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Natural Disaster Impact: Guidance for Bankers
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Guidance for Bankers
Advice for Consumers and Business Owners

Guidance for Bankers

The FDIC works cooperatively with state and federal banking agencies as well as other organizations to determine the status of the financial institutions located in areas affected by natural disasters. This information will be updated as it becomes available to the FDIC and other state and federal regulators.

DateStateGuidanceFinancial Institution Letter Number
September 1, 2021LouisianaRegulatory Relief: Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Louisiana Affected by Hurricane IdaFIL-61-2021
September 1, 2020LouisianaRegulatory Relief: Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Louisiana Affected by Hurricane LauraFIL-88-2020
August 28, 2020CaliforniaRegulatory Relief: Guidance to Help Financial Institutions and Facilitate Recovery in Areas of California Affected by WildfiresFIL-85-2020
August 26, 2020IowaRegulatory Relief: Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Iowa Affected by Severe StormsFIL-81-2020
August 3, 2020AllAdditional Loan Accommodations Related to COVID-19 EventFIL-74-2020
July 16, 2020MichiganRegulatory Relief: Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Michigan Affected by Severe Storms and FloodingFIL-70-2020
June 23, 2020AllInteragency Examiner Guidance for Assessing Safety and Soundness Considering the Effect of the COVID-19 Pandemic on Financial InstitutionsFIL-64-2020
May 7, 2020South CarolinaRegulatory Relief: Guidance to Help Financial Institutions and Facilitate Recovery in Areas of South Carolina Affected by Severe Storms, Tornadoes and Straight-Line WindsFIL-53-2020
April 28, 2020TennesseeRegulatory Relief: Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Tennessee Affected by Severe Storms, Tornadoes, Straight-Line Winds and FloodingFIL-51-2020
April 25, 2020AllSmall Business Administration (SBA) and U.S. Department of Treasury Announce Availability of New Paycheck Protection Program LoansFIL-50-2020
April 21, 2020MississippiRegulatory Relief: Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Mississippi Affected by Severe Storms, Tornadoes, Straight-Line Winds and FloodingFIL-47-2020
April 10, 2020OregonRegulatory Relief: Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Oregon Affected by Severe Storms, Tornadoes, Straight-Line Winds and FloodingFIL-42-2020
April 7, 2020AllRevised Interagency Statement on Loan Modifications by Financial Institutions Working with Customers Affected by the CoronavirusFIL-36-2020
April 2, 2020AllRevised: New SBA and Treasury Programs Available for Small Business ReliefFIL-33-2020
March 30, 2020AllStatement on Part 363 Annual reports in Response to the CoronavirusFIL-30-2020
March 27, 2020AllFDIC Updates Steps to Protect Banks and Consumers and to Continue OperationsFIL-29-2020
March 26, 2020AllStatement Encouraging Responsible Small-Dollar Lending to Consumers and Small Businesses in response to COVID-19FIL-26-2020
March 26, 2020AllIdentification of Essential Critical Infrastructure Workers During COVID-19 Response EffortsFIL-25-2020
March 19, 2020AllJoint Statement on CRA Consideration for Activities in response to the COVID-19FIL-19-2020
March 19, 2020AllFrequently Asked Questions: For Financial Institutions and Consumers Affected by the CoronavirusFIL-18-2020
March 13, 2020AllRegulatory Relief: Working with Customers Affected by the CoronavirusFIL-17-2020
March 12, 2020TennesseeRegulatory Relief: Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Tennessee Affected by Severe Storms, Tornadoes, Straight-Line Winds and FloodingFIL-16-2020
March 06, 2020AllInteragency Statement on Pandemic PlanningFIL-14-2020
January 24, 2020Puerto RicoRegulatory Relief: Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Puerto Rico Affected by EarthquakesFIL-4-2020
October 10, 2019TexasRegulatory Relief: Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Texas Affected by Tropical Storm ImeldaFIL-56-2019
July 26, 2019TexasRegulatory Relief: Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Texas Affected by Severe Storms and FloodingFIL-45-2019
July 26, 2019MissouriRegulatory Relief: Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Missouri Affected by Severe Storms, Tornadoes, and FloodingFIL-44-2019
March 25, 2019MidwestJoint Release/Federal and State Financial Regulatory Agencies Issue Interagency Statement on Supervisory Practices Regarding Financial Institutions Affected by Flooding in the MidwestPR-22-2019
March 7, 2019AlabamaRegulatory Relief: Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Alabama Affected by Severe Storms, Straight-line Winds, and TornadoesFIL-11-2019
November 15, 2018CaliforniaRegulatory Relief: Guidance to Help Financial Institutions and Facilitate Recovery in Areas of California Affected by WildfiresFIL-72-2018
November 8, 2018Northern Mariana IslandsGuidance to Help Financial Institutions and Facilitate Recovery in Areas of the Northern Mariana Islands Affected by Super Typhoon YutuFIL-69-2018
October 25, 2018WisconsinGuidance to Help Financial Institutions and Facilitate Recovery in Areas in Wisconsin Affected by Severe Storms, Tornadoes, Straight-line Winds, Flooding, and LandslidesFIL-65-2018
October 10, 2018North Carolina, South Carolina, and VirginiaMeeting the Financial Needs of Customers Affected by Hurricane Michael and its AftermathFIL-59-2018
September 14, 2018North Carolina, South Carolina, and VirginiaMeeting the Financial Needs of Customers Affected by Hurricane Florence and its AftermathFIL-48-2018
August 9, 2018CaliforniaGuidance to Help Financial Institutions and Facilitate Recovery in Areas in California Affected by Wildfires and High WindsFIL-41-2018
July 10, 2018TexasGuidance to Help Financial Institutions and Facilitate Recovery in Areas in California Affected by Wildfires and High WindsFIL-37-2018
July 3, 2018HawaiiGuidance to Help Financial Institutions and Facilitate Recovery in Areas in Hawaii Affected by Severe Storms, Flooding, Landslides and MudslidesFIL-35-2018
June 19, 2018HawaiiGuidance to Help Financial Institutions and Facilitate Recovery in Areas in Hawaii Affected by Volcanic Eruption and EarthquakesFIL-33-2018
May 16, 2018North CarolinaGuidance to Help Financial Institutions and Facilitate Recovery in Areas in North Carolina Affected by a Tornado and Severe StormsFIL-29-2018
May 16, 2018IndianaGuidance to Help Financial Institutions and Facilitate Recovery in Areas in Indiana Affected by Severe Storms and FloodingFIL-28-2018
May 4, 2018AlabamaGuidance to Help Financial Institutions and Facilitate Recovery in Areas in Alabama Affected by Severe Storms and TornadoesFIL-24-2018
April 16, 2018American SamoaGuidance to Help Financial Institutions and Facilitate Recovery in Areas in American Samoa Affected by Tropical Storm GitaFIL-19-2018
January 25, 2018Applicable to financial institutions in any statesCRA Consideration for Community Development Activities in the U.S. Virgin Islands and Puerto Rico Following Hurricane MariaFIL-7-2018
October 26, 2017All FDIC-supervised institutions with loans secured by real estate in the affected areas in Florida, Georgia, Puerto Rico, Texas, and the U.S. Virgin IslandsFDIC Issues Temporary Exceptions to Appraisal Requirements in Areas Affected by Severe Storms and Flooding Related to Hurricanes Harvey, Irma and MariaFIL-56-2017
October 20, 2017CaliforniaGuidance to Help Financial Institutions and Facilitate Recovery in Areas of California Affected by WildfiresFIL-52-2017
September 27, 2017Puerto Rico and St. Croix, U.S. Virgin IslandsGuidance to Help Financial Institutions and Facilitate Recovery in Areas Affected by Hurricane MariaFIL-46-2017
September 18, 2017St. John and St. Thomas islands of the U.S. Virgin Islands, Puerto Rico, Florida and Georgia.Meeting the Financial Needs of Customers Affected by Hurricane Irma and its AftermathFIL-43-2017
August 29, 2017Texas and Louisiana.Meeting the Financial Needs of Customers Affected by Hurricane Harvey and its AftermathFIL-38-2017
August 24, 2017West VirginiaGuidance to Help Financial Institutions and Facilitate Recovery in Areas of West Virginia Affected by Severe Storms, Flooding, Landslides, and MudslidesFIL-37-2017
August 23, 2017MichiganGuidance to Help Financial Institutions and Facilitate Recovery in Areas of Michigan Affected by Severe Storms and FloodingFIL-35-2017
June 19, 2017ArkansasGuidance to Help Financial Institutions and Facilitate Recovery in Areas of Arkansas Affected by Severe Storms, Tornadoes, Straight-line Winds, and FloodingFIL-23-2017
June 6, 2017MissouriGuidance to Help Financial Institutions and Facilitate Recovery in Areas of Missouri Affected by Severe Storms, Tornadoes, Straight-line Winds, and FloodingFIL-20-2017
February 14, 2017LouisianaGuidance to Help Financial Institutions and Facilitate Recovery in Areas of Louisiana Affected by Severe Storms, Tornadoes, and Straight-line WindsFIL-9-2017
January 30, 2017GeorgiaGuidance to Help Financial Institutions and Facilitate Recovery in Areas of Georgia Affected by Severe Storms, Tornadoes, and Straight-line WindsFIL-7-2017
January 30, 2017MississippiGuidance to Help Financial Institutions and Facilitate Recovery in Areas of Mississippi Affected by Severe Storms, Tornadoes, Straight-line Winds, and FloodingFIL-6-2017
December 19, 2016TennesseeGuidance to Help Financial Institutions and to Facilitate Recovery in Areas of Tennessee Affected by WildfiresFIL-80-2016
November 4, 2016VirginiaGuidance to Help Financial Institutions and to Facilitate Recovery in Areas of Virginia Affected by Hurricane MatthewFIL-74-2016
October 24, 2016All FDIC-supervised institutions with loans secured by real estate in the affected areas in LouisianaException from Appraisal Requirements in Certain Disaster Areas in LouisianaFIL-70-2016
October 18, 2016Florida, GeorgiaGuidance to Help Financial Institutions and Facilitate Recovery in Areas in Florida and Georgia Affected by Hurricane MatthewFIL-69-2016
October 17, 2016South CarolinaGuidance to Help Financial Institutions and to Facilitate Recovery in Areas of South Carolina Affected by Hurricane MatthewFIL-67-2016
October 11, 2016North CarolinaGuidance to Help Financial Institutions and to Facilitate Recovery in Areas of North Carolina Affected by Hurricane MatthewFIL-64-2016
October 6, 2016FloridaGuidance to Help Financial Institutions and to Facilitate Recovery in Areas of Florida Affected by Hurricane HermineFIL-62-2016
September 1, 2016Louisiana

Meeting the Financial Needs of Customers Affected by Storms and Flooding in Louisiana

FIL-59-2016
August 15, 2016LouisianaGuidance to Help Financial Institutions and to Facilitate Recovery in Areas of Louisiana Affected by Severe Storms and FloodingFIL-54-2016
June 28, 2016West VirginiaGuidance to Help Financial Institutions and to Facilitate Recovery in Areas of West Virginia Affected by Severe Storms, Flooding, Landslides, and MudslidesFIL-41-2016
June 14, 2018TexasGuidance to Help Financial Institutions and to Facilitate Recovery in Areas of Texas Affected by Severe Storms and FloodingFIL-38-2016
April 26, 2016TexasGuidance to Help Financial Institutions and to Facilitate Recovery in Areas of Texas Affected by Severe Storms and FloodingFIL-29-2016
April 7, 2016MississippiGuidance to Help Financial Institutions and to Facilitate Recovery in Areas of Mississippi Affected by Severe Storms and FloodingFIL-27-2016
April 7, 2016TexasGuidance to Help Financial Institutions and to Facilitate Recovery in Areas of Texas Affected by Severe Storms, Tornadoes and FloodingFIL-26-2016
March 15, 2016LouisianaGuidance to Help Financial Institutions and to Facilitate Recovery in Areas of Louisiana Affected by Severe Storms and FloodingFIL-20-2016
February 9, 2016ArkansasGuidance to Help Financial Institutions and to Facilitate Recovery in Areas of Arkansas Affected by Severe Storms, Tornadoes, Straight-Line Winds, and FloodingFIL-11-2016
January 28, 2016MissouriGuidance to Help Financial Institutions and Facilitate Recovery in Areas of Missouri Affected by Severe Storms, Straight-Line Winds, and FloodingFIL-8-2016
January 5, 2016MississippiGuidance to Help Financial Institutions and Facilitate Recovery in Areas of Mississippi Affected by Severe Storms, Tornadoes, Straight-Line Winds, and FloodingFIL-1-2016