Federal Deposit Insurance Corporation finalises revised FDIC sign rules for digital channels and ATMs with April 1, 2027 compliance date

The Federal Deposit Insurance Corporation issued a final rule amending its regulations on FDIC official signs and related advertising and misrepresentation provisions, updating signage requirements for FDIC-insured depository institutions’ digital deposit-taking channels and automated teller machines and like devices. The changes apply to all FDIC-insured financial institutions, address implementation issues and potential sources of consumer confusion identified since the 2023 digital signage requirements, and set a compliance date of April 1, 2027. The rule provides additional flexibility for the FDIC Official Digital Sign by allowing institutions to choose the color, font, and text size. For digital deposit-taking channels, it requires display of the digital sign on the institution’s homepage, login page, and the first page of the deposit account opening process, narrows non-deposit signage to pages primarily dedicated to advertising or providing information about, or access to, non-deposit products, and allows one-time notifications related to third-party non-deposit products to automatically disappear after three seconds. For ATMs and like devices, it limits the digital sign and non-deposit signage to the initial screen and initial non-deposit transaction screen, respectively, and permits a wider range of devices to use the physical FDIC official sign instead of the digital sign.