Answer:
No for both. As long as you are not advertising a new deposit product the FDIC logo or "Member FDIC" or any other acceptable variation is not required. There is no requirement that your bank statement tell a customer that the current account is FDIC insured. You already did that. You must do this if you advertise a new product that is insured.
The Equal Housing Lender logo is required by most regulatory agencies when you advertise a housing related loan product. The OCC however, referred in their requirement to a HUD publication that required this. HUD edited that document and there is no longer a reference to the logo. The OCC never amended their side, so there is no requirement for a national bank to use the EHL logo. Displaying the EHL logo is still a best practice and I'd encourage national banks to use it in advertisements.
First published on BankersOnline.com 5/26/08
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