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FINAL RULECOMMENTS CLOSED OCTOBER 1, 2026

Reciprocal Deposits: Implementing the 21st Century ROAD to Housing Act

Federal Deposit Insurance Corporation

The Federal Deposit Insurance Corporation (FDIC) is amending its brokered deposit regulations to conform with recent changes to section 29 of the Federal Deposit Insurance Act made by section 902 of the 21st Century ROAD to Housing Act related to reciprocal deposits, which took effect on July 11, 2026. The FDIC is also providing certain clarifications regarding the reciprocal deposit framework to facilitate and simplify compliance. The FDIC invites public comment on this interim final rule.

Published September 1, 2026Document 2026-17865Effective September 1, 2026
Read on FederalRegister.gov ↗Official PDF ↗

What happens next

The comment period closed on October 1, 2026. This rule is already final; the agency reviews the comments and may revise it in a later document. See what is open for comment now.

From the Federal Register as of November 3, 2026. Deadlines can change; the official document governs. Not legal advice.

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