{"abstract":"The Federal Deposit Insurance Corporation is amending its regulations governing deposit insurance coverage. The amendments simplify the deposit insurance regulations by establishing a \"trust accounts\" category that governs coverage of deposits of both revocable trusts and irrevocable trusts using a common calculation, and provide consistent deposit insurance treatment for all mortgage servicing account balances held to satisfy principal and interest obligations to a lender.","action":"Final rule.","agencies":[{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2022/01/28/2022-01607.html","cfr_references":[{"chapter":null,"citation_url":null,"part":"330","title":12}],"citation":"87 FR 4455","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"The rule is effective on April 1, 2024.","disposition_notes":null,"docket_ids":[],"dockets":[],"document_number":"2022-01607","effective_on":"2024-04-01","end_page":4471,"executive_order_notes":null,"executive_order_number":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2022/01/28/2022-01607.xml","html_url":"https://www.federalregister.gov/documents/2022/01/28/2022-01607/simplification-of-deposit-insurance-rules","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2022-01607?publication_date=2022-01-28","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2022-01-28/2022-01607/mods.xml","not_received_for_publication":null,"page_length":17,"page_views":{"count":5214,"last_updated":"2026-06-02 12:15:04 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2022-01-28/pdf/2022-01607.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2022-01607.pdf?1643291116","publication_date":"2022-01-28","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2022/01/28/2022-01607.txt","regulation_id_number_info":{"3064-AF27":{"issue":"202110","html_url":"https://www.federalregister.gov/regulations/3064-AF27/simplification-of-deposit-insurance-rules","title":"Simplification of Deposit Insurance Rules","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=202110&RIN=3064-AF27&operation=OPERATION_EXPORT_XML","priority_category":"Substantive, Nonsignificant"}},"regulation_id_numbers":["3064-AF27"],"regulations_dot_gov_info":{"comments_count":0,"agency_id":"FDIC","document_id":"FDIC-2022-0009-0001","checked_regulationsdotgov_at":"2022-01-29T04:30:05Z"},"regulations_dot_gov_url":null,"significant":false,"signing_date":null,"start_page":4455,"subtype":null,"title":"Simplification of Deposit Insurance Rules","toc_doc":"Simplification of Deposit Insurance Rules","toc_subject":null,"topics":["Bank deposit insurance","Reporting and recordkeeping requirements","Savings associations"],"type":"Rule","volume":87}