Summary: FDIC State Bank Parity – Notice of Proposed Rulemaking & Request for Comments
Updated 09/29/2026
The Board of Directors of the Federal Deposit Insurance Corporation (FDIC) recently issued a notice of proposed rulemaking intended to modernize and reinforce parity between state-chartered banks and national banks providing cross-border financial services. Prompted largely by recent state-level enactments currently being argued before the courts, such as the Illinois Interchange Fee Prohibition Act, the proposal seeks to prevent a competitive imbalance where national banks claim National Bank Act preemption while out-of-state state banks remain exposed to conflicting state mandates.
Members Can Download This Tool
Login to Download
Not Yet a Member?
Our members enjoy:
On-demand regulatory guidance hotline – by chat, phone and email – available from anywhere, on any device – 7 am - 6 pm, M-F, Central time
Research time saved daily & weekly across forms, checklists, and trainings — for every regulation
Hours of form-building and branding of bank documents saved; in some cases, even the budget of additional staff
A sounding board for support and reassessment when institutional goals or the regulatory environment changes
Access to attorneys and compliance specialists for risk modelling and decision-making in advance of large business decisions
The knowledge that C/A was created and owned by 30 State Bankers Association to provide bank compliance services to their membership organizations
Find out how a personalized team of attorneys and compliance professionals helps build targeted compliance strategies throughout your institution when you take our Live Membership Demo.