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ARTICLE · 09 JULY 2021

FDIC Updates Resources For Revised Brokered Deposits Regulation

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The FDIC added information on recent revisions to brokered deposits regulation and interest rate restrictions to the Brokered Deposits webpage of the agency's Banker Resource Center.

United StatesFinance and Banking
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The FDIC added information on recent revisions to brokered deposits regulation and interest rate restrictions to the Brokered Deposits webpage of the agency's Banker Resource Center.

The revisions to the brokered deposits regulation and interest rate restrictions became effective on April 1, 2021. (Compliance with the rule is required by January 1, 2022.) For brokered deposits, the final rule establishes a new framework for analyzing certain provisions of the "deposit broker" definition, including "facilitating" and "primary purpose." For the interest rate restrictions, the FDIC is amending its methodology for calculating the national rate, the national rate cap, and the local market rate cap. Further, the FDIC is explaining when nonmaturity deposits are accepted and when nonmaturity deposits are solicited for purposes of applying the brokered deposits and interest rate restrictions. The website has been updated to include a list of entities for which a

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