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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-69-2005 Voice Over Internet Protocol Guidance on the Security Risks of VoIP Information Technology / Cybersecurity
FIL-66-2005 Spyware Guidance on Mitigating Risks From Spyware Information Technology / Cybersecurity
FIL-64-2005 "Pharming"
FIL-59-2005 Identity Theft Study Supplement on "Account-Hijacking" Identity Theft Information Technology / Cybersecurity
FIL-58-2005 FDIC connect Three New FDIC connect Business Transactions Available Applied Technology
FIL-45-2005 Home Equity Lending Credit Risk Management Guidance
FIL-39-2005 Accounting and Reporting for Commitments to Originate and Sell Mortgage Loans Interagency Advisory Accounting, Auditing, and Securities Disclosure
FIL-34-2005 New Anti-Money Laundering Guidance Guidance on Customer Identification Programs BSA/AML, OFAC and Fraud
FIL-32-2005 Anti-Money Laundering Guidance Interpretive Guidance on Providing Banking Services to Money Services Businesses Operating in the United States BSA/AML, OFAC and Fraud
FIL-27-2005 Final Guidance on Response Programs Guidance on Response Programs for Unauthorized Access to Customer Information and Customer Notice Information Technology / Cybersecurity
FIL-24-2005 Bank Secrecy Act Statement on Money Services Businesses BSA/AML, OFAC and Fraud
FIL-13-2005 Non-Public Supervisory Information Interagency Advisory on Confidentiality of CAMELS Ratings and Other Non-Public Supervisory Information Risk Management Practices
FIL-11-2005 Overdraft Protection Programs Lending / Investments
FIL-7-2005 Fair and Accurate Credit Transactions Act of 2003 Guidelines Requiring the Proper Disposal of Consumer Information Information Technology / Cybersecurity
FIL-135-2004 FDIC Expands Electronic Communication Seven New FDIC connect Business Transactions Available Applied Technology
FIL-127-2004 Bank-Owned Life Insurance Accounting, Auditing, and Securities Disclosure
FIL-125-2004 Deposit Insurance Assessments Changes To Certified Statement Process Deposit Insurance Fund
FIL-121-2004 Computer Software Due Diligence Guidance on Developing an Effective Computer Software Evaluation Program to Assure Quality and Regulatory Compliance Information Technology / Cybersecurity
FIL-114-2004 Risk Management of Free and Open Source Software FFIEC Guidance Information Technology / Cybersecurity
FIL-113-2004 FDIC Appeal Processes Corporate Governance / Management
FIL-103-2004 Internet Banking Fraud
FIL-84-2004 Guidance on Instant Messaging Information Technology / Cybersecurity
FIL-72-2004 Guidance on Accepting Accounts from Foreign Governments, Foreign Embassies and Foreign Political Figures BSA/AML, OFAC and Fraud
FIL-67-2004 Bank Secrecy Act BSA/AML, OFAC and Fraud
FIL-62-2004 Computer Virus Protection Information Technology / Cybersecurity