FDIC

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FDIC Notice and Request for Comment on HMDA Collection Renewal

The FDIC has issued a notice and request for comment regarding the renewal of existing information collections related to the Home Mortgage Disclosure Act (HMDA). This action is part of the FDIC's obligations under the Paperwork Reduction Act, and no comments were received on previous notices.

FDIC Modifies Privacy Act System of Records FDIC-035

The FDIC is modifying its Privacy Act system of records, FDIC-035, concerning identity, credential, and access management. The system will be renamed and updated to enhance the safety and security of FDIC resources and facilities.

FDIC Collection Renewal and Comment Request

The FDIC is requesting public comment on the renewal of an existing information collection related to acquisition services. The comment period closes on May 1, 2026. This action is part of the FDIC's obligations under the Paperwork Reduction Act.

FDIC Statement on Establishing Office of Supervisory Appeals

FDIC Chairman Travis Hill announced final guidelines for the new Office of Supervisory Appeals. The office will provide an independent review of supervisory determinations, with modifications to panel composition and expanded appellate rights for institutions facing proposed enforcement actions.

FDIC Reports Strong Earnings for Insured Institutions

The FDIC released its Quarterly Banking Profile for Q4 2025, reporting strong full-year earnings for FDIC-insured institutions. The industry finished 2025 with a return on assets of 1.20 percent, driven by increased net interest income and loan growth.

FDIC Chairman Testimony on Rightsizing Regulation

FDIC Chairman Travis Hill testified before the Senate Banking Committee on the agency's efforts to reform its regulatory and supervisory approach. Key initiatives include defining "unsafe or unsound practices" through a proposed interagency rule and establishing an Office of Supervisory Appeals.

FDIC Chairman Discusses Reforms to Regulatory Toolkit

FDIC Chairman Travis Hill announced updates on reforms to the agency's regulatory and supervisory toolkit. Key initiatives include proposals on defining "unsafe or unsound practices," refocusing examinations on material risks, and overhauling the CAMELS rating system. Changes to consumer compliance supervision aim to focus on actual harm and violations rather than process.

FDIC Proposed Rule for Payment Stablecoin Issuance by Subsidiaries

The FDIC has proposed a rule to establish procedures for FDIC-supervised insured depository institutions (IDIs) seeking to issue payment stablecoins through subsidiaries, as mandated by the GENIUS Act. This proposed rule outlines a tailored application process to evaluate safety and soundness while minimizing regulatory burden.

FDIC Extends Comment Period for GENIUS Act Stablecoin Rulemaking

The FDIC has extended the public comment period for its proposed rulemaking concerning the GENIUS Act application procedures for stablecoin issuance. The comment period is now extended to May 18, 2026, providing additional time for FDIC-supervised institutions to submit feedback.