# Reciprocal Deposits: Implementing the 21st Century ROAD to Housing Act

**Action Urgency Score:** 30/100

| Field | Value |
|---|---|
| Agency | Federal Deposit Insurance Corporation |
| Type | Final rule |
| Action | Interim final rule and request for comment. |
| Published | 2026-09-01 |
| Effective | 2026-09-01 |
| Comments close | 2026-10-01 |
| Significant | No |
| CFR parts | 12 CFR 337 |
| Summary | The Federal Deposit Insurance Corporation (FDIC) is amending its brokered deposit regulations to conform with recent changes to section 29 of the Federal Deposit Insurance Act made by section 902 of the 21st Century ROAD to Housing Act related to reciprocal deposits, which took effect on July 11, 2026. The FDIC is also providing certain clarifications regarding the reciprocal deposit framework to facilitate and simplify compliance. The FDIC invites public comment on this interim final rule. |
| Document number | 2026-17865 |

## Why this score
- Final rule.

Source: Federal Register API (Office of the Federal Register) (https://www.federalregister.gov/documents/2026/09/01/2026-17865/reciprocal-deposits-implementing-the-21st-century-road-to-housing-act). Last refreshed: 2026-11-04T21:40:49.974Z.
Data from the Federal Register API; the published Federal Register document is authoritative. Informational only, not legal advice.