The Federal Deposit Insurance Corporation has invited comment on a notice of proposed rulemaking to amend its regulations on official signs and advertisement of membership, focusing on signage requirements for insured depository institutions’ (IDIs’) digital deposit-taking channels and automated teller machines (ATMs) and like devices. The proposal is intended to resolve operational and consumer-confusion issues identified after the FDIC’s 2023 final rule, while improving consumers’ understanding of when they are dealing with an IDI and when funds are covered by FDIC deposit insurance. The proposed amendments would adjust requirements under sections 328.4 and 328.5 by adding flexibility for the FDIC official digital sign (including permitted color, font, and size). For digital deposit-taking channels, it would eliminate digital sign display on landing pages and pages where customers transact with deposits, require the digital sign on the page where a customer initiates deposit account opening, narrow non-deposit signage to pages primarily dedicated to non-deposit products, and allow a one-time notification related to third-party non-deposit products to disappear automatically after a minimum amount of time. For ATMs and like devices, it would narrow digital sign and non-deposit signage display to the initial screen and the initial non-deposit transaction screen, respectively, and allow a wider range of devices to use the physical FDIC official sign instead of the digital sign. The proposal would set a compliance date of 1 January 2027. Comments will be accepted for 60 days after publication in the Federal Register.

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