REGULATION · US
FDIC raises reciprocal deposit limits, expanding bank access to business cash reserves
The FDIC's interim final rule, effective September 1, substantially increases the reciprocal deposits that qualifying banks can hold, giving lenders more room to capture commercial customer operating cash.
WHY IT MATTERS
Banks now have regulatory breathing room to compete for higher-margin commercial liquidity; affects deposit modeling and NIM assumptions for mid-tier and regional banks seeking to grow wholesale funding.
Source: PYMNTS · 2026-09-04