Consumer Compliance Supervisory Highlights

FDIC Financial Institution Letters

Published March 31st, 2026

Detected April 1st, 2026

Summary

The FDIC published its annual Consumer Compliance Supervisory Highlights for 2026, summarizing consumer compliance supervisory activities and issues identified through 2025 examinations of state non-member banks and thrifts. The report covers overall performance, most frequently cited violations, and consumer complaint trends.

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What changed

The FDIC released its annual Consumer Compliance Supervisory Highlights (FIL-9-2026), covering consumer compliance supervisory activities conducted in 2025. This publication summarizes the performance of FDIC-supervised institutions, identifies the most frequently cited violations, and provides an overview of consumer complaint trends. The document applies to all FDIC-supervised financial institutions.

Compliance teams should review this annual publication to understand FDIC supervisory priorities and areas of focus for consumer compliance. While this is an informational document rather than a new regulatory requirement, it serves as a benchmark for assessing compliance program adequacy and preparing for upcoming examinations. Banks should use these highlights to align their compliance monitoring activities with identified risk areas.

Source document (simplified)

FDIC Issues 2026 Consumer Compliance Supervisory Highlights

Miscellaneous March 31, 2026

Summary:

The FDIC’s Consumer Compliance Supervisory Highlights is an annual publication. Its purpose is to enhance transparency regarding the FDIC’s consumer compliance supervisory activities and provide a high-level overview of consumer compliance issues identified in 2025 through the FDIC’s supervision of state non-member banks and thrifts.

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

Highlights:

This edition of the FDIC’s Consumer Compliance Supervisory Highlights includes:

A summary of the overall consumer compliance performance of FDIC-supervised institutions in 2025;
A description of the most frequently cited violations; and,
An overview of consumer complaint trends. FIL-9-2026 ## Attachment(s)

Consumer Compliance Supervisory Highlights