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About

Transparency & Accountability - Bank Examinations

magnifying glass on the word Transparency

Through regular on-site examinations and contact with state nonmember institutions, FDIC staff regularly talk with banks to ensure that their policies to manage credit risk, liquidity risk, and interest-rate risk are effective. Where appropriate, FDIC staff work with institutions that have significant exposure to these risks and encourage them to take appropriate risk-mitigating steps. Learn more about the policies and guidelines used to examine banks, examination performance metrics, and resources for examiners and bankers.

For further questions about examination policies and processes, please contact Supervision@fdic.gov.

Safety and Soundness*
Exam Turnaround
12 Months as of September 30, 2024
 Total
Median Days64
Goal75
Percent Meeting Goal68.5%

*Independent and Concurrent Exams

Exam turnaround reflects the time from when the field work starts to when the report of examination is sent to the bank.

Consumer Compliance**
Exam Turnaround 
12 Months as of September 30, 2024
 Total
Median Days55.5
Goal120
Percent Meeting Goal94.40%

**Compliance/Community Reinvestment Act and Compliance-Only Exams

Exam turnaround reflects the time from when the field work starts to when the report of examination is sent to the bank (or Consumer Financial Protection Bureau/State Bank Department).

Safety and Soundness*
Exam Report Processing Times 
12 Months as of September 30, 2024
 Favorably RatedUnfavorably RatedTotal
Median Days255726
Goal454545
Percent Meeting Goal81.5%37.0%78.5%

*Independent and Concurrent Exams

Processing times reflect the period of time from when the field work is complete to when the report of examination is sent to the bank. Favorably rated banks have a Composite rating of 1 or 2. Unfavorably rated banks have a Composite rating of 3, 4, or 5.

Consumer Compliance**
Exam Report Processing Times
12 Months as of September 30, 2024
 <$1 Billion≥$1 BillionCFPB Supervised
Median Days11204
Goal212814
Percent Meeting Goal81.6%76.1%92.9%

**Compliance/Community Reinvestment Act and Compliance-Only Exams

Processing times reflect the period of time from when the field work is complete to when the report of examination is sent to the bank (or Consumer Financial Protection Bureau (CFPB)/State Bank Department). Processing times for CFPB-supervised institutions reflect the time from when the CFPB returns their comments to the FDIC to when the report of examination is sent to the bank.

Anti-Money Laundering/Countering the Financing of Terrorism (AML/CFT)
Enforcement Actions Issued
12 Months as of September 30, 2024
 TotalPercent of AML Exams
Formal Enforcement Actions*262.06%
Informal Enforcement Actions151.19%
Civil Money Penalties10.08%

*Formal Enforcement Action total include five terminated enforcement actions.

Formal AML/CFT enforcement actions are orders issued by the FDIC against insured financial institutions and individual respondents. The FDIC issues formal actions, such as Consent Orders, pursuant to Section 8 of the Federal Deposit Insurance Act. Formal actions are legally enforceable and available to the public after issuance. Informal AML/CFT enforcement actions, such as a Memorandum of Understanding, are voluntary commitments made by an insured financial institution's board of directors with the FDIC. Informal actions are not legally enforceable and are not available to the public. Civil money penalties are assessed not only to punish the violator to the degree of culpability and severity of the violation, but also to deter future violations. Although relevant to the FDIC’s interests, the primary purpose for utilizing civil money penalties is not to effect remedial action.

Contested Material Supervisory Determinations
January 2018 - September 30, 2024
YearRequest(s) for ReviewAppeals
2024145
202362
202250
202130
202031
201954
201891
Anti-Money Laundering/Countering the Financing of Terrorism (AML/CFT)
Examinations with AML/CFT Compliance
Program/Component (Pillar) Violations
January 2018 - September 30, 2024
YearTotalPercent of AML Exams
YTD 2024424.34%
2023534.11%
2022413.05%
2021362.66%
2020473.28%
2019533.58%
2018764.54%

AML/CFT Program/Component (Pillar) Violations include the overall compliance program (12 CFR 326.8(b)(1)), Customer Identification Program (12 CFR 326.8(b)(2)), internal controls (12 CFR 326.8(c)(1)), independent testing (12 CFR 326.8(c)(2)), AML officer (12 CFR 326.8(c)(3)), and training (12 CFR 326.8(c)(4)).

Last Updated: October 10, 2024