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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-20-2009 Risk Management of Investments in Structured Credit Products
FIL-64-2007 Market Risk Capital Applicability of Market Risk Capital Rules
FIL-4-2004 New Anti-Money Laundering Guidance
FIL-49-99 Bank Service Company Act
FIL-23-2010 Lapse of FEMA Authority to Issue Flood Insurance Policies
FIL-7-2019 FDIC Extends Comment Period Related to the Request for Information on the Deposit Insurance Application Process
FIL-71-2008 Supervisory Review Process of Capital Adequacy (pillar 2) Related to The Implementation of the Basel II Advanced Capital Framework
FIL-1-2004 Interagency Policy on Providing Financial Support to Advised Funds
FIL-20-99 Guidance on Subprime Lending
FIL-32-2007 Identity Theft
FIL-62-2021 Extension of Comment Period for Proposed Interagency Guidance on Third-Party Relationships: Risk Management
FIL-34-2018 Community Bank Webinar: Current Expected Credit Losses Methodology Q&A Webinar for Community Bankers
FIL-30-2016 Updated Financial Institution Employee's Guide to Deposit Insurance
FIL-50-2013 Troubled Debt Restructurings Interagency Supervisory Guidance
FIL-28-2012 Interagency Guidance on Mortgage Servicing Practices Concerning Military Homeowners with Permanent Change of Station Orders
FIL-78-2010 Assessments Notice of Proposed Rulemaking
FIL-5-2010 Meeting the Credit Needs of Creditworthy Small Business Borrowers
FIL-96-2003 ELECTRONIC FILING OF BRANCH APPLICATIONS
FIL-22-2008 Managing Commercial Real Estate Concentrations in a Challenging Environment
FIL-78-2019 Bank Secrecy Act: Interagency Statement on Providing Banking Services to Customers Engaged in Hemp Production
FIL-52-2019 Listening Sessions on Supervisory Appeals and Dispute Resolution Processes
FIL-62-2015 Statement on Prudent Risk Management for CRE Lending
FIL-82-2018 Review Process for Draft Deposit Insurance Proposals
FIL-58-2018 Home Mortgage Disclosure Act (HMDA): Bureau of Consumer Financial Protection Interpretive and Procedural Rule on Partial Exemptions from HMDA Requirements
FIL-42-2021 FDIC Issues New Statement of Policy Regarding Minority Depository Institutions