{"abstract":"The Federal Deposit Insurance Corporation (FDIC) is amending its signage requirements for insured depository institutions' (IDIs) digital deposit-taking channels and automated teller machines (ATMs) and like devices. This final rule is intended to address implementation issues and sources of potential confusion raised following the adoption of signage requirements for these banking channels in 2023. The final rule provides additional flexibility to IDIs while also enabling consumers to better understand when they are conducting business with an IDI and when their funds are protected by the FDIC's deposit insurance coverage.","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/2026/01/29/2026-01806.html","cfr_references":[{"chapter":null,"citation_url":null,"part":"328","title":12}],"citation":"91 FR 3801","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"Effective date: The amendments made in this rule are effective March 2, 2026.","disposition_notes":null,"docket_ids":[],"dockets":[],"document_number":"2026-01806","effective_on":"2026-03-02","end_page":3813,"executive_order_notes":null,"executive_order_number":null,"explanation":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2026/01/29/2026-01806.xml","html_url":"https://www.federalregister.gov/documents/2026/01/29/2026-01806/fdic-official-signs-advertisement-of-membership-false-advertising-misrepresentation-of-insured","images":{"ER29JA26.011":{"large":"https://img.federalregister.gov/ER29JA26.011/ER29JA26.011_large.png","medium":"https://img.federalregister.gov/ER29JA26.011/ER29JA26.011_medium.png","original_size":"https://img.federalregister.gov/ER29JA26.011/ER29JA26.011_original_size.png"}},"images_metadata":{"ER29JA26.011":{"large":{"identifier":"ER29JA26.011","content_type":"image/png","size":7076,"width":804,"sha":"3e8869d3eb5e69dcdf8ed87ea78a7459","url":"https://img.federalregister.gov/ER29JA26.011/ER29JA26.011_large.png","height":40},"medium":{"identifier":"ER29JA26.011","content_type":"image/png","size":2467,"width":503,"sha":"3086bf042cc63c3d77bcb532f8a8b6c4","url":"https://img.federalregister.gov/ER29JA26.011/ER29JA26.011_medium.png","height":25},"original_size":{"identifier":"ER29JA26.011","content_type":"image/png","size":40218,"width":3901,"sha":"194ee9acbc70d71d31c4f2afa2a32cdc","url":"https://img.federalregister.gov/ER29JA26.011/ER29JA26.011_original_size.png","height":194}}},"json_url":"https://www.federalregister.gov/api/v1/documents/2026-01806?publication_date=2026-01-29","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2026-01-29/2026-01806/mods.xml","not_received_for_publication":null,"page_length":13,"page_views":{"count":3430,"last_updated":"2026-06-01 12:15:06 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-01-29/pdf/2026-01806.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-01806.pdf?1769607918","publication_date":"2026-01-29","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2026/01/29/2026-01806.txt","regulation_id_number_info":{"3064-AG14":{"issue":"202504","html_url":"https://www.federalregister.gov/regulations/3064-AG14/fdic-official-signs-and-advertising-statement-requirements","title":"FDIC Official Signs and Advertising Statement Requirements","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=202504&RIN=3064-AG14&operation=OPERATION_EXPORT_XML","priority_category":"Substantive, Nonsignificant"}},"regulation_id_numbers":["3064-AG14"],"regulations_dot_gov_info":{"comments_count":0,"agency_id":"FDIC","document_id":"FDIC-2026-0166-0001","checked_regulationsdotgov_at":"2026-01-30T16:55:07Z"},"regulations_dot_gov_url":null,"significant":false,"signing_date":null,"start_page":3801,"subtype":null,"title":"FDIC Official Signs, Advertisement of Membership, False Advertising, Misrepresentation of Insured Status, and Misuse of the FDIC's Name or Logo","toc_doc":"Federal Deposit Insurance Corporation Official Signs, Advertisement of Membership, False Advertising, Misrepresentation of Insured Status, and Misuse of the Federal Deposit Insurance Corporation's Name or Logo","toc_subject":null,"topics":["Advertising","Bank deposit insurance","Savings associations","Signs and symbols"],"type":"Rule","volume":91}