The FDIC is planning to make cybersecurity a higher priority during bank exams as early as the second quarter of next year. Under the new program, cybersecurity will become its own separate issue in examination comments. "The new program includes enhancements to specifically address cybersecurity elements," said Mark Moylan, deputy director at the FDIC's office of risk management supervision. Regulators want to ensure that there is an understanding of "cyber risk as it overlays into business decisions that you make at the board level," Moylan said. Moylan also warned that if an institution has a cyber-breach "it will not be a capital event; it will be an operational event" and compared to a liquidity problem.