From my FDIC contact: "We just found out that there was an error in the poster, so they pulled it to make the correction. Hopefully it will be back, and accurate!, very soon."

Error? Write them up

Don't you wish we could?

Ok. Glad I wasn't losing my mind. I spent too much time trying to find it.

I just checked back and it is still not available. Took me a week to get them to reset my login credentials, but hey, that's the best use of my time!

To be fair (pun intended), I only log in to their online catalog once ever few years.

Does the Equal Housing Lender notice need to include "Division of Depositor and Consumer Protection"? This is not included in the model form text: https://www.ecfr.gov/current/title-12/chapter-III/subchapter-B/part-338/subpart-A/section-338.4

Here's what that piece of the notice is supposed to include, according to the text of 338.4 that you linked to, Sgt. Pepper

"AND TO:

Federal Deposit Insurance Corporation, National Center for Consumer and Depositor Assistance, [FDIC-supervised institution should insert mailing address for National Center for Consumer and Depositor Assistance found at www.fdic.gov], https://ask.fdic.gov/fdicinformationandsupportcenter, for processing under the FDIC Regulations."

The problem I mention above is that the FDIC has not updated its web page (the one linked in the regulation, and others) to provide the "correct" mailing address.

That said, if you can't get the darned notices from the FDIC, get them from someone else and use the address that the SF office provided.

I just don't understand why the agency has to make this so $&!@ difficult!

I reached out to FDIC and received confirmation that the correct contact information for the Fair Housing/EHL poster is:

Federal Deposit Insurance Corporation
National Center for Consumer and Depositor Assistance
1100 Walnut Street, Box #11
Kansas City, MO 64106
https://ask.fdic.gov/fdicinformationandsupportcenter

I also asked about posters being unavailable to order through the FDIC online catalog and was told that an FIL will be published when they are available.

Someone at the FDIC must have had the bright idea that inserting an instruction in the regulation to use the address provided on the FDIC's website would make it easier to keep things current when they make the next change to the address or name of the unit at the FDIC without having to go through the hassle of publishing a Fed Register notice. Problem is, they haven't updated the info on their website to complete the job, so the SF office feels it needs to send out an advisory and people call the FDIC to get the info, and post in threads like this one.

I know that the FDIC has larger concerns than getting this right, but they could have made this easy instead of gumming up the works.

Game on again! The FDIC Online Catalog has the poster again. We'll see if it stays up.

What were the errors, you ask? This is all I could find in comparing the two:

July's 2023 version has sloppy centering and the address is not italicized:

For processing under the Federal Fair Housing Act
and to:
Federal Deposit Insurance Corporation
National Center for Consumer and
Depositor Assistance
1100 Walnut Street, Box #11
Kansas City, MO 64106
https://ask.fdic.gov/fdicinformationandsupportcenter
For processing under the FDIC Regulations

Today's download fixed the centering, put the National Center on one line, and italicized the address:

for processing under the Federal Fair Housing Act;
AND TO:
Federal Deposit Insurance Corporation
National Center for Consumer and Depositor Assistance
1100 Walnut Street, Box #11
Kansas City, MO 64106
https://ask.fdic.gov/fdicinformationandsupportcenter,
for processing under the FDIC Regulations.

That's it. It took them a couple months to clean up non-substantive formatting?!? eGads.

Anyway, folks, there it is.

Hot off the press:

FDIC FIL-47-2023 published today.

On April 23, 2023, the FDIC issued a Federal Register Notice to update and clarify the requirements for EHL posters that are required to be displayed in FDIC-supervised institutions. These changes were necessitated by a name change of the FDIC’s entity that receives complaints, from the Consumer Response Center to the National Center for Consumer and Depositor Assistance (NCDA), and the introduction of the web address of the FDIC’s web-based complaint portal.

FDIC-supervised institutions are required to update their EHL posters with the following name, address, and web address:

National Center for Consumer and Depositor Assistance
Federal Deposit Insurance Corporation
1100 Walnut Street, Box #11
Kansas City, MO 64106
https://ask.fdic.gov/fdicinformationandsupportcenter

The effective date for these changes was June 23, 2023. Financial institutions are reminded that the NCDA’s address to physically mail complaints will be maintained at FDIC.gov, and EHL posters should reflect the correct address. FDIC-supervised banks may, but are not required to, obtain posters from the FDIC Online Catalog. Institutions may also wish to create their own posters or use third-party providers. Institutions are expected to make good-faith efforts to update the EHL posters as soon as reasonably practicable.

To request copies of the EHL posters from the FDIC, financial institutions must be registered users of the FDICconnect (FCX) system and provisioned for the FDIC Online Catalog. The steps for FCX users to obtain posters are as follows:

1. To access the FDIC Online Catalog, log into FCX Connect using your FCX Connect credentials.
2. Once you are logged in, you will be redirected to the Business Center Menu.
3. Select the “Ask and Order” link on the upper left side of the screen. The FDIC Online Catalog link will appear underneath.
4. Select the “FDIC Online Catalog Link” and you will be redirected to the FDIC Online Catalog log in screen.
5. Click on the “FDIC Connect Users Click Here” button and you will be redirected to the FDIC Online Catalog.

I'm in the FDIC Online Catalog and did a search using different words and still can't locate it. Has anyone been able to find it?

Oh, good. I was starting to think it was just me. (But no, I can't seem to locate it, either. Been trying for a week now.)

While in the FDIC Online Catalog, click on "For Banks Only" on the left under "Categories". It is listed between "Deposit Insurance" and "Money Smart".

The poster will then pop right up... it is one of only 5 items available for banks only (the others being two HMDA lobby posters and two Member FDIC signs).

I had a coworker who could not find the poster either... turns out she did not have access to the "For Banks Only" Category. I bet that is happening to you too. Your bank administrator likely needs to change your access rights.

I've successfully ordered a bunch, and anticipate receiving them this week. Yay?

Good luck all!

My administrator can't find where to add access for me to "for banks only."

You likely have to call the FDIC for help then. May the odds be ever in your favor.

LOL! Thanks!

Did anyone notice that the Rule and the poster to purchase state:

Federal Deposit Insurance Corporation
National Center for Consumer and Depositor Assistance
Federal Deposit Insurance Corporation
1100 Walnut Street, Box #11
Kansas City, MO 64106
https://ask.fdic.gov/fdicinformationandsupportcenter


HOWEVER, FIL-47-2023 states:

National Center for Consumer and Depositor Assistance
Federal Deposit Insurance Corporation
1100 Walnut Street, Box #11
Kansas City, MO 64106
https://ask.fdic.gov/fdicinformationandsupportcenter

The first two lines are reversed! It seems a lot of vendors are going by the FIL.

We use a vendor created magnetic tile and a change would cost us $$ to make it match the Rule and FDIC signage. Suggestions?

Sure - move on. Any mail will get there regardless.

So we ordered our posters using the FIL procedures (above) and recieved them the week before last. They look like this.

Federal Deposit Insurance Corporation
National Center for Consumer and Depositor Assistance
1100 Walnut Street, Box #11
Kansas City, MO 64106
https://ask.fdic.gov/fdicinformationandsupportcenter

However, in our FDIC Regional newsletter, received last week, it states the posters have to be worded like this.

Division of Depositor and Consumer Protection
National Center for Consumer and Depositor Assistance
Federal Deposit Insurance Corporation
1100 Walnut Street, Box #11
Kansas City, MO 64106
https://ask.fdic.gov/fdicinformationandsupportcenter

Apparently this brings it in line with Appendix A to Part 1002 and Appendix A to Part 343 (which I have yet to check - I'm busy today!)

Anyone going to reorder in light of this?

You just reposted the same thing from above. Why would you go through that time and expense - the mail will get there regardless.

It's not the same as above.

Division of Depositor and Consumer Protection
National Center for Consumer and Depositor Assistance
Federal Deposit Insurance Corporation

From Appendix A to Part 343:
Division of Depositor and Consumer Protection, National Center for Consumer and Depositor Assistance, Federal Deposit Insurance Corporation, [...]

This is technical, but that's how compliance be sometimes.

The regulation lists the Federal Deposit Insurance Corporation on line one and the National Center for Consumer and Depositor Assistance on line two.

But FIL-47-2023 lists the National Center for Consumer and Depositor Assistance on line one and Federal Deposit Insurance Corporation on line two.

Lord knows how the address on the printed posters that were briefly available from the FDIC itself read.

Maybe they should change the name of the NCCDA again. Maybe they can get it right.

Frankly, I don't see how a bank can possibly get cited for using either one of those addresses. Pick one, get some sticky labels and get it done. Or wait until the FDIC warehouse says it has the right thing available.

This is some of what your bank's FDIC assessment goes for, folks!

My Bank falls into the same umbrella of FDIC regulated, but also under CFPB supervision.

Within the Equal Housing Lender poster, there are two separate sections that state 'If you believe you have been disseminated against, you should send a complaint to (fill in the blank address). One section is for Fair Housing Act, and the other for the Equal Credit Opportunity Act.

Were you able to determine if the Equal Housing Lender poster should have the new FDIC complaint center (National Center for Consumer and Depositor Assistance) listed under the Fair Housing Act AND the ECOA section, or should we list the FDIC complaint center for one, and the CFPB complaint contact info for the other?

Comply2023, the CFPB does not have regulatory authority over the Fair Housing Act, which is still HUD's baby. (The Fair Housing Act was never moved to the CFPB for regulatory oversight like so many others, post DFA.) The original regulatory structure, therefore, remains unchanged, with each of the original agencies (FDIC, Fed, OCC, and NCUA) holding the implementing regs for HUD's Fair Housing Act rule. The CFPB is literally out of the picture on this one. In fact, you won't find anything about the Fair Housing Act or the EHL poster in the CFPB Exam Manual. You won't find any CFPB requirement for their address to be on the poster, because they don't have the authority to require it.

That simply means your bank, as an FDIC-supervised institution (in part, anyway) follows the FDIC's regulation Part 338 for EHL verbiage.

If you still have doubts about the address(es) to use, get in touch with the FDIC's official contact on the matter, as shown in the Federal Register announcement of the change. (Here.)