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<REGINFO_RIN_DATA xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" RUN_DATE="2026-10-23-04:00" xsi:noNamespaceSchemaLocation="https://www.reginfo.gov/public/xml/REGINFO_XML_Ver10262011.xsd">
    <RIN_INFO>
        <RIN>3064-AE00</RIN>
        <PUBLICATION>
            <PUBLICATION_ID>201310</PUBLICATION_ID>
            <PUBLICATION_TITLE>The Regulatory Plan and the Unified Agenda of Federal Regulatory and Deregulatory Actions</PUBLICATION_TITLE>
        </PUBLICATION>
        <AGENCY>
            <CODE>3064</CODE>
            <NAME>Federal Deposit Insurance Corporation</NAME>
            <ACRONYM>FDIC</ACRONYM>
        </AGENCY>
        <RULE_TITLE>Deposit Insurance Regulations; Definition of Insured Deposit</RULE_TITLE>
        <ABSTRACT><![CDATA[The Federal Deposit Insurance Corporation ("FDIC") is amending its deposit insurance regulations, with respect to deposits payable in branches of United States insured depository institutions ("United States bank" or "bank") outside of the United States.  The rule clarified that deposits in these foreign branches of United States banks are not FDIC insured deposits. This would be the case whether or not they are dually payable both at the branch outside the United States and at an office within the United States.  As discussed further below, a recent proposal by the United Kingdom's Financial Services Authority ("U.K. FSA") makes it very likely that large United States banks will be changing their United Kingdom foreign branch deposit agreements to make them payable both in the United Kingdom and the United States. This action has the potential to increase significantly the exposure of the Deposit Insurance Fund ("DIF") and operational complexities were such deposits to be treated as insured. The purpose of this rule is to preserve confidence in the FDIC deposit insurance system, ensure that the FDIC can effectively carry out its critical deposit insurance functions, and protect the DIF against the uncertain liability that it would otherwise face as a global deposit insurer.]]></ABSTRACT>
        <PRIORITY_CATEGORY>Substantive, Nonsignificant</PRIORITY_CATEGORY>
        <RIN_STATUS>Previously Published in The Unified Agenda</RIN_STATUS>
        <RULE_STAGE>Completed Actions</RULE_STAGE>
        <MAJOR>No</MAJOR>
        <UNFUNDED_MANDATE_LIST>
            <UNFUNDED_MANDATE>No</UNFUNDED_MANDATE>
        </UNFUNDED_MANDATE_LIST>
        <CFR_LIST>
            <CFR>12 CFR 330</CFR>
        </CFR_LIST>
        <LEGAL_AUTHORITY_LIST>
            <LEGAL_AUTHORITY>12 USC 1813(l)</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 USC 1813(m)</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 USC 1817(i)</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 USC 1818(q)</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>...</LEGAL_AUTHORITY>
        </LEGAL_AUTHORITY_LIST>
        <LEGAL_DLINE_LIST/>
        <RPLAN_ENTRY>No</RPLAN_ENTRY>
        <TIMETABLE_LIST>
            <TIMETABLE>
                <TTBL_ACTION>NPRM</TTBL_ACTION>
                <TTBL_DATE>02/19/2013</TTBL_DATE>
                <FR_CITATION>78 FR 11604</FR_CITATION>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>NPRM Comment Period End</TTBL_ACTION>
                <TTBL_DATE>04/22/2013</TTBL_DATE>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>Final Rule</TTBL_ACTION>
                <TTBL_DATE>09/13/2013</TTBL_DATE>
                <FR_CITATION>78 FR 56583</FR_CITATION>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>Final Rule Effective</TTBL_ACTION>
                <TTBL_DATE>10/15/2013</TTBL_DATE>
            </TIMETABLE>
        </TIMETABLE_LIST>
        <ADDITIONAL_INFO>Email:  Comments@FDIC.gov.  Include &quot;RIN 3064-AE00&quot; in the subject line of the message.</ADDITIONAL_INFO>
        <RFA_REQUIRED>No</RFA_REQUIRED>
        <SMALL_ENTITY_LIST>
            <SMALL_ENTITY>No</SMALL_ENTITY>
        </SMALL_ENTITY_LIST>
        <GOVT_LEVEL_LIST>
            <GOVT_LEVEL>None</GOVT_LEVEL>
        </GOVT_LEVEL_LIST>
        <FEDERALISM>No</FEDERALISM>
        <ENERGY_AFFECTED>No</ENERGY_AFFECTED>
        <PUBLIC_COMMENT_URL>www.fdic.gov/regulations/laws/federal</PUBLIC_COMMENT_URL>
        <PRINT_PAPER>No</PRINT_PAPER>
        <INTERNATIONAL_INTEREST>Yes</INTERNATIONAL_INTEREST>
        <AGENCY_CONTACT_LIST>
            <CONTACT>
                <FIRST_NAME>Matthew</FIRST_NAME>
                <LAST_NAME>Green</LAST_NAME>
                <TITLE>Associate Director</TITLE>
                <AGENCY>
                    <CODE>3064</CODE>
                    <NAME>Federal Deposit Insurance Corporation</NAME>
                    <ACRONYM>FDIC</ACRONYM>
                </AGENCY>
                <PHONE>202 898-3670</PHONE>
                <EMAIL>mgreen@fdic.gov</EMAIL>
                <MAILING_ADDRESS>
                    <STREET_ADDRESS>550 17th Street NW.,</STREET_ADDRESS>
                    <CITY>Washington</CITY>
                    <STATE>DC</STATE>
                    <ZIP>20249</ZIP>
                </MAILING_ADDRESS>
            </CONTACT>
            <CONTACT>
                <FIRST_NAME>F. Angus</FIRST_NAME>
                <LAST_NAME>Tarpley</LAST_NAME>
                <SUFFIX>III</SUFFIX>
                <TITLE>Counsel</TITLE>
                <AGENCY>
                    <CODE>3064</CODE>
                    <NAME>Federal Deposit Insurance Corporation</NAME>
                    <ACRONYM>FDIC</ACRONYM>
                </AGENCY>
                <PHONE>202 898-8521</PHONE>
                <EMAIL>ftarpley@fdic.gov</EMAIL>
                <MAILING_ADDRESS>
                    <STREET_ADDRESS>550 17th Street NW,</STREET_ADDRESS>
                    <CITY>Washington</CITY>
                    <STATE>DC</STATE>
                    <ZIP>20429</ZIP>
                </MAILING_ADDRESS>
            </CONTACT>
            <CONTACT>
                <FIRST_NAME>Catherine</FIRST_NAME>
                <LAST_NAME>Ribnick</LAST_NAME>
                <TITLE>Counsel, Legal Division</TITLE>
                <AGENCY>
                    <CODE>3064</CODE>
                    <NAME>Federal Deposit Insurance Corporation</NAME>
                    <ACRONYM>FDIC</ACRONYM>
                </AGENCY>
                <PHONE>202 736-0117</PHONE>
                <EMAIL>cribnick@fdic.gov</EMAIL>
                <MAILING_ADDRESS>
                    <STREET_ADDRESS>550 17th Street NW.,</STREET_ADDRESS>
                    <CITY>Washington</CITY>
                    <STATE>DC</STATE>
                    <ZIP>20429</ZIP>
                </MAILING_ADDRESS>
            </CONTACT>
        </AGENCY_CONTACT_LIST>
    </RIN_INFO>
</REGINFO_RIN_DATA>
