FDIC Not Found – Regulatory Thresholds Update, Washington DC, 2023

Washington – The Federal Deposit Insurance Corporation (FDIC) has taken a significant step in addressing the persistent issue of inflation by approving a notice of proposed rulemaking (NPR). This NPR aims to update regulatory thresholds, including those under 12 CFR part 363 concerning annual independent audit and reporting requirements. The FDIC utilizes thresholds like total assets to determine the applicability of regulatory requirements, thereby allowing for tailored oversight based on an institution’s size, risk profile, and complexity.

The proposed changes seek to establish a more resilient framework that preserves certain regulatory thresholds in real terms, avoiding unintended policy consequences. This is the first phase of a multi-step reevaluation of FDIC regulations regarding thresholds. The agency expects to solicit comments on subsequent proposals affecting additional thresholds.

Comments on the proposed rule will be accepted for 60 days following publication in the Federal Register. This move by the FDIC underscores its commitment to ensuring financial stability and protecting depositors from the adverse effects of inflation.

The new framework, if approved, would adjust thresholds in the future based on a proposed indexing methodology, aligning with the agency’s historical approach to inflationary adjustments. It is anticipated that these changes will have a substantial impact on regulatory compliance across various financial institutions.

FDIC officials emphasized that this proposal reflects the agency’s ongoing efforts to keep pace with economic trends and regulatory challenges. Comments from stakeholders are crucial in shaping the final regulations, as they are expected to influence the future of financial institution oversight in the United States.

For more information or to submit comments, contact Julianne Fisher Breitbeil at (202) 340-2043. Last Updated: July 15, 2025