insurance rates and resolution readiness adjustment
The Federal Deposit Insurance Corporation has proposed broad changes to deposit insurance assessments, including raising the small-versus-large institution threshold to USD 30 billion and lowering initial base assessment rates. Large and highly complex institutions also could receive up to a 1 basis point reduction for resolution readiness measures tied to virtual data room testing and prescribed data access. Comments are due 60 days after Federal Register publication.