National Supervisory Authority & Licensing Qualification Dossier • Asia-Pacific
Federal Deposit Insurance Corporation (U.S.)
Global JurisdictionSource / Native Reference: 联邦存款保险公司
- Supervisory tier
- Tier-2
- License classes
- 2
- Licensed records
- 33
- Active / regulated
- 33
Statutory Supervisory Mandate & Scope
Federal Deposit Insurance Corporation (U.S.) (Federal Deposit Insurance Corporation (U.S.)) exercises statutory authority over commercial banks, deposit-taking institutions, foreign exchange dealers, and payment service providers in Global Jurisdiction.
Prudential Tier Assessment
Tier-2Tier-2 sovereign central bank and macroprudential banking supervisor for Global Jurisdiction, enforcing Basel III capital adequacy and national payment system integrity.
National licensing qualifications & statutory authorisation classes (Federal Deposit Insurance Corporation (U.S.))
Authorisation categories, permitted institutional and retail activities, minimum initial capital adequacy, and ongoing prudential solvency rules enforced by Federal Deposit Insurance Corporation (U.S.) in Global Jurisdiction.
| License class / code | Official designation | Permitted institutional & retail activities | Minimum initial / base capital | Ongoing prudential & solvency rule |
|---|---|---|---|---|
| Class A / Commercial Banking Charter | Full Commercial & Institutional Banking Licence | Deposit-taking, commercial lending, interbank FX market-making, trade finance, and institutional custody. | USD $5,000,000 – $15,000,000 equivalent statutory paid-up banking capital | Minimum Basel III Total Capital Ratio ≥ 10.5%–12.5%, CET1 ≥ 7.0%, LCR ≥ 100%, and NSFR ≥ 100%. |
| EMI / Payment & FX Institution Licence | Authorised Payment Institution / Electronic Money & FX Remittance Licence | Cross-border remittance, electronic money issuance, merchant payment acquiring, and deliverable spot FX conversion. | USD $150,000 – $500,000 equivalent paid-up capital plus statutory central bank security deposit. | 100% daily safeguarding of customer float in segregated commercial bank trust accounts. |
Investor compensation, client money segregation & digital-asset regime
Statutory counterparty protections, custody reconciliation mandates, and virtual-asset licensing status under Federal Deposit Insurance Corporation (U.S.).
Statutory Deposit Insurance & Bank Resolution Scheme (Global Jurisdiction)
- Maximum coverage per client
- Protected up to statutory national deposit insurance ceiling per banking depositor
- Eligible counterparties & scope
- Retail depositors and eligible corporate deposit accounts held at licensed credit institutions.
Federal Deposit Insurance Corporation (U.S.) Prudential Safeguarding & Custody Directives
- Reconciliation & audit cadence
- Daily reserve and Nostro/Vostro liquidity reconciliation; 100% ring-fencing of payment institution safeguarding accounts.
- Approved custodian requirements
- Central bank reserve accounts or ring-fenced statutory trust accounts at Tier-1 correspondent banks.
Federal Deposit Insurance Corporation (U.S.) Prudential Cryptoasset Exposure (BCBS SCO60) & CBDC / Stablecoin Oversight
- Travel Rule, custody & stablecoin rules
- Full FATF Recommendation 16 Wire Transfer & Virtual Asset Travel Rule compliance across supervised banking rails.
Primary Governing Statutes & Rulebooks
- Central Bank & Banking Supervision Act of Global Jurisdiction
- Basel III Capital Adequacy (CET1 / Tier 1 / Total Capital) & Liquidity (LCR / NSFR) Prudential Standards
- National Payment Systems & Foreign Exchange Control Regulations (Global Jurisdiction)
- FATF-Aligned Anti-Money Laundering & Counter-Terrorist Financing (AML/CFT) Banking Directives
Regulatory Reporting & Audit Obligations
Monthly/Quarterly Basel III COREP/FINREP prudential capital and liquidity returns to Federal Deposit Insurance Corporation (U.S.)Annual IFRS statutory financial audit by an approved central-bank-panel external audit firmReal-time large-exposure, foreign exchange position, and suspicious transaction reporting (STR)
Cross-Border Equivalence & Passporting
Requires Federal Deposit Insurance Corporation (U.S.) home-host supervisory college approval or local branch/representative office licensing for cross-border banking operations.
Supervised institutions & Federal Deposit Insurance Corporation (U.S.) licence records in our database
33 licence records referencing Federal Deposit Insurance Corporation (U.S.) (33 regulated/registered).
| Institution | Licence number | Status | Licensed legal entity | Effective date | Verification |
|---|---|---|---|---|---|
| FMBM | 9966 | Regulated | Farmers & Merchants Bank | 1908 | |
| The Bank of New York Mellon | Not supplied | Regulated | The Bank of New York Mellon | — | |
| American Express | 27471 | Regulated | American Express National Bank | 1989-03-20 | |
| BMO | Not supplied | Regulated | BMO Bank National Association | — | |
| BofA | Not supplied | Regulated | Bank of America, National Association | — | |
| Cathay Bank | 18503 | Regulated | Cathay Bank | — | |
| Citibank, N.A. | 7213 | Regulated | Citibank | 1934 | |
| Fifth Third Bank | 6672 | Regulated | Fifth Third Bank, National Association | 1934-01-01 | |
| KeyBank | 11510 | Regulated | KeyBank National Association | 1956-01-16 | |
| MS | 32992 | Regulated | Morgan Stanley Bank, National Association | 1990-05-25 | |
| U.S. Bank | 6548 | Regulated | U.S. Bank National Association | 1934-01-01 | |
| Wells Fargo | 1 | Regulated | Wells Fargo Bank, National Association | — | |
| Wells Fargo | 3511 | Regulated | Wells Fargo Bank, National Association | 1934-01-01 | |
| Texas Security Bank | 58393 | Regulated | Texas Security Bank | 2008 | |
| Ally Financial | 57803 | Regulated | Ally Bank | 2004-08-02 | |
| Ameriprise Financial | 58303 | Regulated | Ameriprise Bank, FSB | 2006-09-14 | |
| East West Bank | 31628 | Regulated | East West Bank | — | |
| FGB | 14028 | Regulated | First Guaranty Bank | 1934-12-03 | |
| IDB Bank | 19977 | Regulated | Israel Discount Bank of New York | 1969-07-01 | |
| JPMorgan Chase & Co | 628 | Regulated | JPMorgan Chase Bank, National Association | — | |
| Landmark Bank | 5826 | Regulated | Landmark National Bank | 1934 | |
| Popular Bank | 34967 | Regulated | Popular Bank | 1999-01-02 | |
| State Street | 6 | Regulated | State Street Bank and Trust Company | 1934-01-01 | |
| SVB | 11063 | Regulated | First-Citizens Bank & Trust Company | 1934-01-01 | |
| ALMA BANK | 451431 | Regulated | Alma Bank | 2007-09-12 | |
| SHINHAN BANK | 33188 | Regulated | Shinhan Bank America | 1990-10-18 | |
| American Savings Bank | 45360 | Regulated | American Savings Bank, FSB | 1989-08-09 | |
| CCBank | 33823 | Regulated | Capital Community Bank | 1993-07-29 | |
| Freedom Bank of Virginia | 57184 | Regulated | The Freedom Bank of Virginia | 2001-07-23 | |
| Bankers' Bank | 23537 | Regulated | Bankers' Bank | 09/01/1981 | |
| INB Bank | 28820 | Regulated | Inland Northwest Bank | 1989-10-23 | |
| BCB Bank | 35541 | Regulated | BCB Community Bank | 11/01/2000 | |
| North Shore Bank | 28679 | Regulated | North Shore Bank | — |
Federal Deposit Insurance Corporation (U.S.) (Global Jurisdiction): institutional licensing & due diligence FAQ
Key statutory capital, compensation, custody segregation, and verification answers for compliance teams.
What are the primary licensing classes and minimum capital requirements under Federal Deposit Insurance Corporation (U.S.) (Global Jurisdiction)?
Federal Deposit Insurance Corporation (U.S.) (Federal Deposit Insurance Corporation (U.S.)) supervises financial institutions in Global Jurisdiction under Central Bank & Banking Supervision Act of Global Jurisdiction and Basel III Capital Adequacy (CET1 / Tier 1 / Total Capital) & Liquidity (LCR / NSFR) Prudential Standards. Key statutory authorisation classes include: Class A / Commercial Banking Charter (Full Commercial & Institutional Banking Licence — min. capital: USD $5,000,000 – $15,000,000 equivalent statutory paid-up banking capital); EMI / Payment & FX Institution Licence (Authorised Payment Institution / Electronic Money & FX Remittance Licence — min. capital: USD $150,000 – $500,000 equivalent paid-up capital plus statutory central bank security deposit.). Ongoing prudential supervision requires strict adherence to capital adequacy and liquidity buffers.
Does Federal Deposit Insurance Corporation (U.S.) provide statutory investor compensation and mandatory client asset segregation?
Under Federal Deposit Insurance Corporation (U.S.)'s framework, investor protection is governed by Statutory Deposit Insurance & Bank Resolution Scheme (Global Jurisdiction) with maximum coverage of Protected up to statutory national deposit insurance ceiling per banking depositor (Retail depositors and eligible corporate deposit accounts held at licensed credit institutions.). For client money and custody assets, supervised firms must comply with Federal Deposit Insurance Corporation (U.S.) Prudential Safeguarding & Custody Directives, performing daily reserve and nostro/vostro liquidity reconciliation; 100% ring-fencing of payment institution safeguarding accounts. with central bank reserve accounts or ring-fenced statutory trust accounts at tier-1 correspondent banks..
How does Federal Deposit Insurance Corporation (U.S.) regulate digital assets, crypto exchanges (VASPs/CASPs), and stablecoins?
Federal Deposit Insurance Corporation (U.S.)'s digital-asset regime is structured around Federal Deposit Insurance Corporation (U.S.) Prudential Cryptoasset Exposure (BCBS SCO60) & CBDC / Stablecoin Oversight (Regulates bank custody, payment settlement rails, fiat-backed stablecoin reserve backing, and Basel SCO60 capital weights.). Custody and AML/CFT compliance obligations require: Full FATF Recommendation 16 Wire Transfer & Virtual Asset Travel Rule compliance across supervised banking rails.
How can I verify an institution's Federal Deposit Insurance Corporation (U.S.) licence number and check our 33 recorded licence entries?
Our database currently tracks 33 licence records referencing Federal Deposit Insurance Corporation (U.S.) (33 marked regulated or registered). To verify a counterparty at the primary source, open Federal Deposit Insurance Corporation (U.S.)'s official public register (https://www.fdic.gov/), search by the exact reference number and legal entity name, and confirm that the firm's domain and permitted activities match its statutory authorisation.
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Statutory licensing classes, base capital rules, and investor protection summaries for Federal Deposit Insurance Corporation (U.S.) (Global Jurisdiction) are maintained for institutional benchmarking and do not constitute legal advice. Always verify current rulebooks and active firm authorisations directly on Federal Deposit Insurance Corporation (U.S.)’s official public register.