The Federal Deposit Insurance Corporation (FDIC) has finalized updates to its regulations governing the display of official FDIC signs and advertising statements. These changes aim to enhance consumer understanding of FDIC-insured deposits across both physical and digital banking channels. As technology continues to evolve, it is essential for insured depository institutions (IDIs) to clearly communicate when their products are covered by FDIC insurance, especially with the rise of mobile and online banking.

Key Amendments:

1. Digital Channels: In addition to traditional banking branches, IDIs will now be required to display a digital version of the FDIC official sign on websites, mobile apps, and ATMs. This move reflects the growing reliance on digital platforms for banking transactions, where depositors can sometimes be confused about the insured status of their funds.

2. Non-Deposit Products: For the first time, IDIs must also display clear signage in locations where non-deposit products are offered. Non-deposit products, including crypto-assets, securities, and insurance products, will need to be clearly distinguished from FDIC-insured deposit accounts. This will help prevent consumer confusion about which products are covered by the FDIC.

3. ATM and Remote Service Facilities: Amendments extend to Automated Teller Machines (ATMs) and similar devices. These machines, when used for deposit-taking, will be required to display the FDIC digital sign and, where applicable, signage indicating that non-deposit products are not insured by the FDIC.

4. Misrepresentation of Insurance Status: The updated regulations address concerns over the misuse of the FDIC logo and the misrepresentation of deposit insurance coverage. The FDIC is taking steps to prevent consumers from being misled into believing their funds are insured when they are not.

Implementation Timeline: The final rule will go into effect on April 1, 2024, with full compliance required by January 1, 2025. The FDIC has acknowledged the time and resource constraints many institutions face, particularly smaller banks and those relying on third-party vendors, and has provided a phased approach to allow for necessary system updates.

Consumer Protection Focus: These regulatory changes align with the FDIC’s mission to maintain stability and confidence in the financial system. By ensuring that all deposit-taking institutions—both traditional and digital—clearly communicate their FDIC-insured status, the FDIC aims to reduce consumer confusion and enhance transparency in a rapidly evolving financial landscape.

For more information about these changes or need assistance navigating compliance under the amended rules, please reach out to our team for tailored guidance.  

联邦存款保险公司（FDIC）修订官方标志和广告要求：银行机构的关键变化

联邦存款保险公司（FDIC）已完成对其关于官方FDIC标志和广告声明展示规定的更新。这些变更旨在增强消费者对通过实体和数字银行渠道提供的FDIC保险存款的理解。随着技术的不断发展，确保被保险存款机构（IDIs）能够清楚地传达其产品是否受FDIC保险覆盖，尤其是在移动银行和在线银行兴起的背景下，显得尤为重要。

关键修订：

1. 数字渠道： 除了传统的银行分行外，IDIs现在还需要在其网站、移动应用程序和ATM上显示FDIC官方标志的数字版本。这一举措反映了数字平台在银行交易中的日益重要性，存款人有时会对其资金的保险状态产生困惑。

2. 非存款产品： 第一次，IDIs还必须在提供非存款产品的地方清晰展示标识。非存款产品，包括加密资产、证券和保险产品，将需要与FDIC保险存款账户明显区分开来。这将帮助防止消费者对哪些产品受到FDIC保险覆盖产生混淆。

3. ATM和远程服务设施： 修订也适用于自动取款机（ATM）和类似设备。这些设备在用于存款接收时，将被要求显示FDIC数字标志，并在适用时显示标识，指示非存款产品不受FDIC保险覆盖。

4. 保险状态的误表示： 更新的规定解决了关于FDIC标志滥用和存款保险覆盖误表示的问题。FDIC正在采取措施，防止消费者被误导，认为他们的资金受到保险保护，而实际上并没有。

5. 实施时间表： 最终规则将于2024年4月1日起生效，要求在2025年1月1日前完全合规。FDIC已经认识到许多机构面临的时间和资源限制，特别是小型银行和依赖第三方供应商的银行，并提供了一个分阶段的方法，以便进行必要的系统更新。

6. 消费者保护重点： 这些法规的变化与FDIC的使命相一致，即维护金融系统的稳定和公众信心。通过确保所有存款机构——无论是传统银行还是数字银行——都能清晰传达其FDIC保险状态，FDIC旨在减少消费者的混淆，并提高在快速发展的金融环境中的透明度。

如需要更多信息或在遵守修订规则方面需要帮助，请联系我们的团队以获取量身定制的指导