# FDIC Official Signs and Advertising Requirements, False Advertising, Misrepresentation of Insured Status, and Misuse of the FDIC's Name or Logo
> **US Federal Deposit Insurance Corporation** · Final rule. · Published 2024-01-18 · Effective 2024-04-01 · 89 FR 3504
## Document
- **Document number:** 2023-28629
- **Category:** final-rule
- **Agency:** US Federal Deposit Insurance Corporation
- **Federal Register citation:** 89 FR 3504
- **CFR reference:** 12 CFR 328
- **Publication date:** 2024-01-18
- **Effective date:** 2024-04-01
## Abstract

The Federal Deposit Insurance Corporation (FDIC) is amending its regulations governing use of the official FDIC sign and insured depository institutions' (IDIs) advertising statements to reflect how depositors conduct business with IDIs today, including through digital and mobile channels. The final rule also clarifies the FDIC's regulations regarding misrepresentations of deposit insurance coverage by addressing specific scenarios where consumers may be misled as to whether they are conducting business with an IDI and whether their funds are protected by federal deposit insurance. The final rule is intended to enable consumers to better understand when they are conducting business with an IDI and when their funds are protected by the FDIC's deposit insurance coverage.

## Source
- [Federal Register document](https://www.federalregister.gov/documents/2024/01/18/2023-28629/fdic-official-signs-and-advertising-requirements-false-advertising-misrepresentation-of-insured)
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