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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-143-2008 Deposit Insurance Assessments Final Rule on Assessments for the First Quarter of 2009 Deposit Insurance Fund
FIL-146-2008 Recordkeeping Requirements for Qualified Financial Contracts Final Rule Resolutions
FIL-15-2003 MORTGAGE BANKING ACTIVITIES
FIL-15-2012 Assessments Notice of Proposed Rulemaking on Assessments, Large Bank Pricing
FIL-15-2016 Capital Treatment for Qualifying Collateralized Debt Obligations Backed by Trust Preferred Securities under the "Volcker Rule" Capital
FIL-15-2019 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Nebraska Affected by Severe Winter Storms, Straight-line Winds, and Flooding Disaster Relief
FIL-15-2020 Extension of Comment Period for RFI on How to Modernize Signage and Advertising Requirements for Banks Consumer Compliance/Protection
FIL-15-2021 Emergency Capital Investment Program Available for Community Development Financial Institutions and Minority Depository Institutions Capital
FIL-15-2022 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Puerto Rico Affected by Severe Storms, Flooding and Landslides Disaster Relief
FIL-15-2023 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of California Affected by Severe Winter Storms, Straight-line Winds, Flooding, Landslides and Mudslides Disaster Relief
FIL-15-2024 Collecting Identifying Information Required Under the Customer Identification Program (CIP) Rule Laws and Regulations
FIL-15-98 Guidelines for Legal Advice to Financial Institution Directors
FIL-16-2004 Accounting and Reporting
FIL-16-2011 Overdraft Payment Program Supervisory Guidance Staff Teleconference on Implementation
FIL-16-2014 Technology Alert: OpenSSL "Heartbleed" Vulnerability
FIL-16-2015 Regulatory Capital Rules: Frequently Asked Questions Capital
FIL-16-2016 Supervisory Expectations for Evaluations
FIL-16-2017 FDIC Announces a New Resource for Community Banks: Affordable Mortgage Lending Guide, Part III: Federal Home Loan Banks
FIL-16-2018 FFIEC Issues Joint Statement: Cyber Insurance and Its Potential Role in Risk Management Programs Information Technology / Cybersecurity
FIL-16-2019 Home Mortgage Disclosure Act (HMDA) Consumer Compliance/Protection
FIL-16-2020 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Tennessee Affected by Severe Storms, Tornadoes, Straight-Line Winds and Flooding Disaster Relief
FIL-16-2021 Private Flood Insurance: Proposed New Interagency Questions and Answers Consumer Compliance/Protection
FIL-16-2022 Notification of Engaging in Crypto-Related Activities Miscellaneous
FIL-16-2023 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Tennessee Affected by Severe Storms, Straight-line Winds, and Tornadoes Disaster Relief
FIL-16-2024 FDIC Consumer Compliance Supervisory Highlights – March 2024 Edition Miscellaneous