FDIC Outlines Major Reforms

At the September 2025 meeting of the Financial Stability Oversight Council, FDIC Acting Chairman Travis Hill laid out an ambitious set of reforms designed to reshape the agency's approach to supervision, capital requirements, digital assets, and more. Hill emphasized that the FDIC's goal is to unleash the banking system to drive growth and access to capital while maintaining financial stability.

Supervision Reforms

The FDIC is moving away from a process-heavy model and focusing more on core financial risks. Proposed changes underway include:

• Interagency rulemaking to clarify key terms and provide more consistent guardrails in supervision;
• Reforming the CAMELS rating system to better align with financial risk;