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Financial Institution Letters

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.

Inactive FIL List

FDIC Statements of Policy

Previous Active FILs:
Search Active FILs:
FIL Number / Title Title Issue Date Category
FIL-72-2009 Bank Secrecy Act Interagency Guidance on Transparency for U.S. Banking Organizations Conducting BSA/AML, OFAC and Fraud
FIL-63-2009 Prepaid Assessments Final Rule Deposit Insurance Fund
FIL-58-2009 Prepaid Assessments Notice of Proposed Rulemaking Deposit Insurance Fund
FIL-56-2009 Protecting Tenants at Foreclosure Act Public Law Lending / Investments
FIL-54-2009 FDIC Launches Foreclosure Prevention Initiative Lending / Investments
FIL-45-2009 Support for Responsible Loss Mitigation Activities Servicers' Obligations to Lienholders on Modifying Loans
FIL-43-2009 Allowance for Loan and Lease Losses Residential Mortgages Secured by Junior Liens Accounting, Auditing, and Securities Disclosure
FIL-42-2009 Flood Insurance Revised Interagency Questions and Answers Regarding Flood Insurance
FIL-33-2009 Annual Audit and Reporting Requirements Accounting, Auditing, and Securities Disclosure
FIL-30-2009 Identity Theft Red Flags, Address Discrepancies, And Change of Address Regulations Frequently Asked Questions Information Technology / Cybersecurity
FIL-23-2009 Special Assessment Final Rule Deposit Insurance Fund
FIL-19-2009 Classification Treatment for High Loan-to-Value (LTV) Residential Refinance Loans Lending / Investments
FIL-20-2009 Risk Management of Investments in Structured Credit Products
FIL-13-2009 The Use of Volatile or Special Funding Sources by Financial Institutions That are in a Weakened Condition Liquidity, Funds Management, and Sensitivity to Risk
FIL-12-2009 Deposit Insurance Assessments Deposit Insurance Fund
FIL-9-2009 Processing of Deposit Accounts in the Event of an Insured Depository Institution Failure Final Rule Resolutions
FIL-4-2009 Risk Management of Remote Deposit Capture Information Technology / Cybersecurity
FIL-146-2008 Recordkeeping Requirements for Qualified Financial Contracts Final Rule Resolutions
FIL-143-2008 Deposit Insurance Assessments Final Rule on Assessments for the First Quarter of 2009 Deposit Insurance Fund
FIL-128-2008 Interagency Statement on Meeting the Needs of Creditworthy Borrowers
FIL-127-2008 Guidance on Payment Processor Relationships (Revised July 2014) Information Technology / Cybersecurity
FIL-126-2008 Deposit Insurance Assessments 30-Day Extension of Comment Period for Portions of Proposed Assessment Rules That Would Become Effective April 1, 2009 Deposit Insurance Fund
FIL-106-2008 Deposit Insurance Assessments Proposed Rule on Assessments Deposit Insurance Fund
FIL-93-2008 Statement on Investments in Fannie Mae and Freddie Mac Equity Securities
FIL-89-2008 Securities Activities of Banks Exceptions and Exemptions for Banks from the Definition of "Broker"