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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-9-2017 Guidance to Help Financial Institutions and to Facilitate Recovery in Areas of Louisiana Affected by Severe Storms, Tornadoes, and Straight-line Winds Disaster Relief
FIL-9-2018 Final Rule to Remove References to Credit Ratings from the FDIC's International Banking Regulations Lending / Investments
FIL-9-2019 Prepaid Accounts Rule: Interagency Consumer Compliance Examination Procedures Consumer and Community Affairs
FIL-9-2020 Home Mortgage Disclosure Act (HMDA): FFIEC Issues 2020 Version of A Guide to HMDA Reporting: Getting It Right! Consumer Compliance/Protection
FIL-9-2021 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Texas Affected by Severe Winter Storms Disaster Relief
FIL-9-2022 2021 Financial Institution Diversity Self-Assessments: Voluntary Self-Assessments Accepted Now through June 30, 2022 Miscellaneous
FIL-9-2023 Fair Hiring in Banking Act Amends Section 19 of the Federal Deposit Insurance Act Laws and Regulations
FIL-9-2024 FDIC Issues Temporary Exceptions to Appraisal Requirements in Maui County as Affected by Hawaii Wildfires Disaster Relief
FIL-90-2003 DEPOSIT INSURANCE ASSESSMENTS Deposit Insurance Fund
FIL-90-2005 Residential Tract Development Lending Frequently Asked Questions Lending / Investments
FIL-90-2010 Underwriting Standards for Small Business Loans Originated Under the Small Business Lending Fund Program Lending / Investments
FIL-90-2018 Bank Secrecy Act BSA/AML, OFAC and Fraud
FIL-90-2020 Restoration Plan for the FDIC Deposit Insurance Fund
FIL-91-2020 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Oregon Affected by Wildfires and Straight-Line Winds Disaster Relief
FIL-91-96 Income Taxes Accounting, Auditing, and Securities Disclosure
FIL-92-2006 Deposit Insurance Assessments Final Rule on Assessment Dividends Deposit Insurance Fund
FIL-92-2020 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Alabama Affected by Hurricane Sally Disaster Relief
FIL-93-2006 Deposit Insurance Assessments Final Rule on One-Time Assessment Credit Deposit Insurance Fund
FIL-93-2008 Statement on Investments in Fannie Mae and Freddie Mac Equity Securities
FIL-93-2020 Treatment of Certain Emergency Facilities in the Regulatory Capital Rule and the Liquidity Coverage Ratio Rule Regulations
FIL-94-2020 Agencies Adopt Final Rule on Certain Real Estate Transactions for Financial Institutions and Consumers Affected by the Coronavirus Disaster Relief
FIL-94-99 High Loan-to-Value Residential Real Estate Lending
FIL-95-2005 Hurricane Katrina Notification Requirements for Closing Branches in Hurricane-Impacted Areas Disaster Relief
FIL-95-2020 Bank Secrecy Act: Customer Identification Program Rule Exemption for Insurance Premium Finance Loans Bank Secrecy Act
FIL-96-2003 ELECTRONIC FILING OF BRANCH APPLICATIONS