The Federal Deposit Insurance Corporation has enhanced its public website to provide more transparency into how failing financial institutions are marketed and sold, and has posted sample contractual templates so potential acquirers and other bidders can review transaction documentation in advance. Updates in the FDIC’s Resolutions web pages cover the franchise sale and acquisition process, including additional information on nonbank asset bidders and “alliance bids” where multiple bidders combine resources. The agency also added a new page on loan pools that may be offered to asset buyers prior to bank failure and published sample templates spanning purchase and assumption agreements for franchise sales, confidentiality documentation, and loan sale and related financing and security documentation for loan pool transactions. The FDIC stated the FIL applies to all FDIC-insured financial institutions and certain non-bank entities. The FDIC indicated that additional financing documents for franchise sale transactions will be added soon, and that posted templates may be updated over time and may differ from the forms used in any particular transaction.
Federal Deposit Insurance Corporation 2025-12-30
Federal Deposit Insurance Corporation increases transparency on failing-bank sales and publishes sample transaction document templates
The FDIC has enhanced its website to increase transparency in marketing and selling failing financial institutions, providing sample contractual templates for potential acquirers. Updates include information on franchise sales, nonbank asset bidders, alliance bids, and loan pools offered before bank failure. These resources apply to all FDIC-insured institutions and certain non-bank entities, with further template updates expected.