The FDIC’s 2025 consumer compliance supervisory report recorded only 1,155 level 2 and level 3 regulatory violations — a seven-year low. Enforcement actions also dropped sharply, with the agency initiating 16 formal and 11 informal actions, compared to 31 formal and 23 informal in 2024. The most frequently cited violations involved the Truth in Lending Act, followed by the Electronic Fund Transfer Act, Flood Disaster Protection Act, Truth in Savings Act, and Home Mortgage Disclosure Act.
The FDIC also rescinded its 2022/2023 supervisory guidance on multiple NSF fees, which had cautioned banks against charging serial insufficient funds fees on retried declined transactions. The agency said the guidance was “overly broad in scope” and created uncertainty around fee disclosures. The withdrawal was effective immediately.
What you should do: The drop in citations reflects both fewer examinations (following FDIC guidance from November 2025 reducing exam frequency for most institutions) and a lighter enforcement posture. However, flood insurance, TILA disclosure accuracy, and EFT compliance remain active citation areas. Review your flood insurance force-placement procedures and TILA disclosure systems. These are consistent examination focus areas regardless of administration. On NSF fees: the rescission of the multiple NSF guidance removes one source of supervisory risk, but your customer disclosures must still accurately reflect your actual fee practices.
Spring supervisory highlights: https://www.fdic.gov/bank-examinations/consumer-compliance-supervisory-highlights