Data / Federal rules / 2025-21914
Adjusting and Indexing Certain Regulatory Thresholds
The Federal Deposit Insurance Corporation published this final rule in the Federal Register on December 4, 2025. It took effect on January 1, 2026.
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What the agency says
The Federal Deposit Insurance Corporation (FDIC) is adopting this final rule to amend certain regulatory thresholds in the FDIC's regulations to reflect inflation. Specifically, this final rule generally updates such thresholds to reflect inflation from the date of initial implementation or the most recent adjustment and provides for future adjustments pursuant to an indexing methodology. The changes set forth in this final rule preserve the level of certain thresholds set forth in the FDIC's regulations in real terms, thereby avoiding the undesirable and unintended outcome where the scope of applicability for a regulatory requirement changes due solely to inflation rather than actual changes in an institution's size, risk profile, or level of complexity.
Key facts
- Document number
- 2025-21914
- Type
- Final rule
- Action
- Final rule
- Agency
- Federal Deposit Insurance Corporation
- Published
- December 4, 2025
- Takes effect
- January 1, 2026
- Dates
- Effective date: The final rule is effective January 1, 2026.
- Regulation ID (RIN)
- 3064-AG15
- Code of Federal Regulations
- 12 CFR 303; 12 CFR 314; 12 CFR 335; 12 CFR 340; 12 CFR 347; 12 CFR 363; 12 CFR 380
- Topics
- Accounting; Administrative practice and procedure; Authority delegations (Government agencies); Bank deposit insurance; Banks, banking; Brokers; Confidential business information; Credit; Foreign banking; Holding companies; Insurance; Investments; Reporting and recordkeeping requirements; Savings associations; Securities; Trusts and trustees; U.S. investments abroad
- Pages
- 24
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Everything from the Federal Deposit Insurance Corporation · Rules on accounting · Rules on administrative practice and procedure · Rules on authority delegations (government agencies) · Published in December 2025
Read from the Federal Register API, last updated 2026-10-23. The document on federalregister.gov is the official record; dates and dockets can change through later corrections. Free to reuse with credit to SpecStream under CC BY 4.0.