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Federal Deposit
Insurance Corporation

Each depositor insured to at least $250,000 per insured bank

Large-Bank Deposit Insurance Determination Modernization Rule

The "Large-Bank Deposit Insurance Determination Modernization" rule (12 CFR 360.9 of the FDIC's Rules and Regulations), requires the largest insured depository institutions to implement functionality for posting provisional holds and supplying depositor and customer data in a standard format. The rule applies to insured depository institutions having at least $2 billion in domestic deposits and at least either: (1) 250,000 deposit accounts; or (2) total assets of $20 billion, regardless of the number of deposit accounts for two consecutive quarters (a “Covered Institution”).

For more information pertaining to the rule see Federal Register notice (Vol. 73; No. 138; July 17, 2008 - PDF (PDF Help) or contact the FDIC at

New Covered Institution

    Attestation Letter Template - Word (Word Help)

    Detailed Self Assessment Test Plan - PDF (PDF Help)

    Reconciliation Template - Excel (Excel Help)

    Designating Insured Depository Institution Points of Contact

Current Covered Institution

    On-Site Testing

Preparation for On-Site Reviews

    Bank On-Site Review Testing Pre-test Questionnaire - Excel (Excel Help)

    Reconciliation Template - Excel (Excel Help)

    Provisional Hold Memorandum - Word (Word Help)

    On-Site Review General Information

    Most Common On-Site Review Issues

    Standard Data File Structure and Format

    File Transmission

Frequently Asked Questions (FAQs)