Notice of Proposed Rulemaking on Assessments Thresholds, Rate Schedules, and Adjustments

Summary:

On June 25, 2026, the Federal Deposit Insurance Corporation (FDIC) Board of Directors approved a notice of proposed rulemaking to: (1) increase the $10 billion asset threshold in the definitions of small and large institutions for deposit insurance assessments to $30 billion and adjust the threshold every four years pursuant to a pre-determined indexing methodology; (2) decrease initial base deposit insurance assessment rate schedules by 2 basis points for small institutions and by 1 basis point for large and highly complex institutions; (3) provide a downward resolution readiness adjustment (RRA) to assessment rates for large and highly complex institutions, including 0.5 basis points for passing virtual data room (VDR) testing and 0.5 basis points for providing temporary access to certain service providers and internal systems; and (4) remove obsolete provisions.

Statement of Applicability: The contents of, and material referenced in, this FIL apply to all FDIC-insured financial institutions.

Highlights:

• The proposal would raise the dollar threshold in the assessment regulations used to define small and large institutions from $10 billion to $30 billion as of the effective date of the final rule and provide for future adjustments pursuant to a pre-determined indexing methodology.
• The proposal would decrease initial base deposit insurance assessment rate schedules uniformly by 2 basis points for insured depository institutions (IDIs) that meet the proposed definition of a small institution, and by 1 basis point for IDIs that meet the proposed definition of a large institution or the definition of a highly complex institution, while the reserve ratio is below 2 percent.
• The proposal would amend the risk-based assessment system to include a downward adjustment, the RRA, of up to 1 basis point to assessment rates applicable to large or highly complex institutions, including:
  • 0.5 basis points for demonstrating its ability to populate a VDR with information that could be used to market a bank in the event of its failure; and/or
  • 0.5 basis points for electing to provide the FDIC access to an institution's service provider(s) and/or the institution's internal systems to obtain data and information needed to market the bank in the event of its failure or to manage it in receivership.
• The RRA would be applied to a large or highly complex institution's assessment rate in recognition of the expected reduction in losses to the DIF in the event of the failure of a bank that successfully completes the VDR testing exercise and/or provides the prescribed data access.
• FDIC staff have prepared assessment rate calculators available on the FDIC's website to allow institutions to estimate their assessment rate under the proposed changes.
• Comments on the proposed rule will be accepted for 60 days after publication in the Federal Register.