FDIC Official Signs and Advertising Requirements, False Advertising, Misrepresentation of Insured Status, and Misuse of the FDIC's Name or Logo, 11659-11660 [2025-03790]

Download as PDF 11659 Rules and Regulations Federal Register Vol. 90, No. 46 Tuesday, March 11, 2025 This section of the FEDERAL REGISTER contains regulatory documents having general applicability and legal effect, most of which are keyed to and codified in the Code of Federal Regulations, which is published under 50 titles pursuant to 44 U.S.C. 1510. The Code of Federal Regulations is sold by the Superintendent of Documents. OFFICE OF PERSONNEL MANAGEMENT 5 CFR Part 900 RIN: 3206–ZA03 Certifying the Use of a Merit Personnel System as Required by the Intergovernmental Personnel Act of 1970 Office of Personnel Management. ACTION: Guidance. AGENCY: The Office of Personnel Management (OPM) is revising guidance issued on June 10, 2024, regarding the available range of staffing options for federally funded and state-administered low-income programs that are required to comply with the Intergovernmental Personnel Act of 1970 (IPA) and its implementing regulations. DATES: March 11, 2025. FOR FURTHER INFORMATION CONTACT: For questions, please contact Latonia Page, Deputy Associate Director, Workforce Policy and Innovation, Talent Acquisition, Classification, and Veterans Programs at employ@opm.gov or 202–936–3459. SUPPLEMENTARY INFORMATION: Pursuant to 5 CFR 900.604(b)(3), OPM is tasked with responding to requests for guidance regarding compliance with the Intergovernmental Personnel Act of 1970 (IPA) and its implementing regulations. When a federally funded program requires state and local agencies to establish a merit personnel system to receive funds, the IPA and the regulations in 5 CFR part 900, subpart F, are applicable. These regulations establish the standards that must be included in a merit personnel system when it is certified by a state or local agency. OPM’s current guidance issued at 89 FR 48821 (June 10, 2024) states that ‘‘state and local government agencies that receive Federal grants [are] limited to utilizing state and local lotter on DSK11XQN23PROD with RULES1 SUMMARY: VerDate Sep<11>2014 15:54 Mar 10, 2025 Jkt 265001 government personnel in the administration of the grant-aided program.’’ The current guidance reversed prior OPM guidance that authorized greater flexibility in staffing arrangements for these programs. See at 84 FR 16381 (April 19, 2019). On January 31, 2025, President Trump issued Executive Order 14192 entitled ‘‘Unleashing Prosperity Through Deregulation’’ (Unleashing Prosperity). 90 FR 9065 (Feb. 6, 2025). That order made it the policy of the executive branch to ‘‘alleviate unnecessary regulatory burdens placed on the American people.’’ OPM has reviewed its 2024 guidance and is updating it in light of the Unleashing Prosperity executive order. The 2024 guidance imposed extrastatutory obligations on state and local governments that administer federally funded programs covered by the IPA. The IPA and its implementing regulations do not prescribe the use of a particular staffing method such as utilizing state employees or contract employees. Accordingly, in the absence of any other statutory or regulatory requirement to use a specific staffing method, OPM advises that the state or local agency has the discretion to determine the most appropriate staffing method to best and most efficiently carry out its services for the American people. Regardless of the staffing method chosen, the state or local agency must certify that it is using a merit personnel system that meets the standards outlined in 5 CFR 900.603. Because these extra-statutory obligations will no longer be imposed on affected state and local governments, this action is considered an Executive Order 14192 deregulatory action. U.S. Office of Personnel Management. Jerson Matias, Federal Register Liaison. [FR Doc. 2025–03799 Filed 3–10–25; 8:45 am] BILLING CODE 6325–39–P PO 00000 FEDERAL DEPOSIT INSURANCE CORPORATION 12 CFR Part 328 RIN 3064–AF26 FDIC Official Signs and Advertising Requirements, False Advertising, Misrepresentation of Insured Status, and Misuse of the FDIC’s Name or Logo Federal Deposit Insurance Corporation (FDIC). ACTION: Final rule; delay of compliance date. AGENCY: On December 20, 2023, the FDIC adopted a final rule that, among other things, amended the FDIC’s sign and advertisement of membership requirements for insured depository institutions (IDIs). The amendments made by the final rule took effect on April 1, 2024; however, full compliance with the amendments was delayed to January 1, 2025. On October 22, 2024, full compliance with the amendments to the sign and advertisement of membership requirements contained in the final rule was delayed to May 1, 2025. The FDIC is further postponing the compliance date for the requirement to display the FDIC official digital sign on an IDI’s digital channels, as well as on the screen of an IDI’s automated teller machine (ATM) and like devices, to March 1, 2026. During this time, the FDIC will continue to review the feedback received regarding implementation issues and potential consumer confusion that may result from requirements related to the display of the digital sign. After completing its review, the FDIC expects to propose changes to the regulation to address implementation concerns and potential sources of confusion. DATES: The compliance date for 12 CFR 328.4 and 328.5, which was initially delayed at 89 FR 84261 (October 22, 2024), is further delayed to March 1, 2026. SUMMARY: FOR FURTHER INFORMATION CONTACT: Division of Depositor and Consumer Protection: Luke H. Brown, Associate Director, 202–898–3842, LuBrown@ FDIC.gov; Meron Wondwosen, Chief, Supervisory Policy, 202–898–7211, MeWondwosen@FDIC.gov; Edward J. Hof, Senior Policy Analyst, 202–898– 7213, EdwHof@FDIC.gov. Legal Frm 00001 Fmt 4700 Sfmt 4700 E:\FR\FM\11MRR1.SGM 11MRR1 11660 Federal Register / Vol. 90, No. 46 / Tuesday, March 11, 2025 / Rules and Regulations Dated at Washington, DC, on March 3, 2025. Jennifer M. Jones, Deputy Executive Secretary. Division: Kate Marks, Counsel, 202– 898–3896, KMarks@fdic.gov; Chantal Hernandez, Counsel, 202–898–7388, ChHernandez@FDIC.gov. On December 20, 2023, the FDIC Board of Directors adopted a final rule revising the sign and advertisement of membership regulations implementing section 18(a) of the Federal Deposit Insurance Act.1 On January 18, 2024, the final rule was published in the Federal Register.2 The final rule became effective on April 1, 2024, and required full compliance by January 1, 2025. Based upon feedback from IDIs and other industry participants, the FDIC delayed the compliance date for the amendments in subpart A of 12 CFR part 328 to May 1, 2025.3 The delay was intended to provide additional time for IDIs to put in place processes and systems and make technological updates. While the FDIC has observed that some IDIs have implemented aspects of the final rule, it recognizes that the requirement under 12 CFR 328.5 to display the FDIC official digital sign on certain digital channel pages continues to generate questions regarding implementation and may result in consumer confusion. In an effort to address these and related concerns, the FDIC is delaying the compliance date for 12 CFR 328.5, which includes the requirements for displaying the digital sign on an IDI’s digital channels, from May 1, 2025, to March 1, 2026. This delay will allow the FDIC to propose changes to the regulation for public comment to address implementation concerns and potential sources of confusion. The FDIC is also delaying the compliance date for 12 CFR 328.4, which includes analogous requirements related to an IDI’s ATM and like devices, from May 1, 2025, to March 1, 2026. Compliance with all other provisions in subpart A remains unchanged and generally is required by May 1, 2025.4 SUPPLEMENTARY INFORMATION: Federal Deposit Insurance Corporation. By order of the Board of Directors. lotter on DSK11XQN23PROD with RULES1 1 12 U.S.C. 1828(a). FR 3504 (January 18, 2024). 3 89 FR 84261 (October 22, 2024). 4 The policies and procedures required by 12 CFR 328.8 for which the compliance date is May 1, 2025, will not need to address the requirements in 12 CFR 328.4 or 328.5, until March 1, 2026, the full compliance date for these provisions. 2 89 VerDate Sep<11>2014 15:54 Mar 10, 2025 Jkt 265001 [FR Doc. 2025–03790 Filed 3–10–25; 8:45 am] BILLING CODE 6714–01–P DEPARTMENT OF TRANSPORTATION Federal Aviation Administration 14 CFR Part 39 [Docket No. FAA–2024–2421; Project Identifier MCAI–2024–00221–T; Amendment 39–22973; AD 2025–05–01] RIN 2120–AA64 Airworthiness Directives; Airbus SAS Airplanes Ufer 3, 50668 Cologne, Germany; telephone +49 221 8999 000; email ADs@easa.europa.eu; website easa.europa.eu. You may find this material on the EASA website at ad.easa.europa.eu. • You may view this material at the FAA, Airworthiness Products Section, Operational Safety Branch, 2200 South 216th St., Des Moines, WA. For information on the availability of this material at the FAA, call 206–231–3195. It is also available at regulations.gov under Docket No. FAA–2024–2421. FOR FURTHER INFORMATION CONTACT: Dan Rodina, Aviation Safety Engineer, FAA, 2200 South 216th St., Des Moines, WA 98198; telephone 206–231–3225; email Dan.Rodina@faa.gov. SUPPLEMENTARY INFORMATION: AGENCY: Background The FAA is adopting a new airworthiness directive (AD) for certain Airbus SAS Model A300 B4–600, B4– 600R, and F4–600R series airplanes; and Model A300 C4–605R Variant F airplanes (collectively called Model A300–600 series airplanes). This AD was prompted by a determination that new or more restrictive airworthiness limitations are necessary. This AD requires revising the existing maintenance or inspection program, as applicable, to incorporate new or more restrictive airworthiness limitations, as specified in a European Union Aviation Safety Agency (EASA) AD, which is incorporated by reference. The FAA is issuing this AD to address the unsafe condition on these products. DATES: This AD is effective April 15, 2025. The Director of the Federal Register approved the incorporation by reference of a certain publication listed in this AD as of April 15, 2025. ADDRESSES: AD Docket: You may examine the AD docket at regulations.gov under Docket No. FAA–2024–2421; or in person at Docket Operations between 9 a.m. and 5 p.m., Monday through Friday, except Federal holidays. The AD docket contains this final rule, the mandatory continuing airworthiness information (MCAI), any comments received, and other information. The address for Docket Operations is U.S. Department of Transportation, Docket Operations, M– 30, West Building Ground Floor, Room W12–140, 1200 New Jersey Avenue SE, Washington, DC 20590. Material Incorporated by Reference: • For EASA material identified in this AD, contact EASA, Konrad-Adenauer- The FAA issued a notice of proposed rulemaking (NPRM) to amend 14 CFR part 39 by adding an AD that would apply to certain Airbus SAS Model A300–600 series airplanes. The NPRM published in the Federal Register on November 7, 2024 (89 FR 88174). The NPRM was prompted by AD 2024–0083, dated April 9, 2024, issued by EASA, which is the Technical Agent for the Member States of the European Union (EASA AD 2024–0083) (also referred to as the MCAI). The MCAI states that new or more restrictive airworthiness limitations have been developed. EASA AD 2024–0083 specifies that it requires a task (limitation) already in Airbus A300–600 Airworthiness Limitations Section (ALS) Part 2 Revision 4 that is required by EASA AD 2024–0009 (which corresponds to FAA AD 2024–16–02, Amendment 39–22808 (89 FR 75464, September 16, 2024) (AD 2024–16–02)), and that incorporation of EASA AD 2024–0083 invalidates (terminates) prior instructions for that task. This AD, therefore, terminates the limitations required by paragraph (dd) of AD 2024–16–02 for the tasks identified in the material referenced in EASA AD 2024–0083 only. In the NPRM, the FAA proposed to require revising the existing maintenance or inspection program, as applicable, to incorporate new or more restrictive airworthiness limitations, as specified in EASA AD 2024–0083. The FAA is issuing this AD to address fatigue cracking, damage, and corrosion in principal structural elements. The unsafe condition, if not addressed, could result in reduced structural integrity of the airplane. You may examine the MCAI in the AD docket at regulations.gov under Docket No. FAA–2024–2421. Federal Aviation Administration (FAA), DOT. ACTION: Final rule. SUMMARY: PO 00000 Frm 00002 Fmt 4700 Sfmt 4700 E:\FR\FM\11MRR1.SGM 11MRR1

Agencies

[Federal Register Volume 90, Number 46 (Tuesday, March 11, 2025)]
[Rules and Regulations]
[Pages 11659-11660]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2025-03790]


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FEDERAL DEPOSIT INSURANCE CORPORATION

12 CFR Part 328

RIN 3064-AF26


FDIC Official Signs and Advertising Requirements, False 
Advertising, Misrepresentation of Insured Status, and Misuse of the 
FDIC's Name or Logo

AGENCY: Federal Deposit Insurance Corporation (FDIC).

ACTION: Final rule; delay of compliance date.

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SUMMARY: On December 20, 2023, the FDIC adopted a final rule that, 
among other things, amended the FDIC's sign and advertisement of 
membership requirements for insured depository institutions (IDIs). The 
amendments made by the final rule took effect on April 1, 2024; 
however, full compliance with the amendments was delayed to January 1, 
2025. On October 22, 2024, full compliance with the amendments to the 
sign and advertisement of membership requirements contained in the 
final rule was delayed to May 1, 2025. The FDIC is further postponing 
the compliance date for the requirement to display the FDIC official 
digital sign on an IDI's digital channels, as well as on the screen of 
an IDI's automated teller machine (ATM) and like devices, to March 1, 
2026. During this time, the FDIC will continue to review the feedback 
received regarding implementation issues and potential consumer 
confusion that may result from requirements related to the display of 
the digital sign. After completing its review, the FDIC expects to 
propose changes to the regulation to address implementation concerns 
and potential sources of confusion.

DATES: The compliance date for 12 CFR 328.4 and 328.5, which was 
initially delayed at 89 FR 84261 (October 22, 2024), is further delayed 
to March 1, 2026.

FOR FURTHER INFORMATION CONTACT: Division of Depositor and Consumer 
Protection: Luke H. Brown, Associate Director, 202-898-3842, 
[email protected]; Meron Wondwosen, Chief, Supervisory Policy, 202-898-
7211, [email protected]; Edward J. Hof, Senior Policy Analyst, 202-
898-7213, [email protected]. Legal

[[Page 11660]]

Division: Kate Marks, Counsel, 202-898-3896, [email protected]; Chantal 
Hernandez, Counsel, 202-898-7388, [email protected].

SUPPLEMENTARY INFORMATION: On December 20, 2023, the FDIC Board of 
Directors adopted a final rule revising the sign and advertisement of 
membership regulations implementing section 18(a) of the Federal 
Deposit Insurance Act.\1\ On January 18, 2024, the final rule was 
published in the Federal Register.\2\
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    \1\ 12 U.S.C. 1828(a).
    \2\ 89 FR 3504 (January 18, 2024).
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    The final rule became effective on April 1, 2024, and required full 
compliance by January 1, 2025. Based upon feedback from IDIs and other 
industry participants, the FDIC delayed the compliance date for the 
amendments in subpart A of 12 CFR part 328 to May 1, 2025.\3\ The delay 
was intended to provide additional time for IDIs to put in place 
processes and systems and make technological updates.
---------------------------------------------------------------------------

    \3\ 89 FR 84261 (October 22, 2024).
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    While the FDIC has observed that some IDIs have implemented aspects 
of the final rule, it recognizes that the requirement under 12 CFR 
328.5 to display the FDIC official digital sign on certain digital 
channel pages continues to generate questions regarding implementation 
and may result in consumer confusion. In an effort to address these and 
related concerns, the FDIC is delaying the compliance date for 12 CFR 
328.5, which includes the requirements for displaying the digital sign 
on an IDI's digital channels, from May 1, 2025, to March 1, 2026. This 
delay will allow the FDIC to propose changes to the regulation for 
public comment to address implementation concerns and potential sources 
of confusion. The FDIC is also delaying the compliance date for 12 CFR 
328.4, which includes analogous requirements related to an IDI's ATM 
and like devices, from May 1, 2025, to March 1, 2026.
    Compliance with all other provisions in subpart A remains unchanged 
and generally is required by May 1, 2025.\4\
---------------------------------------------------------------------------

    \4\ The policies and procedures required by 12 CFR 328.8 for 
which the compliance date is May 1, 2025, will not need to address 
the requirements in 12 CFR 328.4 or 328.5, until March 1, 2026, the 
full compliance date for these provisions.

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Federal Deposit Insurance Corporation.

    By order of the Board of Directors.

    Dated at Washington, DC, on March 3, 2025.
Jennifer M. Jones,
Deputy Executive Secretary.
[FR Doc. 2025-03790 Filed 3-10-25; 8:45 am]
BILLING CODE 6714-01-P
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