FDIC advances rule changes for large bank resolution filings
The U.S. bank resolution framework is set for revision as the Federal Deposit Insurance Corporation moves to ease submission requirements for larger insured depository institutions. The proposal raises the asset threshold to $100 billion, shifts covered institutions to a three-year filing cycle and temporarily exempts current filers from October 2026 and 2027 submissions.
Highlights
- The FDIC board approved a proposed rule on June 25, 2026 to revise resolution filing requirements for banks with at least $50 billion in assets.
- The proposal raises the filing threshold to $100 billion, adopts automatic indexing adjustments, and requires covered institutions to submit resolution plans every three years.
- The FDIC granted exemptions for October 2026 and 2027 filings and will accept public comments for 60 days after Federal Register publication.
Proposed changes to filing requirements
As announced by the Federal Deposit Insurance Corporation, the agency's board on June 25, 2026 approved a notice of proposed rulemaking to revise resolution submission requirements for insured depository institutions with at least $50 billion in total assets under the current rule.The proposal is designed to streamline filing obligations so they focus on information most directly tied to the FDIC's ability to resolve a failed institution in a cost-effective way. It also would increase the threshold for coverage from $50 billion to $100 billion and introduce automatic future adjustments through an indexing methodology.
Under the proposal, all covered insured depository institutions would move to a three-year submission cycle. The FDIC says comments will be accepted for 60 days after the proposal is published in the Federal Register.
Operational impact for covered institutions
The board also approves an exemption from filing requirements due in October 2026 and in 2027 for all institutions currently subject to the rule, while the rulemaking process continues.For large banks and the broader U.S. banking sector, the changes could reduce compliance workload for firms near the current threshold and narrow the group required to file detailed resolution submissions. The proposal keeps the focus on the FDIC's preparedness for potential bank failures while signaling a lighter reporting regime for covered institutions.
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