FDIC Banking & Insurance
Material regulatory developments from Federal Deposit Insurance Corporation are tracked daily by Cresthaven Analytics. Over the last 90 days, 20 material briefs relevant to professionals operating in the financial & capital markets sector have been published below. Each brief is sourced directly from the primary regulatory feed, summarized for institutional readers, and scored for materiality.
Recent material activity
A selection of recent published briefs; this is not a complete archive.
FDIC proposes restructured bank merger review framework with expedited pathways and revised competitive analysis
The FDIC published a proposed rule on September 22, 2026 to reform its Bank Merger Act review process. The proposal introduces tiered filing requirements, a deemed-approval pathway for de minimis transactions, and revise…
Read the full FDIC Banking & Insurance brief →FDIC proposes parity rule shielding out-of-state banks from host-state law on par with national banks
The FDIC published a proposed rule on September 22, 2026 that would extend to out-of-state State-chartered banks the same host-state law exemptions currently available to out-of-state national banks. The proposal aligns …
Read the full FDIC Banking & Insurance brief →OCC and FDIC issue technical correction to September 2026 final rule on unsafe or unsound practices
The OCC and FDIC published a correction on September 22, 2026 to their September 1, 2026 final rule defining 'unsafe or unsound practice' under the Federal Deposit Insurance Act and revising the supervisory framework for…
Read the full FDIC Banking & Insurance brief →FDIC proposes rule extending state bank parity with national banks for cross-state service activities
The FDIC Board of Directors approved a notice of proposed rulemaking on September 17, 2026, to amend regulations governing how host-state laws apply to out-of-state state banks. The proposal would align the legal treatme…
Read the full FDIC Banking & Insurance brief →FDIC proposes revised Bank Merger Act framework with deemed-approval channel and expedited-processing reforms
The FDIC Board approved a notice of proposed rulemaking on September 17, 2026 to overhaul its merger-review process under the Bank Merger Act. The proposal introduces a deemed-approval pathway for de minimis transactions…
Read the full FDIC Banking & Insurance brief →OCC, Federal Reserve, FDIC, and NCUA propose unified third-party risk management guidance to replace existing frameworks
Four federal banking regulators — the OCC, Federal Reserve Board, FDIC, and NCUA — jointly published proposed guidance on September 15, 2026 to replace existing third-party risk management frameworks across banking organ…
Read the full FDIC Banking & Insurance brief →Four federal banking agencies propose unified third-party risk management guidance to replace existing frameworks
Four federal banking agencies — the FDIC, Federal Reserve, NCUA, and OCC — jointly released proposed third-party risk management guidance on September 11, 2026. The proposal is open for public comment for 60 days followi…
Read the full FDIC Banking & Insurance brief →UK and US senior regulators conduct joint CCP resolution tabletop exercise on September 3, 2026
Five regulators — the Bank of England, FDIC, CFTC, SEC, and Federal Reserve Board — met on September 3, 2026 for a tabletop exercise on central counterparty resolution. The session continued a bilateral senior-level seri…
Read the full FDIC Banking & Insurance brief →Federal bank regulators extend 18-month exam cycle eligibility to community banks under $6 billion in assets
The FDIC, Federal Reserve, and OCC jointly issued an interim final rule on September 10, 2026, raising the asset threshold for the extended 18-month on-site examination cycle from $3 billion to $6 billion. The rule takes…
Read the full FDIC Banking & Insurance brief →FDIC issues notice of intent to terminate multiple bank receiverships effective November 2026
The FDIC published a notice on September 3, 2026 announcing its intent to terminate a set of bank receiverships. The notice closes those receiverships procedurally and sets the deadline by which creditors and claimants m…
Read the full FDIC Banking & Insurance brief →OCC and FDIC finalize rule defining unsafe or unsound practice and revising MRA supervisory framework
On September 1, 2026, the OCC and FDIC adopted a final rule that defines 'unsafe or unsound practice' under the Federal Deposit Insurance Act and revises the supervisory framework governing matters requiring attention. T…
Read the full FDIC Banking & Insurance brief →FDIC amends brokered deposit rules to implement statutory reciprocal deposit changes effective July 11, 2026
On September 1, 2026, the FDIC issued an interim final rule amending its brokered deposit regulations to conform with statutory changes to the reciprocal deposit framework under the 21st Century ROAD to Housing Act. The …
Read the full FDIC Banking & Insurance brief →FDIC issues five July 2026 enforcement orders including four individual prohibitions and one consent order termination
The FDIC published its July 2026 enforcement action list in August 2026, comprising five administrative orders: four orders of prohibition against individuals and one order terminating a prior consent order.
Read the full FDIC Banking & Insurance brief →FDIC extends comment period on Disclosure of Information proposed rule to October 5, 2026
The FDIC has extended the public comment period for its proposed rule on disclosure of information. The deadline moves from August 31, 2026 to October 5, 2026, following the rule's original publication on June 30, 2026.
Read the full FDIC Banking & Insurance brief →FDIC interim final rule raises reciprocal deposit exclusion ceiling to $30 billion under new tiered calculation
The FDIC Board approved an interim final rule implementing section 902 of the 21st Century ROAD to Housing Act, amending the statutory framework for reciprocal deposits. The rule raises the brokered-deposit exclusion cei…
Read the full FDIC Banking & Insurance brief →FDIC appointed sole receiver for one financial institution as of August 27 2026
The FDIC published a Federal Register notice on August 27, 2026 confirming its appointment as sole receiver for a named financial institution. The notice records the closure date and initiates the statutory receivership …
Read the full FDIC Banking & Insurance brief →Seven federal agencies rescind 2022 interagency guidance endorsing Special Purpose Credit Programs under ECOA
Seven federal agencies — FDIC, NCUA, OCC, CFPB, HUD, DOJ, and FHFA — jointly rescinded the February 22, 2022 Interagency Statement on Special Purpose Credit Programs under the Equal Credit Opportunity Act and Regulation …
Read the full FDIC Banking & Insurance brief →FDIC resolves Tioga-Franklin Savings Bank failure via full-deposit assumption by Second Federal Savings and Loan
The Pennsylvania Department of Banking and Securities closed Tioga-Franklin Savings Bank on August 22, 2026, appointing the FDIC as receiver. Second Federal Savings and Loan Association of Philadelphia assumed all deposi…
Read the full FDIC Banking & Insurance brief →OCC and FDIC propose joint CRA rule amendments targeting community bank burden reduction and credit-need refocus
On August 12, 2026, the OCC and FDIC issued a joint proposed rulemaking to amend their Community Reinvestment Act regulations. The proposal addresses substantive, technical, and process changes aimed at realigning CRA ru…
Read the full FDIC Banking & Insurance brief →FDIC Banking & Insurance release pending Cresthaven Analytics full analysis: Extensions of Credit to Insiders
FDIC Banking & Insurance published a regulatory release titled 'Extensions of Credit to Insiders'. Cresthaven Analytics' full intelligence brief is pending re-analysis; see the source link below for the complete primary …
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