Shutdown Guidance for Financial Institutions Act

Requires federal financial regulators to publish guidance to banks and other financial institutions to help consumers and businesses that are hurt by a federal government shutdown. The regulators must issue the guidance within 180 days of enactment, release a public statement within 24 hours after a shutdown begins, report to Congress within 90 days after the shutdown ends, and update the guidance within 180 days after that report if the report finds problems.

The required guidance must lay out concrete steps financial institutions should take to assist affected customers and firms (for example, operational continuity, clear communications, and customer accommodations). The law sets timelines for publication, emergency messaging, congressional reporting, and post-shutdown updates, but does not appropriate new funds.