The Federal Deposit Insurance Corporation (FDIC) is extending the compliance date from March 1, 2026, to January 1, 2027, for the requirements under 12 CFR 328.5 to display the FDIC official digital sign on an insured depository institution’s (IDI’s) digital deposit-taking channels, as well as equivalent requirements related to automated teller machines (ATMs) and like devices under 12 CFR 328.4. This extension would align the compliance date with the FDIC’s proposal issued earlier this year that would make adjustments to those provisions.

Display of FDIC official digital sign. An insured depository institution’s automated teller machine that receives deposits for an insured depository institution and offers access to non-deposit products must clearly, continuously, and conspicuously display the FDIC official digital sign on its home page or screen and on each transaction page or screen relating to deposits.

Automated teller machines and like devices placed into service after January 1, 2025. An insured depository institution’s automated teller machine that receives deposits for an insured depository institution and does not offer access to non-deposit products, that is placed into service after January 1, 2025 must display the official digital sign as described:

An insured depository institution must clearly, continuously and conspicuously display the FDIC official digital sign on its digital deposit-taking channels on the following pages or screens:

  • Initial or homepage of the website or application;
  • Landing or login pages; and
  • Pages where the customer may transact with deposits.

What to Do (Action Items): 

Download Official Signs: Get the latest digital signs from the FDIC Connect Portal (fdicconnect.gov).

Review ATM Screens: Ensure your ATMs show the digital sign on relevant screens (home, login, transaction) and consider the required “one-time notification” for non-deposit products if applicable.

Update Policies: Revise internal policies for both physical and digital signage to reflect Part 328 updates.

Stay Informed: Check the FDIC website (fdic.gov) for FAQs and rule changes and read industry publications for interpretation.

The delay of the dates can be found here. If you need assistance with these requirements or other consumer regulations. Be sure to reach out to CCI at inquiries@completecompli.com.

 

Steve Doty, CRCM, CBP