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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-105-2005 Corporate Codes Of Conduct Guidance on Implementing an Effective Ethics Program Corporate Governance / Management
FIL-105-2006 Allowance for Loan and Lease Losses Revised Policy Statement and Frequently Asked Questions Accounting, Auditing, and Securities Disclosure
FIL-105-2020 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Puerto Rico Affected by Severe Storms and Flooding Disaster Relief
FIL-105-96 Adoption of Revised "Camels" Rating System Risk Management Practices
FIL-106-2001 PRIVACY OF CONSUMER FINANCIAL INFORMATION
FIL-106-2008 Deposit Insurance Assessments Proposed Rule on Assessments Deposit Insurance Fund
FIL-106-2020 Joint Fact Sheet on Bank Secrecy Act Due Diligence Requirements for Charities and Nonprofit Organizations BSA/AML, OFAC and Fraud
FIL-107-2020 Proposed Rulemaking to Address the Temporary Deposit Insurance Assessment Effects of the Optional Regulatory Capital Transitions for Implementing the Current Expected Credit Losses (CECL) Methodology Deposit Insurance
FIL-108-2020 Interagency Interim Final Rule Provides Regulatory Relief to Institutions Experiencing Temporary Asset Growth in Connection with COVID-19-Related Programs Regulations
FIL-109-2005 Interstate Banking, Federal Interest Rate Authority Notice of Proposed Rulemaking Applications, Notices and Filings
FIL-109-2020 Banker Webinar: Banks’ Use of Artificial Intelligence, including Machine Learning Applied Technology
FIL-109-99 Guidance on Asset Securitization Lending / Investments
FIL-11-2005 Overdraft Protection Programs Lending / Investments
FIL-11-2014 Distributed Denial of Service (DDoS) Attacks Information Technology / Cybersecurity
FIL-11-2015 Interagency Guidance to Encourage Financial Institution Youth Savings Programs and Address Related
Frequently Asked Questions 		Consumer and Community Affairs
FIL-11-2016 Guidance to Help Financial Institutions and to Facilitate Recovery in Areas of Arkansas Affected by Severe Storms, Tornadoes,
Straight-Line Winds, and Flooding 		Disaster Relief
FIL-11-2018 FFIEC Provides Update on Examination Modernization Project Risk Management Practices
FIL-11-2019 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Alabama Affected by Severe Storms, Straight-line Winds, and Tornadoes Disaster Relief
FIL-11-2022 FDIC Request for Information on Bank Merger Act Miscellaneous
FIL-11-2023 Consolidated Reports of Condition and Income for First Quarter 2023 Call Reports and Other FFIEC Related Forms and Reports
FIL-11-2024 Proposed Revisions to the Statement of Policy on Bank Merger Transactions Supervisory Guidance
FIL-110-98 Acquisition, Development, and Construction Lending Lending / Investments
FIL-112-2020 FDIC Amends Branch Application Requirements Regarding Historic Preservation and Environmental Policy Applications, Notices and Filings
FIL-113-2004 FDIC Appeal Processes Corporate Governance / Management
FIL-113-2020 Combined Final Rule on Brokered Deposits and Interest Rate Restrictions Liquidity, Funds Management, and Sensitivity to Risk