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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-47-2020 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Mississippi Affected by Severe Storms, Tornadoes, Straight-Line Winds and Flooding Disaster Relief
FIL-45-2020 Release of FFIEC Federal Disclosure Computational Tools Consumer Compliance/Protection
FIL-46-2020 Banker Webinar: Revised Statement on Loan Modifications and Reporting for Institutions Working with Customers Affected by the Coronavirus Disaster Relief
FIL-44-2020 Bank Secrecy Act/Anti-Money Laundering Examination Manual Update BSA/AML, OFAC and Fraud
FIL-43-2020 Facilitating Real Estate-Related Transactions Affected by COVID-19 Disaster Relief
FIL-40-2020 Supervisory and Enforcement Practices Regarding the Mortgage Servicing Rules in Response to COVID-19 and the CARES Act Consumer and Community Affairs
FIL-41-2020 Banker Webinar: New Transition Provision to Delay the Impact of CECL on Regulatory Capital for Institutions Required to Adopt CECL in 2020 Capital
FIL-42-2020 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Oregon Affected by Severe Storms, Tornadoes, Straight-Line Winds and Flooding Disaster Relief
FIL-37-2020 Changes to the Regulatory Capital Rule to Accommodate the Paycheck Protection Program Capital
FIL-36-2020 Revised Interagency Statement on Loan Modifications by Financial Institutions Working with Customers Affected by the Coronavirus Disaster Relief
FIL-35-2020 Modifications to the Community Bank Leverage Ratio Framework Capital
FIL-34-2020 FDIC Extends Comment Period Related to the Proposed Revisions to the Brokered Deposits Rules Risk Management
FIL-33-2020 Revised: New SBA and Treasury Programs Available for Small Business Relief Disaster Relief
FIL-32-2020 Joint Statement on the Interaction of the CECL Revised Transition Interim Final Rule with Section 4014 of the Coronavirus Aid, Relief, and Economic Security Act Capital
FIL-31-2020 Adjusting the Calculations for Credit Concentration Lending / Investments
FIL-29-2020 FDIC Updates Steps to Protect Banks and Consumers and to Continue Operations Disaster Relief
FIL-30-2020 Statement on Part 363 Annual Reports in Response to the Coronavirus Disaster Relief
FIL-27-2020 Temporary Alternative Procedures for Sending Supervision-Related Mail and Email to the FDIC Applications, Notices and Filings
FIL-26-2020 Statement Encouraging Responsible Small-Dollar Lending to Consumers and Small Businesses in Response to COVID-19 Disaster Relief
FIL-25-2020 Identification of Essential Critical Infrastructure Workers During the COVID-19 Response Efforts Disaster Relief
FIL-23-2020 Request for 2019 Diversity Self-Assessments from FDIC-Regulated Financial Institutions Applications, Notices and Filings
FIL-20-2020 Regulatory Capital Rule: Clarification on the Use of Buffers Capital
FIL-21-2020 Regulatory Capital Rule: Eligible Retained Income Capital
FIL-19-2020 Joint Statement on CRA Consideration for Activities in Response to the COVID-19 Disaster Relief
FIL-18-2020 Frequently Asked Questions Disaster Relief