120 STAT. 1976
and at each station or window where deposits are normally received, its principal place of business and all its branches where it accepts deposits or opens accounts (excluding automated teller machines or point of sale terminals), and on its main Internet page, a notice that the institution is not federally insured. ‘‘(B) EXCEPTIONS.—The following need not include a notice that the institution is not federally insured: ‘‘(i) Any sign, document, or other item that contains the name of the depository institution, its logo, or its contact information, but only if the sign, document, or item does not include any information about the institution’s products or services or information otherwise promoting the institution. ‘‘(ii) Small utilitarian items that do not mention deposit products or insurance if inclusion of the notice would be impractical.’’. (d) AMENDMENTS RELATING TO ACKNOWLEDGMENT OF DISCLOSURE.—Section 43(b)(3) of the Federal Deposit Insurance Act (12 U.S.C. 1831t(b)(3)) is amended to read as follows: ‘‘(3) ACKNOWLEDGMENT OF DISCLOSURE.— ‘‘(A) NEW DEPOSITORS OBTAINED OTHER THAN THROUGH A CONVERSION OR MERGER.—With respect to any depositor who was not a depositor at the depository institution before the effective date of the Financial Services Regulatory Relief Act of 2006, and who is not a depositor as described in subparagraph (B), receive any deposit for the account of such depositor only if the depositor has signed a written acknowledgement that— ‘‘(i) the institution is not federally insured; and ‘‘(ii) if the institution fails, the Federal Government does not guarantee that the depositor will get back the depositor’s money. ‘‘(B) NEW DEPOSITORS OBTAINED THROUGH A CONVERSION OR MERGER.—With respect to a depositor at a federally insured depository institution that converts to, or merges into, a depository institution lacking federal insurance after the effective date of the Financial Services Regulatory Relief Act of 2006, receive any deposit for the account of such depositor only if— ‘‘(i) the depositor has signed a written acknowledgement described in subparagraph (A); or ‘‘(ii) the institution makes an attempt, as described in subparagraph (D) and sent by mail no later than 45 days after the effective date of the conversion or merger, to obtain the acknowledgment. ‘‘(C) CURRENT DEPOSITORS.—Receive any deposit after the effective date of the Financial Services Regulatory Relief Act of 2006 for the account of any depositor who was a depositor on that date only if— ‘‘(i) the depositor has signed a written acknowledgement described in subparagraph (A); or ‘‘(ii) the institution has complied with the provisions of subparagraph (E) which are applicable as of the date of the deposit.
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