On November 25, 2025, the FDIC announced that it is extending the compliance date for the requirements to display the FDIC official digital sign on an insured depository institution’s (IDI’s) digital deposit-taking channels and like devices from March 1, 2026, to January 1, 2027. The extension aligns the compliance date with the FDIC’s proposal issued earlier this year that would make adjustments to those provisions.

On December 20, 2023, the FDIC implemented a rule on official signs and advertising for IDIs, with compliance initially set for January 1, 2025. However, on August 21, 2025, the FDIC proposed amendments to address implementation issues and confusion, extending the compliance date for certain regulations (12 CFR 328.4 and 328.5) from March 1, 2026, to January 1, 2027, to align with the proposal. Other requirements from the final rule still must be met by May 1, 2025.

Read the FDIC’s announcement here.

The Federal Register Notice can be found here.

Adam Witmer

Adam Witmer is a speaker, author, and founder of the Compliance Cohort. Adam has taught hundreds of seminars and training sessions to thousands of bankers throughout the United States and teaches on all areas of regulatory compliance. Adam has written five e-books that he never published, hit a grizzly bear while driving in a National Park, and is an award winning photographer and musician (though he no longer takes photos nor plays any instruments). In his spare time, Adam can be found kayaking on the lake, doing taekwondo with his kids, working on his (project) house, or spending time with his family.

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