FDIC Plan Seeks to Refocus US Bank Oversight on Material Risks

Oct. 7, 2025, 2:46 PM UTC

The Federal Deposit Insurance Corp. unveiled a plan to narrow the way examiners can issue warnings to lenders, saying it wanted to refocus bank supervision on core financial risks.

Under the new measure, which is subject to public comment before it can be finalized, agency staff will be expected to only issue warnings or impose penalties related to “practices and acts that have caused or could be expected to cause actual financial harm to the bank,” the agency said on Tuesday.

FDIC Acting Chair Travis Hill said examiners would be expected to focus on issues that materially impact the risk ...

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