FDIC Board Meeting Discusses Capital Rule, Deposit Insurance
Summary
The FDIC Board of Directors met to discuss proposed rulemakings on regulatory capital rules for banking organizations and a final rule clarifying deposit insurance coverage for U.S. bank branches in the Federated States of Micronesia, the Marshall Islands, and Palau. The board also rescinded a statement of policy on failed bank acquisitions.
What changed
The FDIC Board of Directors has proposed significant updates to its regulatory capital framework, specifically targeting Category I and II banking organizations and those with substantial trading activity. These proposals aim to modernize the regulatory capital rules and the standardized approach for risk-weighted assets. Concurrently, a final rule has been issued to clarify deposit insurance coverage for branches of U.S. banks operating in the Federated States of Micronesia, the Marshall Islands, and Palau, ensuring clarity for these specific international operations. Additionally, the FDIC rescinded its Statement of Policy on Qualifications for Failed Bank Acquisitions.
These proposed rules will require careful review by affected banking organizations, particularly larger institutions and those with significant trading operations, to understand the new capital requirements and risk-weighting methodologies. The final rule on deposit insurance offers clarity for a specific subset of international branches. Compliance officers should prepare for potential new reporting and capital management obligations stemming from the proposed capital rules, although specific compliance deadlines are not yet established as these are proposed. The rescission of the failed bank acquisition policy may alter the landscape for such transactions.
What to do next
- Review proposed rulemaking on Regulatory Capital Rule for Category I and II Banking Organizations
- Review proposed rulemaking on Regulatory Capital Rules: Regulatory Capital and Standardized Approach for Risk-weighted Assets
- Note the clarification of deposit insurance coverage for specific U.S. bank branches abroad and the rescission of the failed bank acquisition policy
Archived snapshot
Mar 28, 2026GovPing captured this document from the original source. If the source has since changed or been removed, this is the text as it existed at that time.
Pursuant to the provisions of the “Government in the Sunshine Act” (5 U.S.C. § 552b), notice was given that the Federal Deposit Insurance Corporation's Board of Directors would meet in open session to consider the matters.
Materials and information relative to the Board actions are available here:
Notice of Proposed Rulemaking: Regulatory Capital Rule: Category I and II Banking Organizations, Banking Organizations with Significant Trading Activity, and Optional Adoption for Other Banking Organizations
- Memorandum
- Notice of Proposed Rulemaking: Regulatory Capital Rule: Category I and II Banking Organizations, Banking Organizations with Significant Trading Activity, and Optional Adoption for Other Banking Organizations
- Statement by Chairman Travis Hill
- Statement by Jonathan V. Gould, Comptroller of the Currency
- Press Release
- Financial Institution Letter
Notice of Proposed Rulemaking: Regulatory Capital Rules: Regulatory Capital and Standardized Approach for Risk-weighted Assets
- Memorandum
- Notice of Proposed Rulemaking: Regulatory Capital Rules: Regulatory Capital and Standardized Approach for Risk-weighted Assets
- Statement by Chairman Travis Hill
- Statement by Jonathan V. Gould, Comptroller of the Currency
- Press Release
- Financial Institution Letter
Final Rule: Clarification of Deposit Insurance Coverage for Branches of U.S. Banks in the Federated States of Micronesia, the Marshall Islands, and Palau
- Memorandum
- Final Rule: Clarification of Deposit Insurance Coverage for Branches of U.S. Banks in the Federated States of Micronesia, the Marshall Islands, and Palau
Rescission of Statement of Policy on Qualifications for Failed Bank Acquisitions
- Memorandum
- Rescission of Statement of Policy on Qualifications for Failed Bank Acquisitions
- Press Release
- Financial Institution Letter
Votes
| Action | For | Against | Abstention |
|---|---|---|---|
| Notice of Proposed Rulemaking: Regulatory Capital Rule: Category I and II Banking Organizations, Banking Organizations with Significant Trading Activity, and Optional Adoption for Other Banking Organizations | Chairman Hill |
Director Gould
Director Vought | | |
| Notice of Proposed Rulemaking: Regulatory Capital Rules: Regulatory Capital and Standardized Approach for Risk-Weighted Assets | Chairman Hill
Director Gould
Director Vought | | |
| Final Rule: Clarification of Deposit Insurance Coverage for Branches of U.S. Banks in the Federated States of Micronesia, the Marshall Islands, and Palau | Chairman Hill
Director Gould
Director Vought | | |
| Notice: **** Rescission of Statement of Policy on Qualifications for Failed Bank Acquisitions | Chairman Hill
Director Gould
Director Vought | | |
Last Updated: March 20, 2026
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