FDIC Now Requires Banks To Display Digital Signage Online

A new rule was introduced by the FDIC a few months back requiring member banks to display FDIC signage on digital platforms, in addition to the display requirement in physical locations. The rule initially was slated to go into effect in January 2025, and was pushed off until May 2025.

The final rule establishes a new black and navy blue FDIC official digital sign.  Banks will be required to display the FDIC official digital sign near the name of the bank on all bank websites and mobile applications. Banks also will be required to display the FDIC official digital sign on certain automated teller machines.

Indeed we’ve been noticing banks display the FDIC signage more prominently on websites and apps, per the new rule.

Hat tip to Pickle Rick
    Chuck
  • On February 10, 2025, 14:08

View Comments (54)

  • Lots of noise, outrage and speculation floating around. Here is some sauce..

    https://www.fdic.gov/news/speeches/2025/statement-acting-chairman-travis-hill

    "..below is a list of matters I expect the FDIC to focus on in the coming weeks and months.”

    "Conduct a wholesale review of regulations, guidance, and manuals to ensure our rules and approach promote a vibrant, growing economy.

    Adopt a more open-minded approach to innovation and technology adoption, including (1) a more transparent approach to fintech partnerships and to digital assets and tokenization, and (2) engagement to address growing technology costs for community banks.

    Improve the bank merger approval process and replace the 2024 Statement of Policy to ensure that merger transactions that satisfy the Bank Merger Act are approved in a timely way.

    Withdraw problematic proposals from the past three years, such as proposals on brokered deposits and corporate governance.

    Improve the supervisory process to focus more on core financial risks and less on process, and reevaluate the supervisory appeals process.

    Enhance our readiness and preparedness for resolving large financial institutions, incorporating lessons from the far-too-costly failures of 2023, including the need to be much more proactive and nimble and to improve the bidding process.

    Pursue adjustments to our capital and liquidity rules to appropriately balance driving economic growth with ensuring safety and soundness and resilience to shocks.

    Encourage more de novo activity so there is a healthy pipeline of new entrants in the banking sector.

    Work to ensure law-abiding customers have, and do not lose, access to bank accounts and banking services.
    Modernize implementation of the Bank Secrecy Act.

    Study deposit behavior to develop a more sophisticated understanding of the relative stability of different types of deposits and depositors.

    Reevaluate our disclosure practices, and expand transparency in areas that do not impact safety and soundness or financial stability.

    Ensure the FDIC remains within our statutory mandates, and stops coloring outside the lines.

    Pursue internal efficiencies to ensure we are serving as responsible stewards of the Deposit Insurance Fund.

    Reestablish a strong workforce culture, where misconduct is not tolerated and those who engage in misconduct are held accountable."

  • Is that why I saw FDIC logo with "FDIC-Insured - Backed by the full faith and credit of the U.S. Government" disclaimer on the top of the bank website whenever I go to various bank site?

  • Listen, as long as the FDIC continues to protect up to $250,000 per account, per depositor, they can do whatever they want. I'm still biting my nails to see whether these jabronis 'abolish' the very agency that prevents another 1929 style run on the banks.

    • The FDIC doesn’t prevent bank runs it just insures deposits up to $250K. As it stands reserve requirements are actually 0% any ways. Go to your local branch and try to pull out 25k. You will not get that cash same day.

    • If you think the FDIC insuring ~1.3% of all deposits is preventing a run on the banks and crashing the economy you're going to be a bit disappointed. FDIC couldn't insure a run of any of the largest banks by themselves. Your local community bank on the other hand it would be able to handle.

    • If Musk said the FDIC needed to be deleted, you'd have some people here parroting the same crap without questioning it.

  • Not really worried about the beauty cover sign swapping hysteria, just noise and distraction. We should really be focus about what's going on underneath the covers. Shake up at FDIC happening!

    • After trump dismantles the CFPB, they also will be required to put up a “we can rob you blind again” sign. I remember in the 2000’s when Wells Fargo used to rig transactions clearing to trigger overdraft fees. Just to let you know that is called fraud.

      • Quite a few banks used to do that. The beauty of America is you aren't required to use them either though.

      • It's not fraud if Big Bro says it ain't. "It was a bright cold day in April, and the clocks were striking thirteen." Get with the program, Winston.

  • @guest_2001586,

    I have a feeling that you are going to be quite busy in this post based on your earlier reply to @guest_2001575. 😉

    • @guest_2001728, I didn't even click into this article until you mentioned me.

      The "Contact Us" page has evolved into the go to place where people can post new, extended or refreshed deals. As you know, it is a very valuable one to be following. So, it is a critical one to keep clean with the noise level low.

      This article, however, is more of a niche topic so it's not like an army of us will be subscribed to this one now or later.

      Your comment intrigued me to skim the comments. I have to say, the comments are bringing up big picture and long-term issues that are directly or broadly relevant to our hobby. Anything that could happen to the FDIC, the CFPB, the banking system and/or the currency will likely have an impact on our hobby.

      • @guest_2001771,

        I was mostly joking with my comment but you didn't make it clear in your earlier comment that you were only talking about "policing" the "Contact Us" page. I agree with what you wrote in your comment earlier and this comment. 😀

        BTW, a lot of innocent posts like this quickly devolve into a flurry of political and/or ad hominem attacks. Hopefully, that doesn't occur here but I'm not holding my breath!

    • @guest_2001730 Good find, thank you. It looks like this only applies to "less than well capitalized institutions (as defined in Section 38 of the Federal Deposit Insurance Act)"

    • While we're at it, let's discuss the $34+T US debt, the Ukraine/Russia conflict, and how tons and tons of your tax dollars aren't nearly enough to cover the monstrous debt the ever growing Fed gov't has taken on, including funding said conflict.

      No, you wanna talk about how you faked a DD and didn't get your $200 bank bonus, and need the Feds to help with that at a cost of a few $k.

      Oh wait, perhaps all of that is irrelevant to this article?

      • @guest_2001730 ... and the huge gap between federal expenditure and our tax dollars is covered how again? Something like "expansion of the Federal Reserve's balance sheet to make open market purchases of US Treasuries"

        Who, among us, translate this to digitally conjuring money and spending it?

      • Projection levels off the chart. CFPB is a key part of everyone's lives whether you're a churner or just the average person. I swear people forgot the CFPB was created so banks don't ruin the country and take advantage of people like they did in 2008.

        Stop being a bootlicker.

    • I have heard about the recent CFPB news but nothing about the FDIC. What changes are happening there?

    • Agreed. Trump pulling the Plug on the CFPB has now turned me into a single-issue voter. Whatever politician brings back government oversight to financial institutions will get my vote.

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