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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-102-2020 Final Rule: Total Loss Absorbing Capital (TLAC) Holdings Capital
FIL-100-2020 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Louisiana Affected by Hurricane Delta Disaster Relief
FIL-101-2020 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of California Affected by Wildfires Disaster Relief
FIL-99-2020 The FDIC Approves Interim Final Rule to Provide Temporary Relief from Part 363 Audit and Reporting Requirements Accounting, Auditing, and Securities Disclosure
FIL-98-2020 Net Stable Funding Ratio: Liquidity Risk Measurement Standards and Disclosure Requirements Liquidity, Funds Management, and Sensitivity to Risk
FIL-95-2020 Bank Secrecy Act: Customer Identification Program Rule Exemption for Insurance Premium Finance Loans Bank Secrecy Act
FIL-96-2020 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Florida Affected by Hurricane Sally Disaster Relief
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-92-2020 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Alabama Affected by Hurricane Sally Disaster Relief
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-90-2020 Restoration Plan for the FDIC Deposit Insurance Fund
FIL-89-2020 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Puerto Rico Affected by Tropical Storm Isaias Disaster Relief
FIL-86-2020 FDIC Extends Comment Period Related to the Proposed Updated Interagency Questions and Answers Regarding Flood Insurance Consumer Compliance/Protection
FIL-87-2020 Banker Webinar: Loan Forgiveness and Other Matters Relative to the Paycheck Protection Program – Rescheduled Disaster Relief
FIL-88-2020 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Louisiana Affected by Hurricane Laura Disaster Relief
FIL-85-2020 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of California Affected by Wildfires Disaster Relief
FIL-82-2020 Modifications to the Community Bank Leverage Ratio Framework Capital
FIL-83-2020 Final Rule Adopts Existing Interim Final Rule Definition of Eligible Retained Income Capital
FIL-81-2020 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Iowa Affected by Severe Storms Disaster Relief
FIL-84-2020 Revised Transition of the Current Expected Credit Losses Methodology for Allowances Capital
FIL-80-2020 Proposed Revisions to Statement of Policy Regarding Minority Depository Institutions Risk Management Practices
FIL-78-2020 Bank Secrecy Act: Joint Statement on Due Diligence Requirements for Customers Who May Be Considered Politically Exposed Persons BSA/AML, OFAC and Fraud
FIL-79-2020 FDIC Proposes Changes to Its Supervisory Appeals Process Regulations
FIL-76-2020 Joint Statement on Enforcement of Bank Secrecy Act/Anti-Money Laundering Requirements BSA/AML, OFAC and Fraud