On July 15, 2025, the FDIC issued a notice of proposed rulemaking that would update certain regulatory thresholds to reflect historical inflation, including those under 12 CFR part 363 related to annual independent audit and reporting requirements, and adjust those thresholds in the future based on a proposed indexing methodology. According to the FDIC’s press release, the proposal is the first of a multi-phase effort to reevaluate thresholds within the FDIC’s regulations.
FDIC regulations use thresholds, such as total assets, to determine applicability of regulatory requirements and allow the FDIC to differentiate and tailor regulatory requirements based on an institution’s size, risk profile, and level of complexity. The proposed rule would generally update such thresholds to reflect inflation from the date of initial implementation or the most recent adjustment, and provide for future adjustments pursuant to an indexing methodology. The FDIC said that it will provide a more durable regulatory framework by helping to preserve, in real terms, the level of certain thresholds set forth in the FDIC’s regulations.
Comments are invited and will be accepted within 90 days from the NPRM’s publication in the Federal Register.
Read the FDIC’s press release here.
The proposed rule can be found here.