If a bank has an employee who is misrepresenting FDIC coverage limits due to lack of training, the bank could attract the FDIC's attention. but that's always been the case. The changes to the rule are really about (as suggested above) non-banks and other entities misrepresenting themselves as having the FDIC deposit coverage. And it provides the structure the FDIC will follow to pursue such bad actors.
If a bank has problems giving out bad info on coverage or breaking the rules on advertising FDIC membership, there is already a good structure for the FDIC to follow up -- exam citations, C&D orders, CMPs, etc.
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8