{"asOf":"2026-09-05","merchant":"SSDF INC","kind":"clerk","id":"fdic","title":"FDIC","kicker":"Deposit insurance + state nonmembers","body":"After Synapse, FDIC proposed daily reconciliation requirements for banks holding fintech custodial / FBO accounts. Confirm whether a given notice is a final rule, withdrawn NPR, or supervisory guidance before citing it as binding. The operational lesson is independent bank-side records of beneficial owners.","url":"https://www.fdic.gov/"}