FDIC Final Rule on Signs, Advertising, and Misuse of Name/Logo

FDIC Financial Institution Letters

Published January 22nd, 2026

Detected March 12th, 2026

Summary

The FDIC issued a final rule amending regulations on official signs, advertising, and misuse of the FDIC's name or logo for insured depository institutions. The rule provides additional flexibility for digital signage and ATMs while clarifying consumer protections, with a compliance date of April 1, 2027.

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What changed

The Federal Deposit Insurance Corporation (FDIC) has issued a final rule amending its regulations concerning the use of FDIC official signs, advertising of membership, and the prohibition of false advertising, misrepresentation of insured status, and misuse of the FDIC's name or logo. This amendment provides IDIs with greater flexibility regarding the display of the FDIC Official Digital Sign on digital deposit-taking channels and ATMs, including adjustments to color, font, and text size. It also streamlines requirements for displaying the digital sign on homepages, login pages, and account opening processes, and modifies rules for non-deposit product advertising and notifications. For ATMs and similar devices, the rule narrows signage requirements to initial screens and allows for a wider range of devices to display the physical FDIC official sign.

Financial institutions must comply with these updated signage and advertising requirements by April 1, 2027. The changes aim to offer more flexibility to institutions while ensuring consumers can clearly identify when they are interacting with an FDIC-insured entity and when their funds are protected by deposit insurance. Compliance officers should review the specific changes to digital and ATM signage requirements and update internal policies and systems accordingly to meet the 2027 deadline.

What to do next

Review updated FDIC signage and advertising regulations.
Update digital deposit-taking channels and ATM signage to comply with new flexibility and streamlining requirements.
Ensure compliance with updated rules on advertising non-deposit products and customer notifications by April 1, 2027.

Source document (simplified)

Notice of Final Rulemaking on FDIC Official Signs, Advertisement of Membership, False Advertising, Misrepresentation of Insured Status, and Misuse of the FDIC’s Name or Logo

Laws and Regulations January 22, 2026

Summary:

The Federal Deposit Insurance Corporation (FDIC) is issuing a final rule amending the FDIC Rules and Regulations governing signage requirements for insured depository institutions’ (IDIs’) digital deposit-taking channels and automated teller machines (ATMs) and like devices.

The final rule addresses implementation issues and sources of potential confusion raised since the FDIC’s adoption of signage requirements for digital deposit-taking channels and ATMs in 2023. The final rule provides additional flexibility to IDIs while also enabling consumers to better understand when they are conducting business with an IDI and when their funds are protected by the FDIC’s deposit insurance coverage.

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

Highlights:

Key elements of the final rule include:
- Providing additional flexibility with respect to the FDIC Official Digital Sign – The final rule gives IDIs flexibility in the color, font, and text size that IDIs may use when displaying the FDIC official digital sign.
- Streamlining signage requirements for Digital Deposit-taking Channels – The final rule (1) requires display of the digital sign on an IDI’s homepage; login page; and first page of the deposit account opening process, (2) narrows the requirement to display non-deposit signage to apply only to pages primarily dedicated to advertising or providing information about, or access to, non-deposit products, and (3) permits the one-time notification for bank customers related to third-party non-deposit products to automatically disappear after three seconds.
- Streamlining signage on ATMs and Like Devices – The final rule narrows the requirement for the display of the digital sign and non-deposit signage to apply only to the initial screen and initial non-deposit transaction screen, respectively, and permits a wider range of ATMs and like devices to display the physical FDIC official sign rather than the FDIC official digital sign.
The final rule sets a compliance date of April 1, 2027. FIL-3-2026 ## Attachment(s)

FDIC Official Signs, Advertisement of Membership, False Advertising, Misrepresentation of Insured Status, and Misuse of the FDIC’s Name or Log