12 CFR § 328.100 - Scope.
---
identifier: "/us/cfr/t12/s328.100"
source: "ecfr"
legal_status: "authoritative_unofficial"
title: "12 CFR § 328.100 - Scope."
title_number: 12
title_name: "Banks and Banking"
section_number: "328.100"
section_name: "Scope."
chapter_name: "FEDERAL DEPOSIT INSURANCE CORPORATION"
subchapter_number: "B"
subchapter_name: "REGULATIONS AND STATEMENTS OF GENERAL POLICY"
part_number: "328"
part_name: "FDIC OFFICIAL SIGNS, ADVERTISEMENT OF MEMBERSHIP, FALSE ADVERTISING, MISREPRESENTATION OF INSURED STATUS, AND MISUSE OF THE FDIC'S NAME OR LOGO"
positive_law: false
currency: "2026-04-05"
last_updated: "2026-04-05"
format_version: "1.1.0"
generator: "[email protected]"
authority: "12 U.S.C. 1818, 1819 (Tenth), 1820(c), 1828(a)."
regulatory_source: "71 FR 66102, Nov. 13, 2006, unless otherwise noted."
cfr_part: "328"
---
# 328.100 Scope.
This subpart applies to any person who:
(a) Falsely represents, expressly or by implication, that any deposit liability, obligation, certificate, or share is FDIC-insured by using the FDIC's name or logo;
(b) Knowingly misrepresents, expressly or by implication, that any deposit liability, obligation, certificate, or share is insured by the FDIC if such an item is not so insured;
(c) Knowingly misrepresents, expressly or by implication, the extent to which or the manner in which any deposit liability, obligation, certificate, or share is insured by the FDIC, if such an item is not insured to the extent or manner represented; or
(d) Aids or abets another in any of the foregoing listed in paragraphs (a) through (c) of this section.