FDIC 2026-2030 Strategic Plan The Federal Deposit Insurance Corporation's strategic plan for fiscal years 2026 through 2030, approved by the FDIC Board of Directors on December 16, 2025, outlining goals and objectives to advance the agency's mission of maintaining stability and public confidence in the nation's financial system. FDIC 2026-2030 Strategic Plan: Prepared pursuant to the Government Performance and Results Act of 1993, as modified by the GPRA Modernization Act of 2010, and certain provisions of the Foundations for Evidence-Based Policymaking Act of 2018. The plan was published for public comment for a 14-day period in October and November 2025 prior to Board approval. ^^ Submitter's Note: This StratML rendition was compiled from the source by Claude.ai. Federal Deposit Insurance Corporation FDIC uuid-4a1f7c22-83b0-4d5e-b9f1-0e2c3d4a5b6c An independent agency created by Congress in the Banking Act of 1933 to maintain stability and public confidence in the nation's financial system. The FDIC is funded by premiums paid by banks and savings associations for deposit insurance coverage, not by Congressional appropriations. It insures more than $10 trillion in deposits at U.S. banks and thrifts and is managed by a presidentially appointed, Senate-confirmed Board of Directors. Approximately 5,500 staff, including 1,950 bank examiners, carry out its three major programs: insurance, supervision, and receivership management. Insured Depositors Individuals and entities holding deposits at FDIC-insured banks and savings associations, protected up to $250,000 per depositor per ownership category. FDIC-Insured Institutions Banks and savings associations that pay deposit insurance premiums and are subject to FDIC examination, supervision, and resolution authority. Congress Legislative body that created and oversees the FDIC, receives the agency's Annual Performance Plan and Annual Performance Report, and sets statutory mandates the FDIC is required to fulfill. Federal Reserve Board Co-regulator with joint responsibility for reviewing resolution plans of large bank holding companies and jointly conducting IT examinations of third-party technology service providers. Office of the Comptroller of the Currency Co-regulator collaborating with the FDIC on safety and soundness supervision and joint IT examinations of third-party technology service providers. State Banking Agencies State regulatory partners with whom the FDIC conducts joint or alternating examinations of state-chartered non-member banks and savings institutions. General Public American consumers and households who rely on FDIC deposit insurance, financial education programs, and consumer protection oversight to participate safely in the banking system. The FDIC is a leader in promoting sound public policies; addressing risks in the nation's financial system; and carrying out deposit insurance, supervisory, consumer protection, resolution, and receivership management responsibilities. uuid-5b2e8d33-94c1-4e6f-ca02-1f3d4e5b6c7d To maintain stability and public confidence in the nation's financial system by insuring deposits, examining and supervising financial institutions for safety and soundness and consumer protection, and resolving failed financial institutions and managing receiverships. uuid-6c3f9e44-05d2-4f70-db13-2a4e5f6c7d8e Fairness Dedicate ourselves to treating others with dignity, respect, and impartiality, applying rules and policies uniformly and without favoritism. Accountability Operate in a financially responsible, operationally efficient, and timely manner, accountable to each other and to the public. Competence Maintain a highly skilled and dedicated workforce committed to achieving outstanding results, hiring and promoting on the basis of merit. Effectiveness Respond quickly and successfully to risks at insured depository institutions and in the financial system by relying on a highly capable workforce. Integrity Adhere to the highest ethical and professional standards while remaining public service-oriented, honest, and transparent with each other, the American public, and the financial system. Teamwork Coordinate, communicate, collaborate, and cooperate internally and externally to achieve common objectives for the betterment of one another, the American public, and the financial system. Deposit Protection Protect FDIC-insured deposits from loss without recourse to taxpayer funding by maintaining a sufficient Deposit Insurance Fund, conducting least-cost resolutions, and ensuring customers have timely access to insured deposits when institutions fail. 7f94339c-2bc6-4203-9262-d8425775fbf8 1 Goal1 ~ Deposit Protection: Deposit insurance is a fundamental component of the FDIC's role in maintaining stability and public confidence in the U.S. financial system. The FDIC prepares contingency plans, conducts large-scale simulations, employs DIF investment managers, and leverages analytical technologies to maintain readiness and adequacy of the DIF. Insured Access Provide customers of failed institutions timely access to insured deposits within one to two business days by developing, testing, and maintaining contingency plans for a wide range of failure scenarios, including large institution failures, simultaneous multiple failures, and failures of digitally-operated institutions. 46b4e154-171c-4739-9f47-879ff1e0076b 1.1 DIF Risk Response Proactively identify and promptly respond to risks to the DIF through risk-based assessment systems, strong examination and enforcement programs, off-site monitoring tools, detailed banking data collection and publication, and a comprehensive framework for continually assessing risks to the banking industry. ef19000d-05f0-4cd3-8b0d-05f0ffabef71 1.2 DIF Adequacy Maintain a strong and adequately funded DIF by investing fund assets prudently, monitoring and responding to changes in the reserve ratio, collecting risk-based premiums, and regularly analyzing growth trends, assessment bases, loss expectations, and interest income to inform premium rate decisions. b8f48eca-4bb4-4e4f-b333-370ac000b98c 1.3 Least-Cost Resolution Resolve failed IDIs in the manner least costly to the DIF by marketing failing institutions to qualified bidders, conducting least-cost test determinations, and selecting the resolution strategy that minimizes cost to the fund. 2d3f72b5-1193-48bc-90d9-80d0c44d0f12 1.4 Insurance Awareness Disseminate clear and accurate information to consumers and FDIC-insured institutions about federal deposit insurance coverage through a National Center for Consumer and Depositor Assistance, training programs, web-based educational resources, and a wide range of publications and videos. dd4db70a-878f-464a-b195-f0b6eedbca4f 1.5 Supervisory Modernization Modernize the FDIC's supervisory approach and promote safe and sound practices at FDIC-insured institutions through risk-focused examinations, updated regulations and policies, transparent technology oversight, consumer protection enforcement, and economic inclusion initiatives. 0d31f818-7c4d-4c07-aa75-3f52a820e455 2 Goal2 ~ Supervisory Modernization: The FDIC is both insurer and primary federal regulator for state non-member banks and state-chartered savings institutions. The FDIC has piloted examination modernization measures including a more risk-based and tailored approach, streamlined examination planning, and use of technology to further modernize the supervisory approach. Supervisory Framework Maintain an effective supervisory framework guided by regulations, policies, procedures, and examination resources that promotes public confidence and safeguards the DIF, conducting point-in-time and continuous examinations, collaborating with state banking regulators, and using formal and informal enforcement actions to address identified risks. c16c90ad-65de-41c7-b97c-f7877af368aa 2.1 Technology Oversight Implement a balanced, transparent approach to technology adoption and innovation at FDIC-supervised institutions, including oversight of fintech partnerships, digital assets and tokenization, and engagement to address growing technology costs for community banks. 333c468d-bb4d-40b4-84f4-b980e4eadc61 2.2 Consumer Compliance Examine and monitor FDIC-supervised institutions for compliance with federal consumer protection laws, including unfair and deceptive acts or practices, CRA, and fair lending laws, focusing supervisory activities on products, services, and practices with the highest potential risk for consumer harm. 149a6a07-a223-4a68-9b83-5f8143df0ee1 2.3 Consumer Information Promote consumer access to accurate and easily understood information about their rights and required disclosures under consumer protection and fair lending laws by coordinating investigation and response to consumer complaints, operating an online correspondence portal, and monitoring timeliness of responses. 6d26490b-1bda-4bef-8135-87be85bd7f48 2.4 Economic Inclusion Promote economic inclusion and access to responsible financial services for all Americans, including low- and moderate-income households, through the Get Banked initiative, Money Smart financial education program, biennial household banking surveys, and research to support sound supervisory and public policies. fbbee1b9-36a5-44c8-b4a6-bffd8166650e 2.5 LCFI Resolvability Work to ensure large, complex financial institutions are resolvable in an orderly manner by reviewing resolution plans, building operational readiness, conducting exercises and cross-border coordination, and executing resolutions in accordance with statutory mandates if necessary. 4efd0728-d4c6-4bc2-9b28-d87634461d88 3 Goal3 ~ LCFI Resolvability: Pursuant to Section 165(d) of the Dodd-Frank Act, the FDIC collaborates with the FRB to review resolution plans filed by large, complex financial institutions (LCFIs). The FDIC also reviews information submitted pursuant to 12 CFR 360.10 for banks with assets of $50 billion or more and builds operational readiness through advanced planning initiatives and cross-border coordination. Resolution Planning Work to ensure LCFIs are resolvable under the bankruptcy code or the FDI Act by jointly reviewing resolution plans filed by bank holding companies and designated nonbank financial companies, assessing credible plans for reorganization or liquidation, and reviewing IDI resolution plans under the FDIC's IDI Rule. 398cae0d-5154-490c-81f5-57fefb5f7d16 3.1 Orderly Resolution Execute LCFI resolutions in an orderly manner in accordance with statutory mandates by maintaining advance planning capabilities, developing operational resolution frameworks, refining firm-specific resolution plans, conducting exercises and facilitated discussions, and collaborating with key external and cross-border stakeholders. 06ca8b5d-24f1-45ed-bd1b-e3128970518f 3.2 Receivership Management Manage resolutions in an orderly, timely, and cost-effective way and maximize net return on receiverships by valuing, managing, and marketing assets of failed IDIs and pursuing meritorious professional liability recoveries. 31c4f0ef-9b76-42cf-bfc1-ca41c97c6467 4 Goal4 ~ Receivership Management: When an IDI fails, the FDIC is ordinarily appointed receiver, assuming responsibility for maximizing recoveries from asset disposition, resolving claims cost-effectively, and terminating receiverships in an orderly and expeditious manner once all obligations, claims, and legal impediments are resolved. Asset Disposition Value, manage, and market assets of failed IDIs and their subsidiaries in a timely manner to maximize net return by developing virtual data rooms and asset valuation reviews, soliciting bidders, selling assets at or shortly after closing, and marketing remaining assets within 120 days unless an alternative disposition strategy is identified. a8c666b5-6255-45bf-9b27-1743b6de21ea 4.1 Professional Recovery Investigate potential recoveries, including professional liability claims, and pursue meritorious and cost-effective recoveries by deploying attorneys and investigators to identify and evaluate claims arising from IDI failures, maximizing receivership recoveries, and holding accountable directors, officers, and professionals who cause losses to IDIs. 664d27e0-6f86-4bf4-aa40-c75db210303d 4.2 Workforce Excellence Foster a thriving, high-performing workforce that serves as responsible stewards of the Deposit Insurance Fund by maintaining a streamlined organizational structure, implementing IT modernization, and cultivating a strong workplace culture built on trust and accountability. a82a0405-c409-4cbd-9862-0d062ebbd11c 5 Goal5 ~ Workforce Excellence: In 2025, the FDIC implemented its Workforce Optimization Initiative to streamline organizational structure and refocus on core Congressional mandates. The FDIC is also pursuing a multi-year IT Modernization Program transitioning information systems and data to modern cloud platforms, automating manual processes, and adopting AI to optimize program and operational efficiency. Organizational Structure Maintain a streamlined organizational structure that allows the agency to efficiently accomplish its mission by continuously monitoring and assessing organizational design, implementing succession management programs, and pursuing examiner retention initiatives including locality pay, new advancement opportunities, and updated assessment tools. 71cf6029-5f0b-4113-8c82-214c4c73d2ec 5.1 IT Modernization Implement an innovative technology program to enable the FDIC to execute its mission more efficiently and securely by migrating systems to modern cloud platforms, implementing Zero Trust Architecture, expanding the Citizen Development Program, building enterprise data and analytics capabilities, and developing workforce skills in cloud architecture, agile delivery, AI, and strategic data management. 20f49774-1d15-4390-8290-ddf99f060367 5.2 Workforce Culture Cultivate a strong workforce culture built on trust by reviewing conduct and performance policies, conducting thorough and fair investigations into allegations of harassment, discrimination, and retaliation, establishing online anonymous reporting systems, developing case management tracking, and training employees and managers on the Code of Conduct and related directives. c5a69fc9-f507-4063-b8e4-6e3bd081a00c 5.3 2026-01-01 2030-12-31 2026-04-27 https://www.fdic.gov/strategic-plans/fdic-2026-2030-strategic-plan.pdf Owen Ambur Owen.Ambur@verizon.net