Reciprocal Deposits: Implementing the 21st Century ROAD to Housing Act
Built by the Tribune's code from the Federal Register. No AI wrote this page. Published in the Federal Register Sept. 1, 2026. Document 2026-17865. Updated Nov. 6, 2026.
- What it does
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.
The Federal Deposit Insurance Corporation's summary, as published in the Federal Register.
- What changed in the regulation
1 part of Title 12 of the Code of Federal Regulations:
Wording on eCFR: the day before it took effect and from the day it took effect (first part listed).
- Compared with
The Federal Deposit Insurance Corporation has published 4 final rules in 2026 so far, compared with 6 in all of 2025.
Counted by the Tribune from Federal Register records since Jan. 1, 2025.
- Before this
No earlier Federal Register document under regulation identifier 3064-AG32 since Jan. 1, 2025.
- What happens next and when
The interim final rule is effective September 1, 2026. Comments must be received no later than October 1, 2026.
The agency's dates, word for word.
- Check it yourself
The record as published
| Document number | 2026-17865 |
|---|---|
| Action | Interim final rule and request for comment. |
| Agencies | Federal Deposit Insurance Corporation |
| Published | Sept. 1, 2026 |
| Effective date | Sept. 1, 2026 |
| Comments close | Oct. 1, 2026 |
| Regulation identifier (RIN) | 3064-AG32 |
Source: the Federal Register (public domain). The document in the Federal Register