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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-114-2004 Risk Management of Free and Open Source Software FFIEC Guidance Information Technology / Cybersecurity
FIL-114-2020 Proposed Rulemaking to Permit Additional Exemptions to Suspicious Activity Report Requirements BSA/AML, OFAC and Fraud
FIL-115-2020 Status of Certain Investment Funds and Their Portfolio Investments for Purposes of Regulation O and Reporting Requirements under Part 363 of FDIC Regulations Corporate Governance / Management
FIL-116-2002 POST-EXAMINATION SURVEY Risk Management Practices
FIL-116-2020 Information Regarding the FDIC’s Reservation of Authority for Determining Part 363 Compliance Requirements for Insured Depository Institutions (IDIs) Accounting, Auditing, and Securities Disclosure
FIL-119-2005 Annual Independent Audits and Reporting Requirements Amendments to Part 363 Accounting, Auditing, and Securities Disclosure
FIL-12-2009 Deposit Insurance Assessments Deposit Insurance Fund
FIL-12-2013 Electronic Loan Data Request Fields
FIL-12-2015 Regulatory Capital Rules: Accumulated Other Comprehensive Income (AOCI) Opt-Out Election Capital
FIL-12-2016 Interagency Guidance on Funds Transfer Pricing Related to Funding and Contingent Liquidity Risks Liquidity, Funds Management, and Sensitivity to Risk
FIL-12-2020 FDIC Seeks Information on How to Modernize Signage and Advertising Requirements for Banks Consumer Compliance/Protection
FIL-12-2021 Bank Secrecy Act/Anti-Money Laundering Examination Manual Update BSA/AML, OFAC and Fraud
FIL-12-2022 Computer-Security Incident Notification Implementation Supervisory Guidance/ Miscellaneous
FIL-12-2023 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Mississippi Affected by Severe Storms, Straight-line Winds and Tornadoes Disaster Relief
FIL-12-2024 Supplemental Rulemaking Related to Conforming and Technical Changes to the Community Reinvestment Act (CRA) Regulations and the CRA Sunshine Regulations Laws and Regulations
FIL-12-97 Deposit Shifting Applications, Notices and Filings
FIL-121-2004 Computer Software Due Diligence Guidance on Developing an Effective Computer Software Evaluation Program to Assure Quality and Regulatory Compliance Information Technology / Cybersecurity
FIL-124-98 Intercorporate Income Taxes
FIL-125-2004 Deposit Insurance Assessments Changes To Certified Statement Process Deposit Insurance Fund
FIL-126-2005 Class Action Settlements Guidance on Filing Notices of Proposed Class Action Settlements Applications, Notices and Filings
FIL-126-2008 Deposit Insurance Assessments 30-Day Extension of Comment Period for Portions of Proposed Assessment Rules That Would Become Effective April 1, 2009 Deposit Insurance Fund
FIL-127-2004 Bank-Owned Life Insurance Accounting, Auditing, and Securities Disclosure
FIL-127-2008 Guidance on Payment Processor Relationships (Revised July 2014) Information Technology / Cybersecurity
FIL-128-2008 Interagency Statement on Meeting the Needs of Creditworthy Borrowers
FIL-13-2005 Non-Public Supervisory Information Interagency Advisory on Confidentiality of CAMELS Ratings and Other Non-Public Supervisory Information Risk Management Practices