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FDIC
Federal Deposit Insurance Corporation
The Federal Deposit Insurance Corporation (FDIC) is an independent agency created by the Congress to maintain stability and public confidence in the nation's financial system by: insuring deposits; examining and supervising financial institutions for safety and soundness and consumer protection; making large and complex financial institutions resolvable; and managing the resolution of failed banks. The FDIC was established under the Banking Act of 1933 in response to numerous bank failures during the Great Depression. The FDIC began insuring banks on January 1, 1934. Today, the basic insurance coverage amount for deposit accounts is $250,000. The FDIC does not operate on funds appropriated by Congress. Its income is derived from insurance premiums on deposits held by insured banks and savings associations and from interest on the required investment of the premiums in U.S. Government securities. It also has authority to borrow from the Treasury up to $100 billion for insurance purposes. Management of the FDIC consists of a five-member Board of Directors. The members include a Chairman, Vice Chairman, Appointive Director, the Comptroller of the Currency, and the Director of the Bureau of Consumer Financial Protection. No more than three members of the Board can be from the same political party.
Recent Regulations
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FDIC
Recent Regulations
View all →ProposedFeb 11, 2026
Approval Requirements for Issuance of Payment Stablecoins by Subsidiaries of FDIC-Supervised Insured Depository Institutions; Extension of Comment Period
RuleJan 29, 2026
FDIC Official Signs, Advertisement of Membership, False Advertising, Misrepresentation of Insured Status, and Misuse of the FDIC's Name or Logo
RuleDec 4, 2025
Adjusting and Indexing Certain Regulatory Thresholds
ProposedDec 1, 2025
Regulatory Capital Rule: Revisions to the Community Bank Leverage Ratio Framework
RuleNov 28, 2025
FDIC Official Signs and Advertising Requirements, False Advertising, Misrepresentation of Insured Status, and Misuse of the FDIC's Name or Logo
ProposedAug 21, 2025
FDIC Official Signs, Advertisement of Membership, False Advertising, Misrepresentation of Insured Status, and Misuse of the FDIC's Name or Logo
ProposedJul 28, 2025
Adjusting and Indexing Certain Regulatory Thresholds
ProposedJul 25, 2025
Regulatory Publication and Review Under the Economic Growth and Regulatory Paperwork Reduction Act of 1996
ProposedJul 18, 2025
Parent Companies of Industrial Banks and Industrial Loan Companies; Withdrawal of Proposed Rule
ProposedJul 18, 2025
Establishment and Relocation of Branches and Offices
About
The Federal Deposit Insurance Corporation (FDIC) is an independent agency created by the Congress to maintain stability and public confidence in the nation's financial system by: insuring deposits; examining and supervising financial institutions for safety and soundness and consumer protection; making large and complex financial institutions resolvable; and managing the resolution of failed banks. The FDIC was established under the Banking Act of 1933 in response to numerous bank failures during the Great Depression. The FDIC began insuring banks on January 1, 1934. Today, the basic insurance coverage amount for deposit accounts is $250,000. The FDIC does not operate on funds appropriated by Congress. Its income is derived from insurance premiums on deposits held by insured banks and savings associations and from interest on the required investment of the premiums in U.S. Government securities. It also has authority to borrow from the Treasury up to $100 billion for insurance purposes. Management of the FDIC consists of a five-member Board of Directors. The members include a Chairman, Vice Chairman, Appointive Director, the Comptroller of the Currency, and the Director of the Bureau of Consumer Financial Protection. No more than three members of the Board can be from the same political party.