# 12 CFR § 328.1: Definitions

> Federal · Regulations · In force

URL: https://www.frixlaw.com/law-library/statutes/ecfr-12-328.1

## Section

- **Citation:** 12 CFR § 328.1
- **Heading:** Definitions
- **Jurisdiction:** Federal
- **Kind:** Regulations
- **Status:** In force
- **Text as of:** September 22, 2026
- **Source:** Publisher's official text
- **Location:** Title 12—Banks and Banking > CHAPTER III—FEDERAL DEPOSIT INSURANCE CORPORATION > SUBCHAPTER B—REGULATIONS AND STATEMENTS OF GENERAL POLICY > PART 328—FDIC OFFICIAL SIGNS, ADVERTISEMENT OF MEMBERSHIP, FALSE ADVERTISING, MISREPRESENTATION OF INSURED STATUS, AND MISUSE OF THE FDIC'S NAME OR LOGO > Subpart A—FDIC Official Signs and Advertisement of Membership

## Text

Branch has the same meaning as the term “domestic branch” as set forth under section 3(o) of the Federal Deposit Insurance Act, 12 U.S.C. 1813(o).
Corporation means the Federal Deposit Insurance Corporation.
Deposit has the same meaning as set forth under section 3(l) of the Federal Deposit Insurance Act, 12 U.S.C. 1813(l).
Digital deposit-taking channel means websites, banking applications, and any other electronic communications method through which an insured depository institution accepts deposits. Hybrid product means a product or service that has both deposit product features and non-deposit product features. A sweep account is an example of a hybrid product.
Insured depository institution has the same meaning as set forth under section 3(c)(2) of the Federal Deposit Insurance Act, 12 U.S.C. 1813(c)(2).
Non-deposit product means any product that is not a “deposit”, including, but not limited to: insurance products, annuities, mutual funds, securities and crypto-assets. For purposes of this definition, credit products and safe deposit boxes are not non-deposit products.

## Nearby sections

- [12 CFR § 328.0 § 328.0 Purpose.](https://www.frixlaw.com/law-library/statutes/ecfr-12-328.0.md)
- [12 CFR § 328.1 § 328.1 Definitions.](https://www.frixlaw.com/law-library/statutes/ecfr-12-328.1.md)
- [12 CFR § 328.2 § 328.2 Official sign.](https://www.frixlaw.com/law-library/statutes/ecfr-12-328.2.md)
- [12 CFR § 328.3 § 328.3 Signs within institution premises and offering of non-deposit products within institution premises.](https://www.frixlaw.com/law-library/statutes/ecfr-12-328.3.md)
- [12 CFR § 328.4 § 328.4 Signs for automated teller machines (ATMs) and like devices.](https://www.frixlaw.com/law-library/statutes/ecfr-12-328.4.md)
- [12 CFR § 328.5 § 328.5 Signs for digital deposit-taking channels.](https://www.frixlaw.com/law-library/statutes/ecfr-12-328.5.md)
- [12 CFR § 328.6 § 328.6 Official advertising statement requirements.](https://www.frixlaw.com/law-library/statutes/ecfr-12-328.6.md)
- [12 CFR § 328.7 § 328.7 Prohibition against receiving deposits at same teller station or window as noninsured institution.](https://www.frixlaw.com/law-library/statutes/ecfr-12-328.7.md)
- [12 CFR § 328.8 § 328.8 Policies and procedures.](https://www.frixlaw.com/law-library/statutes/ecfr-12-328.8.md)
- [12 CFR § 328.100 § 328.100 Scope.](https://www.frixlaw.com/law-library/statutes/ecfr-12-328.100.md)
- [12 CFR § 328.101 § 328.101 Definitions.](https://www.frixlaw.com/law-library/statutes/ecfr-12-328.101.md)
- [12 CFR § 328.102 § 328.102 Prohibition.](https://www.frixlaw.com/law-library/statutes/ecfr-12-328.102.md)
- [12 CFR § 328.103 § 328.103 Inquiries and complaints.](https://www.frixlaw.com/law-library/statutes/ecfr-12-328.103.md)
- [12 CFR § 328.104 § 328.104 Investigations of potential violations.](https://www.frixlaw.com/law-library/statutes/ecfr-12-328.104.md)

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/ecfr-12-328.1. Check the current official text before relying on it. Not legal advice.