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BOARD MEETING | APRIL 7, 2026 FDIC Board of Directors Meeting Today, the Federal Deposit Insurance Corporation's Board of Directors met in open session to consider the following matters. Materials and information relative to the open Board actions are available on the Board Matters webpage . Items Addressed in Open Session: Notice of Proposed Rulemaking: GENIUS Act Requirements and Standards for FDIC-Supervised Permitted Payment Stablecoin Issuers and Insured Depository Institution Statement by Chairman Travis Hill Press Release Financial Institution Letter Notice of Proposed Rulemaking: Anti-Money Laundering and Countering the Financing of Terrorism Programs Statement by Chairman Travis Hill Press Release Financial Institution Letter Final Rule: Prohibition on Use of Reputation Risk by Regulators Statement by Chairman Travis Hill Press Release Financial Institution Letter A recording of the full webcast of the open session is available. Board Materials The FDIC does not send unsolicited email. If this publication has reached you in error, or if you no longer wish to receive this service, please unsubscribe . CONNECT WITH US

SUNSHINE ACT MEETING NOTICE The FDIC Board of Directors will meet in an open session: Date and Time: Tuesday, April 7, 2026 | 1:00 p.m. ET Place: The Board meeting will be open to public observation by webcast . Members of the media should contact the Office of Communications by Monday, April 6, at MediaRequests@FDIC.gov to attend in person from FDIC Headquarters, 550 17th Street, NW, Washington, DC. Read Notice & Agenda The FDIC does not send unsolicited email. If this publication has reached you in error, or if you no longer wish to receive this service, please unsubscribe . CONNECT WITH US

PRESS RELEASE | APRIL 3, 2026 FDIC Issues List of Banks Examined for CRA Compliance WASHINGTON - The Federal Deposit Insurance Corporation (FDIC) today issued its list of state nonmember banks recently evaluated for compliance with the Community Reinvestment Act (CRA). The list covers evaluation ratings that the FDIC assigned to institutions in January 2026. The CRA is a 1977 law that requires the FDIC to assess a bank’s record of meeting the credit needs of its entire community, including those of low- and moderate-income neighborhoods, consistent with safe and sound operations. As part of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA), Congress mandated the public disclosure of an evaluation and rating for each bank or thrift that undergoes a CRA examination on or after July 1, 1990. You may obtain a consolidated list of all state nonmember banks whose evaluations have been made publicly available since July 1, 1990, including the rating for each bank, or obtain a hard copy from FDIC's Public Information Center, 3501 Fairfax Drive, Room E-1002, Arlington, VA 22226 (877-275-3342 or 703-562-2200). A copy of an individual bank's CRA evaluation is available directly from the bank, which is required by law to make the material available upon request, or from the FDIC's Public Information Center. ATTACHMENTS: April 2026 List of Banks Examined for CRA Compliance Monthly List of Banks Examined for CRA Compliance # # # MEDIA CONTACT: MediaRequests@fdic.gov The FDIC does not send unsolicited email. If this publication has reached you in error, or if you no longer wish to receive this service, please unsubscribe . CONNECT WITH US

FINANCIAL INSTITUTION LETTER | MARCH 31, 2026 FDIC Consumer Compliance Supervisory Highlights Summary: The FDIC’s Consumer Compliance Supervisory Highlights is an annual publication. Its purpose is to enhance transparency regarding the FDIC’s consumer compliance supervisory activities and provide a high-level overview of consumer compliance issues identified in 2025 through the FDIC’s supervision of state non-member banks and thrifts. Statement of Applicability: This Financial Institution Letter (FIL) applies to all FDIC-supervised financial institutions. Distribution: FDIC-Supervised Institutions Read the FIL The FDIC does not send unsolicited email. If this publication has reached you in error, or if you no longer wish to receive this service, please unsubscribe . CONNECT WITH US

PRESS RELEASE | MARCH 27, 2026 FDIC Publishes Enforcement Orders for February 2026 WASHINGTON - The Federal Deposit Insurance Corporation (FDIC) today published a list of orders of administrative enforcement actions taken against banks and individuals in February 2026. There are no administrative hearings scheduled for April 2026. Notice of Intention to Prohibit from Further Participation: Truist Bank, Charlotte, North Carolina Order of Prohibition from Further Participation: Truist Bank, Charlotte, North Carolina Amended and Restated Consent Order: Union County Savings Bank, Elizabeth, New Jersey Orders Terminating Orders Relating to Section 19 of the FDI Act (Section 19): Six Orders Terminating Orders Issued Pursuant to Section 19 (Multiple Docket Nos.) February 2026 Enforcement Decisions and Orders # # # MEDIA CONTACT: MediaRequests@fdic.gov The FDIC does not send unsolicited email. If this publication has reached you in error, or if you no longer wish to receive this service, please unsubscribe . CONNECT WITH US

TESTIMONY | MARCH 26, 2026 Remarks by FDIC Director of Risk Management Supervision Ryan Billingsley, "Innovation at the Speed of Markets: How Regulators Keep Pace with Technology" The following statement was delivered before the Subcommittee on Digital Assets, Financial Technology and Artificial Intelligence of the U.S. House Committee on Financial Services. Introduction Chairman Steil, Ranking Member Lynch, and Members of the Subcommittee, I am pleased to appear before you at today’s hearing to examine how federal bank regulators are keeping pace with technology and innovation. My name is Ryan Billingsley, and I lead the Division of Risk Management Supervision at the Federal Deposit Insurance Corporation (FDIC). Read Director Billingsley's Full Remarks The FDIC does not send unsolicited email. If this publication has reached you in error, or if you no longer wish to receive this service, please unsubscribe . CONNECT WITH US

BOARD MEETING | MARCH 19, 2026 FDIC Board of Directors Meeting Today, the Federal Deposit Insurance Corporation's Board of Directors met in open session to consider the following matters. Materials and information relative to the open Board actions are available on the Board Matters webpage . Items Addressed in Open Session: Notice of Proposed Rulemaking: Regulatory Capital Rule: Category I and II Banking Organizations, Banking Organizations with Significant Trading Activity, and Optional Adoption for Other Banking Organizations Statement by Chairman Travis Hill Press Release Financial Institution Letter Notice of Proposed Rulemaking: Regulatory Capital Rules: Regulatory Capital and Standardized Approach for Risk-weighted Assets Statement by Chairman Travis Hill Press Release Financial Institution Letter Final Rule: Clarification of Deposit Insurance Coverage for Branches of U.S. Banks in the Federated States of Micronesia, the Marshall Islands, and Palau Rescission of Statement of Policy on Qualifications for Failed Bank Acquisitions Press Release Financial Institution Letter A recording of the full webcast of the open session is available. Board Materials The FDIC does not send unsolicited email. If this publication has reached you in error, or if you no longer wish to receive this service, please unsubscribe . CONNECT WITH US

SUNSHINE ACT MEETING NOTICE The FDIC Board of Directors will meet in an open session: Date and Time: Thursday, March 19, 2026 | 10:00 a.m. ET Place: The Board meeting will be open to public observation by webcast . Members of the media should contact the Office of Communications by Wednesday, March 18, at MediaRequests@FDIC.gov to attend in person from FDIC Headquarters, 550 17th Street, NW, Washington, DC. Read Notice & Agenda The FDIC does not send unsolicited email. If this publication has reached you in error, or if you no longer wish to receive this service, please unsubscribe . CONNECT WITH US

SPEECH | MARCH 11, 2026 Remarks by FDIC Chairman Travis Hill: An Update on Reforms to the Regulatory Toolkit The following speech was delivered before the American Bankers Association's Washington Summit. Introduction It’s great to join the ABA again for its Washington Summit. Since last January, we have been working hard to reform our supervisory and regulatory approach to bolster economic growth, foster innovation, and promote stability in the banking sector. Today, I’d like to provide you with updates on a few of our key areas of focus. Read Chairman Hill's Full Remarks The FDIC does not send unsolicited email. If this publication has reached you in error, or if you no longer wish to receive this service, please unsubscribe . CONNECT WITH US

PRESS RELEASE | MARCH 5, 2026 Agencies Clarify the Capital Treatment of Tokenized Securities WASHINGTON – The federal bank regulatory agencies today jointly issued answers to frequently asked questions to clarify the capital treatment of tokenized securities. A security is often referred to as “tokenized” when ownership rights in the security are represented using distributed ledger technology. The answers to the frequently asked questions clarify that an eligible tokenized security should generally receive the same capital treatment as the non-tokenized form of the security under the capital rule. The agencies also clarified that the capital rule is technology neutral, and the technologies used to issue and transact in a security do not generally impact its capital treatment. As with any exposure, banks holding tokenized securities must apply sound risk management practices and comply with applicable laws and regulations. ATTACHMENT: Frequently Asked Questions # # # MEDIA CONTACTS: Federal Deposit Insurance Corporation Brian Sullivan (202) 412-1436 Federal Reserve Board Meg Badenhorst (202) 452-2955 Office of the Comptroller of the Currency Stephanie Collins (202) 649-6870 The FDIC does not send unsolicited email. If this publication has reached you in error, or if you no longer wish to receive this service, please unsubscribe . CONNECT WITH US

PRESS RELEASE | MARCH 5, 2026 FDIC Issues List of Banks Examined for CRA Compliance WASHINGTON - The Federal Deposit Insurance Corporation (FDIC) today issued its list of state nonmember banks recently evaluated for compliance with the Community Reinvestment Act (CRA). The list covers evaluation ratings that the FDIC assigned to institutions in December 2025. The CRA is a 1977 law that requires the FDIC to assess a bank’s record of meeting the credit needs of its entire community, including those of low- and moderate-income neighborhoods, consistent with safe and sound operations. As part of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA), Congress mandated the public disclosure of an evaluation and rating for each bank or thrift that undergoes a CRA examination on or after July 1, 1990. You may obtain a consolidated list of all state nonmember banks whose evaluations have been made publicly available since July 1, 1990, including the rating for each bank, or obtain a hard copy from FDIC's Public Information Center, 3501 Fairfax Drive, Room E-1002, Arlington, VA 22226 (877-275-3342 or 703-562-2200). A copy of an individual bank's CRA evaluation is available directly from the bank, which is required by law to make the material available upon request, or from the FDIC's Public Information Center. ATTACHMENTS: March 2026 List of Banks Examined for CRA Compliance Monthly List of Banks Examined for CRA Compliance # # # MEDIA CONTACT: MediaRequests@fdic.gov The FDIC does not send unsolicited email. If this publication has reached you in error, or if you no longer wish to receive this service, please unsubscribe . CONNECT WITH US

PRESS RELEASE | FEBRUARY 27, 2026 FDIC Approves the Deposit Insurance Application for Edward Jones Bank, Salt Lake City, Utah WASHINGTON – The Board of Directors of the Federal Deposit Insurance Corporation (FDIC) today announced the approval of a deposit insurance application submitted by the Jones Financial Companies, L.L.L.P. to establish Edward Jones Bank, which will be a Utah-chartered industrial bank. Applications for deposit insurance are evaluated under a statutory framework of seven factors that include: the financial history and condition of the institution; the adequacy of the institution’s capital structure; the future earnings prospects of the institution; the general character and fitness of the management of the institution; the risk presented by the institution to the Deposit Insurance Fund; the convenience and needs of the community to be served by the institution; and whether the institution’s corporate powers are consistent with the purposes of the Federal Deposit Insurance Act. Edward Jones Bank’s proposed business model will focus on providing securities-based loans nationwide funded by sweep deposits from existing clients of Edward D. Jones & Co., L.P., a subsidiary of the Jones Financial Companies. FDIC staff found that Edward Jones Bank satisfied the statutory factors for approval, subject to certain conditions and written agreements. Among other conditions, Edward Jones Bank will be required to maintain a minimum nine percent tier 1 leverage ratio. In addition, the Jones Financial Companies and two of its subsidiaries will be required to support the bank’s capital and liquidity positions. The FDIC approval order expires if Edward Jones Bank is not established within 12 months, unless extended by the FDIC. ATTACHMENT: Edward Jones Bank Order and Statement # # # MEDIA CONTACT: MediaRequests@fdic.gov The FDIC does not send unsolicited email. If this publication has reached you in error, or if you no longer wish to receive this service, please unsubscribe . CONNECT WITH US

PRESS RELEASE | FEBRUARY 27, 2026 FDIC Issues CRA Examination Schedules for Second Quarter 2026 and Third Quarter 2026 WASHINGTON - The Federal Deposit Insurance Corporation (FDIC) today issued the lists of institutions scheduled for a Community Reinvestment Act (CRA) examination during the second quarter 2026 and third quarter 2026. CRA regulations require each federal bank and thrift regulator to publish its quarterly CRA examination schedule at least 30 days before the beginning of each quarter. The CRA is a 1977 law that requires the FDIC to assess a bank’s record of meeting the credit needs of its entire community, including low- and moderate-income neighborhoods, consistent with safe and sound operations. CRA examinations allow federal regulators to assess an institution's record of helping to meet those needs. CRA examinations are scheduled based on an institution’s asset size and CRA rating. Absent reasonable cause, an institution with $250 million or less in assets and a CRA rating of Satisfactory can be subject to a CRA examination no more frequently than once every 48 months. Absent reasonable cause, an institution with $250 million or less in assets and a CRA rating of Outstanding can be subject to a CRA examination no more frequently than once every 60 months. The schedules of institutions to be examined April 1, 2026, through June 30, 2026, and July 1, 2026, through September 30, 2026, are based on the best information now available and are subject to change. For example, a regulated financial institution not otherwise scheduled for an examination may be examined in connection with the application for a deposit facility. Alternatively, some institutions may require more time and resources than originally allotted, thus delaying other scheduled examinations. If an institution is rescheduled for a different quarter, that information will be included on a later list. Federal bank and thrift regulators encourage public comment on the institutions to be examined under the CRA. Comments about FDIC-supervised institutions should be directed to the institutions themselves or to the Deputy Regional Director of the appropriate FDIC regional office (attached). All public comments received prior to completion of a CRA examination will be considered. The CRA examination schedules for the second quarter of 2026 and third quarter of 2026 are attached. Schedules also can be obtained by calling (703) 562-2200 or (877) 275-3342, faxing a request to (703) 562-2296, or writing to: FDIC Public Information Center 3501 Fairfax Drive Room E-1002 Arlington, VA 22226 ATTACHMENTS: CRA Exam Schedule Listings for Second Quarter 2026 and Third Quarter 2026 FDIC CRA Regional Office Contacts # # # MEDIA CONTACT: MediaRequests@fdic.gov The FDIC does not send unsolicited email. If this publication has reached you in error, or if you no longer wish to receive this service, please unsubscribe . CONNECT WITH US

PRESS RELEASE | FEBRUARY 27, 2026 FDIC Publishes Enforcement Orders for January 2026 WASHINGTON - The Federal Deposit Insurance Corporation (FDIC) today published a list of orders of administrative enforcement actions taken against banks and individuals in January 2026. There are no administrative hearings scheduled for March 2026. Consent Orders Community Bank & Trust West Georgia, LaGrange, Georgia MutualOne Bank, Framingham, Massachusetts Orders Terminating Consent Order: Independence Bank, East Greenwich, Rhode Island Hatch Bank, San Marcos, California Orders of Prohibition from Further Participation: The Fountain Trust Company, Covington, Indiana (2 orders) Orders to Pay: Farmers State Bank of Alto Pass, Alto Pass, Illinois SouthernTrust Bank, Marion, Illinois January 2026 Enforcement Decisions and Orders # # # MEDIA CONTACT: MediaRequests@fdic.gov The FDIC does not send unsolicited email. If this publication has reached you in error, or if you no longer wish to receive this service, please unsubscribe . CONNECT WITH US

PRESS RELEASE | FEBRUARY 24, 2026 FDIC-Insured Institutions Reported Return on Assets of 1.24 Percent and Net Income of $77.7 Billion in Fourth Quarter 2025 WASHINGTON — The Federal Deposit Insurance Corporation (FDIC) today released the results of its latest Quarterly Banking Profile , a comprehensive summary of financial results based on reports from 4,336 insured commercial banks and savings institutions. In fourth quarter 2025, FDIC-insured institutions reported a return on assets (ROA) ratio of 1.24 percent and aggregate net income of $77.7 billion, a decrease of $1.6 billion (2.0 percent) from the prior quarter. For the full year, FDIC-supervised institutions reported net income of $295.6 billion, a 10.2 percent increase from 2024. The banking industry continued to maintain strong capital and liquidity levels, which support lending and protect against potential losses. Other key findings of the FDIC’s Quarterly Banking Profile include: The net interest margin rose from the previous quarter to 3.39 percent, driven by a 2.2 percent increase in net interest income. Net income among community banks decreased 3.8 percent from the prior quarter. Loan growth accelerated to 2.0 percent from the prior quarter, and annual growth increased to 5.9 percent. Domestic deposits grew 1.8 percent, the sixth consecutive quarterly increase. Asset quality metrics remained generally favorable, though some commercial real estate and consumer portfolios have elevated delinquency rates. The Deposit Insurance Fund Reserve Ratio increased 2 basis points to 1.42 percent. For more information, read the FDIC’s statement with accompanying charts . Additional charts and data are available for download. # # # MEDIA CONTACT: MediaRequests@fdic.gov The FDIC does not send unsolicited email. If this publication has reached you in error, or if you no longer wish to receive this service, please unsubscribe . CONNECT WITH US

PRESS RELEASE | FEBRUARY 12, 2026 FDIC Releases Economic Scenarios for 2026 Stress Testing WASHINGTON – The Federal Deposit Insurance Corporation (FDIC) today released the hypothetical economic scenarios for use in the upcoming stress tests for covered institutions with total consolidated assets of more than $250 billion. The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 requires certain financial companies, including certain state nonmember banks and state savings associations, to conduct stress tests. In 2018, Congress increased the size of what is considered a covered institution from $10 billion to $250 billion. The supervisory scenarios include baseline and severely adverse scenarios. The baseline scenario is in line with a survey of private sector economic forecasters. The severely adverse scenario is not a forecast, rather, it is a hypothetical scenario designed to assess the strength and resilience of financial institutions. Each scenario includes 28 variables—such as gross domestic product, the unemployment rate, stock market prices, and interest rates—covering domestic and international economic activity. The FDIC coordinated with the Board of Governors of the Federal Reserve System and the Office of the Comptroller of the Currency in developing and distributing these scenarios. ATTACHMENTS: Stress Test Scenarios # # # MEDIA CONTACT: MediaRequests@fdic.gov The FDIC does not send unsolicited email. If this publication has reached you in error, or if you no longer wish to receive this service, please unsubscribe . CONNECT WITH US

PRESS RELEASE | FEBRUARY 6, 2026 FDIC Extends Comment Period on Proposal to Establish GENIUS Act Application Procedures for FDIC-Supervised Institutions Seeking to Issue Payment Stablecoins WASHINGTON – The Federal Deposit Insurance Corporation (FDIC) today announced a 90-day extension to the comment period on the agency’s notice of proposed rulemaking (NPR) that would implement the application provisions under the Guiding and Establishing National Innovation for U.S. Stablecoins Act (GENIUS Act) for FDIC-supervised state nonmember banks and state savings associations seeking to issue payment stablecoins through a subsidiary. To provide additional time for the public to prepare comments to address the matters raised by the NPR, the FDIC is extending the comment period from February 17, 2026, to May 18, 2026. ### ATTACHMENTS: Federal Register Notice: Extension of Comment Period Through May 18, 2026 Notice of Proposed Rulemaking: Approval Requirements for Issuance of Payment Stablecoins by Subsidiaries of FDIC-Supervised Insured Depository Institution ### MEDIA CONTACT: MediaRequests@fdic.gov The FDIC does not send unsolicited email. If this publication has reached you in error, or if you no longer wish to receive this service, please unsubscribe . CONNECT WITH US

PRESS RELEASE | FEBRUARY 5, 2026 FDIC Issues List of Banks Examined for CRA Compliance WASHINGTON - The Federal Deposit Insurance Corporation (FDIC) today issued its list of state nonmember banks recently evaluated for compliance with the Community Reinvestment Act (CRA). The list covers evaluation ratings that the FDIC assigned to institutions in November 2025. The CRA is a 1977 law that requires the FDIC to assess a bank’s record of meeting the credit needs of its entire community, including those of low- and moderate-income neighborhoods, consistent with safe and sound operations. As part of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA), Congress mandated the public disclosure of an evaluation and rating for each bank or thrift that undergoes a CRA examination on or after July 1, 1990. You may obtain a consolidated list of all state nonmember banks whose evaluations have been made publicly available since July 1, 1990, including the rating for each bank, or obtain a hard copy from FDIC's Public Information Center, 3501 Fairfax Drive, Room E-1002, Arlington, VA 22226 (877-275-3342 or 703-562-2200). A copy of an individual bank's CRA evaluation is available directly from the bank, which is required by law to make the material available upon request, or from the FDIC's Public Information Center. ATTACHMENTS: February 2026 List of Banks Examined for CRA Compliance Monthly List of Banks Examined for CRA Compliance # # # MEDIA CONTACT: MediaRequests@fdic.gov The FDIC does not send unsolicited email. If this publication has reached you in error, or if you no longer wish to receive this service, please unsubscribe . CONNECT WITH US

PRESS RELEASE | JANUARY 30, 2026 First Independence Bank, Detroit, Michigan, Assumes All Deposits of Metropolitan Capital Bank & Trust, Chicago, Illinois WASHINGTON — Metropolitan Capital Bank & Trust was closed today by the Illinois Department of Financial and Professional Regulation, which appointed the Federal Deposit Insurance Corporation (FDIC) as receiver. The FDIC entered into a purchase and assumption agreement with First Independence Bank to assume substantially all deposits of Metropolitan Capital Bank & Trust. Metropolitan Capital Bank & Trust’s sole office will reopen as a branch of First Independence Bank during its normal business hours on Monday, February 2, 2026. Depositors of Metropolitan Capital Bank & Trust will automatically become depositors of First Independence Bank. The deposits assumed by First Independence Bank will continue to be insured by the FDIC, so there is no need for customers to change their banking relationship. Customers of Metropolitan Capital Bank & Trust will have immediate access to their deposits. Over the weekend, they can access their deposits by writing checks or using ATM or debit cards. Checks drawn on the bank will continue to be processed. Loan customers should continue to make their payments as usual. Customers with questions should contact the FDIC toll-free at 1-866-314-1744 or visit the FDIC’s website . This phone number will be operational this evening until 9:00 p.m., Central Time (CT); on Saturday from 9:00 a.m. to 6:00 p.m., CT; on Sunday from noon to 6:00 p.m., CT; Monday from 8:00 a.m. to 8:00 p.m., CT; and thereafter from 9:00 a.m. to 5:00 p.m., CT. As of September 30, 2025, Metropolitan Capital Bank & Trust reported total assets of $261.1 million and total deposits of $212.1 million. First Independence Bank agreed to assume substantially all deposits at the time of closing. It will also purchase approximately $251 million of the failed bank’s assets. The FDIC will retain the remaining assets for later disposition. The FDIC preliminarily estimates that the failure will cost its Deposit Insurance Fund (DIF) about $19.7 million. The estimate will change over time as retained assets are sold. Metropolitan Capital Bank & Trust is the first bank to fail in the nation this year. # # # MEDIA CONTACT: MediaRequests@fdic.gov The FDIC does not send unsolicited email. If this publication has reached you in error, or if you no longer wish to receive this service, please unsubscribe . CONNECT WITH US

PRESS RELEASE | JANUARY 30, 2026 FDIC Publishes Enforcement Orders for December 2025 WASHINGTON - The Federal Deposit Insurance Corporation (FDIC) today published a list of orders of administrative enforcement actions taken against banks and individuals in December 2025. There are no administrative hearings scheduled for February 2026. Orders Terminating Consent Orders: Luana Savings Bank, Luana, Iowa Thread Bank, Rogersville, Tennessee Orders of Termination of Insurance: 1st Bank Yuma, Yuma, Arizona First Community Bank of Cullman, Cullman, Alabama Winter Park National Bank, Winter Park, Florida December 2025 Enforcement Decisions and Orders # # # MEDIA CONTACT: MediaRequests@fdic.gov The FDIC does not send unsolicited email. If this publication has reached you in error, or if you no longer wish to receive this service, please unsubscribe . CONNECT WITH US

PRESS RELEASE | JANUARY 22, 2026 FDIC Approves the Deposit Insurance Applications for Ford Credit Bank, Salt Lake City, Utah, and GM Financial Bank, Salt Lake City, Utah WASHINGTON – The Board of Directors of the Federal Deposit Insurance Corporation (FDIC) today approved deposit insurance applications submitted by Ford Motor Company to establish Ford Credit Bank and General Motors Company to establish GM Financial Bank. Ford Credit Bank and GM Financial Bank will both be Utah-chartered industrial banks. Applications for deposit insurance are evaluated under a statutory framework of seven factors that include: the financial history and condition of the institution; the adequacy of the institution’s capital structure; the future earnings prospects of the institution; the general character and fitness of the management of the institution; the risk presented by the institution to the Deposit Insurance Fund; the convenience and needs of the community to be served by the institution; and whether the institution’s corporate powers are consistent with the purposes of the Federal Deposit Insurance Act. Ford Credit Bank’s proposed business model will focus on providing automotive financing products nationwide, primarily through the purchase of retail installment sales contracts from independent Ford dealers. Funding will primarily consist of retail savings accounts and time deposits obtained via the bank’s website and mobile application. FDIC staff found that Ford Credit Bank satisfied the statutory factors for approval, subject to certain conditions and written agreements. Among other conditions, Ford Credit Bank will be required to maintain a minimum 15 percent tier 1 leverage ratio, and Ford Motor Company will be required to support the bank’s capital and liquidity positions. GM Financial Bank’s proposed business model will focus on providing automotive financing products nationwide, primarily through the purchase of retail installment sales contracts from GMF. Funding will primarily consist of savings accounts and time deposits via the bank’s website and a mobile application. FDIC staff found that GM Financial Bank satisfied the statutory factors for approval, subject to certain conditions and written agreements. Among other conditions, GM Financial Bank will be required to maintain a minimum 15 percent tier 1 leverage ratio, and General Motors Company will be required to support the bank’s capital and liquidity positions. The FDIC approval orders expire if Ford Credit Bank and GM Financial Bank are not established within 12 months, unless extended by the FDIC. ATTACHMENTS: Deposit Insurance Approval Order Documents – Ford Credit Bank Deposit Insurance Approval Order Documents – GM Financial Bank # # # MEDIA CONTACT: MediaRequests@fdic.gov The FDIC does not send unsolicited email. If this publication has reached you in error, or if you no longer wish to receive this service, please unsubscribe . CONNECT WITH US

BOARD MEETING | JANUARY 22, 2026 FDIC Board of Directors Meeting Today, the Federal Deposit Insurance Corporation's Board of Directors met in open session to consider the following matters. Materials and information relative to the open Board actions are available on the Board Matters webpage . Items Addressed in Open Session: Amendments to the FDIC’s Guidelines for Appeals of Material Supervisory Determinations Press Release Statement by Chairman Hill Financial Institution Letter Final Rule on FDIC Official Signs and Advertising Requirements Press Release Financial Institution Letter A recording of the full webcast of the open session is available. Board Materials The FDIC does not send unsolicited email. If this publication has reached you in error, or if you no longer wish to receive this service, please unsubscribe . CONNECT WITH US

SUNSHINE ACT MEETING NOTICE The FDIC Board of Directors will meet in an open session: Date and Time: Thursday, January 22, 2026, at 10:00 a.m. ET Place: The Board meeting will be open to public observation by webcast . Members of the media should contact the Office of Communications by Tuesday, January 20, at MediaRequests@FDIC.gov to attend in person from FDIC Headquarters, 550 17th Street, NW, Washington, DC. Read Notice & Agenda The FDIC does not send unsolicited email. If this publication has reached you in error, or if you no longer wish to receive this service, please unsubscribe . CONNECT WITH US

PRESS RELEASE | JANUARY 13, 2026 Travis Hill Sworn in as the 23 rd Chairman of the FDIC WASHINGTON – Travis Hill was sworn in as the 23rd Chairman of the Federal Deposit Insurance Corporation (FDIC). Chairman Hill has served as Acting Chairman of the FDIC Board since January 20, 2025, and previously as Vice Chairman since January 5, 2023. Chairman Hill was nominated by President Trump on September 30, 2025, for a term of five years and confirmed by the Senate on December 18, 2025. Prior to joining the FDIC Board, Chairman Hill served in various roles at the FDIC; the United States Senate Committee on Banking, Housing, and Urban Affairs; and Regions Financial Corporation. He received a Bachelor of Science from Duke University, where he studied economics and political science, and a Juris Doctor from Georgetown University Law Center. # # # MEDIA CONTACT: MediaRequests@fdic.gov The FDIC does not send unsolicited email. If this publication has reached you in error, or if you no longer wish to receive this service, please unsubscribe . CONNECT WITH US