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Rule2025-238372025-12-29

Establishment and Relocation of Branches and Offices

Federal Deposit Insurance Corporation

Abstract

The Federal Deposit Insurance Corporation (FDIC) is amending the processes by which an insured State nonmember bank may establish a branch or relocate a main office or branch by eliminating certain filing requirements, reducing processing timelines, and updating public notice procedures. The FDIC is also making corresponding changes to procedures applicable to the relocation of an insured branch of a foreign bank.

Action & Dates

Action
Final rule.
Dates
The final rule will be effective February 27, 2026.
Effective Date
2026-02-27

CFR References

Topics

Administrative practice and procedureBank deposit insuranceBanks, bankingCommunity developmentCreditInvestmentsReporting and recordkeeping requirementsSavings associations

Document Excerpt

Document Headings Document headings vary by document type but may contain the following: the agency or agencies that issued and signed a document the number of the CFR title and the number of each part the document amends, proposes to amend, or is directly related to the agency docket number / agency internal file number the RIN which identifies each regulatory action listed in the Unified Agenda of Federal Regulatory and Deregulatory Actions See the Document Drafting Handbook for more details. Federal Deposit Insurance Corporation 12 CFR Parts 303 and 345 RIN 3064-AG10 AGENCY: Federal Deposit Insurance Corporation. ACTION: Final rule. SUMMARY: The Federal Deposit Insurance Corporation (FDIC) is amending the processes by which an insured State nonmember bank may establish a branch or relocate a main office or branch by eliminating certain filing requirements, reducing processing timelines, and updating public notice procedures. The FDIC is also making corresponding changes to procedures applicable to the relocation of an insured branch of a foreign bank. DATES: The final rule will be effective February 27, 2026. FOR FURTHER INFORMATION CONTACT: Sandra Macias, Chief, (202) 898-3642, smacias@fdic.gov ; Scott Leifer, Senior Review Examiner, (781) 794-5645, sleifer@fdic.gov , Division of Risk Management Supervision; Tara Oxley, Associate Director, (202) 898-6722, toxley@fdic.gov , Division of Depositor and Consumer Protection; Benjamin Klein, Senior Counsel, (202) 898-7027, bklein@fdic.gov ; Julia Dempewolf, Acting Supervisory Counsel, (202) 898-3645, jdempewolf@fdic.gov ; Kali Fleming, Attorney, (571) 637-1896, kfleming@fdic.gov , Legal Division; Federal Deposit Insurance Corporation, 550 17th Street NW, Washington, DC 20429. SUPPLEMENTARY INFORMATION: I. Policy Objectives The objectives of the final rule are to improve the speed and certainty of, and reduce the regulatory burden associated with, the filing process for insured State nonmember banks seeking to establish

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Full Document

Citation: 90 FR 60547

Establishment and Relocation of Branches and Offices — Federal Register 2025-23837 | Open Gov by Base