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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-77-2024 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Arizona Affected by the Havasupai Tribe Flooding Disaster Relief
FIL-76-2024 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Alaska Affected by Flooding Disaster Relief
FIL-75-2024 Compliance Date Extension: Part 328, Subpart A Amendments to FDIC Official Signs and Advertising Requirements, False Advertising, Misrepresentation of Insured Status, and Misuse of the FDIC’s Name or Logo Rule Laws and Regulations
FIL-74-2024 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Florida Affected by Hurricane Milton Disaster Relief
FIL-73-2024 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Arizona Affected by the San Carlos Apache Tribe Watch Fire Disaster Relief
FIL-72-2024 Unsafe and Unsound Banking Practices: Brokered Deposits Restrictions; Extension of Comment Period Laws and Regulations
FIL-71-2024 Consolidated Reports of Condition and Income for Third Quarter 2024 Call Reports and Other FFIEC Related Forms and Reports
FIL-70-2024 Guidance to Help Financial Institutions and Facilitate Recovery in Areas Affected by Hurricane Helene Disaster Relief
FIL-69-2024 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Vermont Affected by Severe Storms, Flooding, Landslides, and Mudslides Disaster Relief
FIL-68-2024 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Georgia Affected by Tropical Storm Debby Disaster Relief
FIL-67-2024 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Connecticut Affected by A Severe Storm, Flooding, Landslides, and Mudslides Disaster Relief
FIL-66-2024 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Illinois Affected by Severe Storms, Tornadoes, Straight-line Winds, and Flooding Disaster Relief
FIL-65-2024 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Louisiana Affected by Hurricane Francine Disaster Relief
FIL-64-2024 Requirements for Custodial Deposit Accounts with Transactional Features and Prompt Payment of Deposit Insurance to Depositors Laws and Regulations
FIL-63-2024 FDIC’s Final Statement of Policy on Bank Merger Transactions Supervisory Guidance
FIL-62-2024 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Pennsylvania Affected by Tropical Storm Debby Disaster Relief
FIL-61-2024 Sunset of FFIEC Cybersecurity Assessment Tool Supervisory Guidance
FIL-60-2024 Updated FFIEC IT Examination Handbook – Development, Acquisition, and Maintenance Booklet Examination Procedures and Manual Updates
FIL-59-2024 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Vermont Affected by a Severe Storm, Flooding, Landslides, and Mudslides Disaster Relief
FIL-58-2024 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of South Dakota Affected by Severe Storms, Straight-line Winds, and Flooding Disaster Relief
FIL-57-2024 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Florida Affected by Hurricane Debby Disaster Relief
FIL-56-2024 Questions and Answers Regarding FDIC Official Signs and Advertising Requirements, False Advertising, Misrepresentation of Insured Status, and Misuse of the FDIC Name or Logo Supervisory Guidance
FIL-55-2024 Qualified Professional Asset Manager (QPAM) Exemption Amendment Laws and Regulations
FIL-54-2024 Proposed Joint Rule Establishing Data Standards under the Financial Data Transparency Act of 2022 Laws and Regulations
FIL-53-2024 Classification of Interactive Teller Machines as Domestic Branches or Remote Service Units Supervisory Guidance