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Inactive Financial Institution Letters (FILs)

FDIC Archive

Financial Institution Letters (FILs) are addressed to the Chief Executive Officers of the financial institutions on the FIL's distribution list -- generally, FDIC-supervised institutions. FILs may announce new regulations and policies, new FDIC publications, and a variety of other matters of principal interest to those responsible for operating a bank or savings association. The inactive FILs represent those letters that have been rescinded by the FDIC or have expired over time.

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Showing 441 - 460 of 1723 results
  • Payday Lending Programs Revised Examination Guidance
    Payday Lending Programs : Revised Examination Guidance
    Federal Deposit Insurance Corporation (FDIC)
    12/04/2009 | PDF
    Effective January 1, 2010, institutions subject to the interest rate restrictions under Part 337.6 of the FDIC Rules and Regulations ("restrictions") are required to use the "national rate" to determine conformance with the restrictions. The "national rate" is defined as a simple average of rates paid by insured depository institutions and branches ...
    Retired Supporting Files
  • Interagency Commercial Real Estate Loan Workouts Seminar Scheduled
    Interagency Commercial Real Estate Loan Workouts Seminar Scheduled
    Federal Deposit Insurance Corporation (FDIC)
    11/30/2009 | PDF
    The federal financial institution regulatory agencies will host a free interagency telephone seminar on the attached Policy Statement on Prudent Commercial Real Estate Loan Workouts (Workout Guidance) on Thursday, December 3, 2009, at 2:00 p.m. EST.
    Retired Supporting Files
  • Regulatory Capital Standards Final Rule for Mortgages Modified Under the Making Home Affordable Program
    Regulatory Capital Standards : Final Rule for Mortgages Modified Under the Making Home Affordable Program
    Federal Deposit Insurance Corporation (FDIC)
    11/27/2009 | PDF
    On March 4, 2009, the U.S. Department of the Treasury announced guidelines under the Making Home Affordable Program (MHAP or HAMP) to promote sustainable loan modifications for homeowners at risk of losing their homes due to foreclosure. The final rule clarifies that a banking organization may retain the risk weight assigned to a mortgage loan befo ...
    Retired
  • Electronic Fund Transfer Act Regulation E Disclosures at Automated Teller Machines
    Electronic Fund Transfer Act (Regulation E) Disclosures at Automated Teller Machines
    Federal Deposit Insurance Corporation (FDIC)
    11/27/2009 | PDF
    The Federal Deposit Insurance Corporation (FDIC) is aware that a number of banks may not be fully complying with Section 205.16 of Regulation E. This regulation requires appropriate fee disclosures (1) on or at automated teller machines (ATMs), and (2) on either the screen of the machine or on a paper notice. The FDIC is reminding banks to ensure A ...
    Retired
  • Model Privacy Notice Form Final Rule
    Model Privacy Notice Form : Final Rule
    Federal Deposit Insurance Corporation (FDIC)
    11/17/2009 | PDF
    The FDIC and seven other federal agencies have released a final model privacy notice form that is designed to make it easier for consumers to understand how financial institutions collect and share their personal information. Under the Gramm-Leach-Bliley Act (GLBA), institutions must notify consumers of their information-sharing practices and infor ...
    Retired Supporting Files
  • Secure and Fair Enforcement for Mortgage Licensing Act of 2008 Final Rule Registration of Residential Mortgage Loan Originators Part 365 Subpart B
    Secure and Fair Enforcement for Mortgage Licensing Act of 2008 – Final Rule : Registration of Residential Mortgage Loan Originators (Part 365, Subpart B)
    Federal Deposit Insurance Corporation (FDIC)
    11/13/2009 | PDF
    The FDIC Board of Directors has approved the attached draft final rule implementing the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act). The rule has been posted on the FDIC's Web site, but will not be published in the Federal Register until the other agencies involved in this rulemaking complete their review and approval ...
    Retired Supporting Files
  • Determining Conformance With Interest Rate Restrictions for Less Than Well Capitalized Institutions
    Determining Conformance With Interest Rate Restrictions for Less Than Well Capitalized Institutions
    Federal Deposit Insurance Corporation (FDIC)
    11/03/2009 | PDF
    The FDIC Board approved a final rule on May 29, 2009, changing the way the FDIC administers its statutory restrictions on the deposit interest rates paid by banks that are less than well capitalized under Section 337.6 of the FDIC Rules and Regulations (see FIL-25-2009). The final rule redefines the national rate as "a simple average of rates paid ...
    Retired Supporting Files
  • Policy Statement on Prudent Commercial Real Estate Loan Workouts
    Policy Statement on Prudent Commercial Real Estate Loan Workouts
    Federal Deposit Insurance Corporation (FDIC)
    10/30/2009 | PDF
    The financial regulators recognize that prudent commercial real estate (CRE) loan workouts are often in the best interest of financial institutions and creditworthy CRE borrowers. The attached guidance focuses on the elements of prudent workout programs. It also provides illustrations of the analytical review process to ensure the credit risk in a ...
    Retired Supporting Files
  • Regulatory Relief Guidance to Help Financial Institutions and Facilitate Recovery in the Territory of American Samoa Affected by an Earthquake Tsunami and Flooding
    Regulatory Relief : Guidance to Help Financial Institutions and Facilitate Recovery in the Territory of American Samoa, Affected by an Earthquake, Tsunami and Flooding
    Federal Deposit Insurance Corporation (FDIC)
    10/01/2009 | PDF
    The FDIC has announced a series of steps intended to provide regulatory relief to financial institutions and facilitate recovery in the territory of American Samoa, where an earthquake, a tsunami and flooding have caused severe property damage and casualties.
    Retired Supporting Files
  • Bank Reports Consolidated Reports of Condition and Income for Third Quarter 2009
    Bank Reports : Consolidated Reports of Condition and Income for Third Quarter 2009
    Federal Deposit Insurance Corporation (FDIC)
    09/30/2009 | PDF
    No Description
    Retired Supporting Files
  • Regulatory Relief Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Georgia Affected by Severe Storms and Flooding
    Regulatory Relief : Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Georgia Affected by Severe Storms and Flooding
    Federal Deposit Insurance Corporation (FDIC)
    09/29/2009 | PDF
    The FDIC has announced a series of steps intended to provide regulatory relief to financial institutions and facilitate recovery in areas of Georgia affected by recent severe storms and flooding.
    Retired Supporting Files
  • Proposed Correspondent Concentration Risks Guidance Agencies Request Comment
    Proposed Correspondent Concentration Risks Guidance Agencies Request Comment
    Federal Deposit Insurance Corporation (FDIC)
    09/25/2009 | PDF
    The federal financial institution regulatory agencies are requesting comment on the attached proposed Correspondent Concentration Risks guidance. The proposed guidance addresses supervisory matters relating to identifying, monitoring, managing and performing appropriate due diligence of correspondent concentration risks.
    Retired
  • Elimination of Three Transfer Sublimit for Withdrawals from Savings Deposits Final Rule
    Elimination of Three Transfer Sublimit for Withdrawals from Savings Deposits : Final Rule
    Federal Deposit Insurance Corporation (FDIC)
    09/09/2009 | PDF
    The Federal Deposit Insurance Corporation (FDIC) has published the attached final rule, which recognizes elimination of the monthly three transfer sublimit for certain types of withdrawals from the savings deposits of FDIC-supervised institutions. The overall six transfer limit on pre-authorized or automatic withdrawals will still exist. This rule ...
    Retired
  • Alternatives for Effectively Concluding Debt Guarantee Program Notice of Proposed Rulemaking
    Alternatives for Effectively Concluding Debt Guarantee Program : Notice of Proposed Rulemaking
    Federal Deposit Insurance Corporation (FDIC)
    09/09/2009 | PDF
    The FDIC is seeking comment on the attached Notice of Proposed Rulemaking (NPR) on two alternatives for phasing out the Debt Guarantee Program (DGP), a component of the FDIC's Temporary Liquidity Guarantee Program (TLG Program). Comments are due 15 days following publication of the NPR in the Federal Register.
    Retired
  • Enhanced Supervisory Procedures for Newly Insured FDICSupervised Depository Institutions
    Enhanced Supervisory Procedures for Newly Insured FDIC-Supervised Depository Institutions
    Federal Deposit Insurance Corporation (FDIC)
    08/28/2009 | PDF
    The FDIC is advising the banking industry of supervisory changes for state nonmember institutions insured seven years or less (de novo period). Under current policy, newly insured institutions are subject to higher capital requirements and more frequent examination activities during the first three years of operation. Based on supervisory experienc ...
    Retired
  • Regulatory Capital Standards Notice of Proposed Rulemaking Regarding RiskBased Capital Impact of Modifications to Generally Accepted Accounting Principles Consolidation of AssetBacked Commercial Paper Programs and Other Related Issues
    Regulatory Capital Standards : Notice of Proposed Rulemaking Regarding Risk-Based Capital: Impact of Modifications to Generally Accepted Accounting Principles, Consolidation of Asset-Backed Commercial Paper Programs, and Other Related Issues
    Federal Deposit Insurance Corporation (FDIC)
    08/27/2009 | PDF
    The federal banking agencies are requesting comment on a proposal to better align capital requirements with the actual risk of certain exposures and to obtain public comment on the effect on regulatory capital that will result from the implementation of the Financial Accounting Standards Board's Statement of Financial Accounting Standards No. 166, ...
    Retired
  • Transaction Account Guarantee Extension Third Quarter 2009
    Transaction Account Guarantee Extension Third Quarter 2009
    Federal Deposit Insurance Corporation (FDIC)
    08/27/2009 | PDF
    On August 26, 2009, the FDIC adopted the attached final rule extending the Transaction Account Guarantee (TAG) portion of the Temporary Liquidity Guarantee Program for six months, through June 30, 2010. For institutions that choose to remain in the program, the fee will be raised and adjusted to reflect the institution's risk.
    Retired
  • Proposed Revisions to Reports of Condition and Income Call Report for 2010
    Proposed Revisions to Reports of Condition and Income (Call Report) for 2010
    Federal Deposit Insurance Corporation (FDIC)
    08/19/2009 | PDF
    No Description
    Retired
  • Regulation Z OpenEnd Consumer Credit Changes Notice of Immediate and 90Day Changes REVISED
    Regulation Z - Open-End Consumer Credit Changes Notice of Immediate and 90-Day Changes : REVISED
    Federal Deposit Insurance Corporation (FDIC)
    08/06/2009 | PDF
    The Credit Card Accountability Responsibility and Disclosure Act of 2009 (Credit CARD Act) amended the Truth in Lending Act (TILA) to establish fair and transparent practices for open-end credit plans, including credit cards. The Federal Reserve Board (FRB) announced interim final regulations to implement those provisions of the Credit CARD Act tha ...
    Retired Supporting Files
  • FFIEC Statement on Regulatory Conversions
    FFIEC Statement on Regulatory Conversions
    Federal Deposit Insurance Corporation (FDIC)
    07/07/2009 | PDF
    The Federal Financial Institutions Examination Council (FFIEC) has issued the attached FFIEC Statement on Regulatory Conversions to reaffirm that charter conversions or changes in primary federal regulator should only be conducted for legitimate business and strategic reasons.
    Retired Supporting Files
441 - 460 / 1723