The Federal Deposit Insurance Corp. (FDIC) released its “Consumer Compliance Supervisory Highlights” report on March 31, summarizing results of the agency’s examinations related to compliance issues identified among state non-member banks and thrifts supervised by the agency.
The FDIC noted that it uses the Federal Financial Institutions Examination Council’s Uniform Interagency Consumer Compliance Rating System to evaluate supervised institutions for adherence to applicable consumer protection laws and regulations.
As of Dec. 31, 2025, the agency found 98 percent of all FDIC-supervised institutions to be rated “Satisfactory” or better for consumer compliance and 98 percent were rated “Outstanding” or “Satisfactory” for compliance with the Community Reinvestment Act.
According to the report, the FDIC identified 1,155 violations (down from 1,275 in 2024) related to consumer protection statutes and regulations among 2,755 state-chartered banks and thrifts.
Five violations accounted for approximately 75 percent of the total number of compliance issues identified by examiners, which was true the previous year as well.
Truth in Lending Act violations were the most common by far with 462 cited by the agency in 2025. Violations of the Electronic Fund Transfer Act (136) and the Flood Disaster Protection Act (131) were a distant second and third, respectively. The agency also found 74 violations of the Truth in Savings Act and 72 violations of the Home Mortgage Disclosure Act.
Of the 28,489 written complaints closed by the FDIC’s Consumer Response Unit (CRU) in 2025, the CRU retained and investigated 15,405 and referred 12,975 to other federal banking regulators.
The most complaints about bank products concerned credit cards, accounting for 31 percent of all complaints received by the agency. Approximately 17 percent of complaints were about checking accounts, 16 percent involved installment loans and another 9 percent referred to “other” loan types. Residential real estate complaints accounted for 4 percent of the total.
The FDIC initiated 16 formal enforcement actions and 11 informal enforcement actions to address consumer compliance examination findings in 2025, according to the report.
The agency issued civil money penalty orders totaling approximately $150 million against institutions, and it ordered approximately $1.2 billion in restitution.
Other supervised institutions provided voluntary restitution payments totaling $4.7 million to 47,902 consumers for violations of various consumer protection laws and regulations.