Comptroller Gould Backs FDIC Proposals on Resolution Submissions Assessments and Confidential Supervisory Information Disclosure

Summary

Comptroller Gould on June 25, 2026, voted for three FDIC proposals: revising resolution-related submissions for insured depository institutions to narrow covered banks and reduce information requirements; revising the deposit insurance assessments framework including an optional downward resolution readiness adjustment; and allowing banks to disclose confidential supervisory information without agency approval when necessary for business purposes. Gould flagged concerns about digital asset information requirements and said the FDIC should rebuild resolution execution capabilities rather than perpetuate compliance exercises.

Market Impact

The assessments proposal introduces an optional downward resolution readiness adjustment that would directly lower deposit insurance assessment costs for banks that develop and maintain resolution capabilities, creating a financial incentive structure new to the assessment framework. The confidential supervisory information proposal would let banks share supervisory information for business purposes without prior FDIC approval, easing information flow in M&A due diligence, financing transactions, and vendor relationships that previously required case-by-case agency consent.

Why It Matters

The three proposals together mark a coordinated FDIC shift from compliance-driven resolution planning toward incentive-based readiness and greater supervisory transparency, and Gould's warning that digital asset information requirements might be used by a future Administration to chilling effect signals interagency awareness that data collection scope can function as de facto policy toward crypto-active banks.

Key Points

• Gould voted for the FDIC proposal revising resolution-related submissions for insured depository institutions over a certain asset size, which narrows the scope of covered banks and reduces information collection requirements.
• Gould encouraged comment on whether information requirements targeting digital asset activities are warranted or could be used by a future Administration to chilling effect.
• The deposit insurance assessments proposal includes revised thresholds and an optional downward resolution readiness adjustment that Gould called creative and worth investigating through notice and comment.
• The confidential supervisory information proposal would allow banks to disclose such information without agency approval when necessary or appropriate for business purposes.
• Gould said FDIC board focus and resources are better spent rebuilding resolution execution capabilities than perpetuating the compliance exercise known as resolution planning.

Key Entities

Evidence

I support the proposal to revise aspects of the deposit insurance assessments framework because I believe that the changes to the thresholds and resolution readiness adjustments are concepts worth investigating throug...

Supports: The assessments proposal: revised thresholds plus an optional downward resolution readiness adjustment

allowing banks to disclose this information without agency approval when necessary or appropriate for business purposes because it should allow banks to more effectively manage their operations.

Supports: The confidential supervisory information change: business-purpose disclosure without prior agency approval

including whether specific information requirements -- such as those targeting digital asset activities -- are warranted and whether they might be used by a future Administration to chilling effect or otherwise be unn...

Supports: Gould's digital asset concern: information requirements as potential chilling-effect policy tools