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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-16-2023 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Tennessee Affected by Severe Storms, Straight-line Winds, and Tornadoes Disaster Relief
FIL-13-2023 FDIC Consumer Compliance Supervisory Highlights Miscellaneous
FIL-14-2023 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Arkansas Affected by Severe Storms and Tornadoes Disaster Relief
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-11-2023 Consolidated Reports of Condition and Income for First Quarter 2023 Call Reports and Other FFIEC Related Forms and Reports
FIL-10-2023 Financial Institutions are Required to Meet Contractual Obligations with Bridge Banks Laws and Regulations
FIL-9-2023 Fair Hiring in Banking Act Amends Section 19 of the Federal Deposit Insurance Act Laws and Regulations
FIL-8-2023 Joint Statement on Liquidity Risks to Banking Organizations Resulting from Crypto-Asset Market Vulnerabilities Supervisory Guidance
FIL-7-2023 Proposed Revisions to the Consolidated Reports of Condition and Income (Call Reports) and the FFIEC 002 Report Call Reports
FIL-6-2023 FDIC Supervisory Approach Regarding Changes to HMDA’s Closed-End Mortgage Loan Volume Reporting Threshold Supervisory Guidance
FIL-5-2023 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Georgia Affected by Severe Storms, Straight-line Winds and Tornadoes Disaster Relief
FIL-4-2023 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of California Affected by Severe Winter Storms, Flooding, Landslides and Mudslides Disaster Relief
FIL-3-2023 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Alabama Affected by Severe Storms, Straight-line Winds and Tornadoes Disaster Relief
FIL-2-2023 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Florida Affected by Hurricane Nicole Disaster Relief
FIL-1-2023 Joint Statement on Crypto-Asset Risks to Banking Organizations Supervisory Guidance
FIL-54-2022 Consolidated Reports of Condition and Income for Fourth Quarter 2022 Call Reports and Other FFIEC Related Forms and Reports
FIL-53-2022 Guidelines for Appeals of Material Supervisory Determinations Laws and Regulations
FIL-52-2022 Notice of Proposal on FDIC Official Sign and Advertising Requirements, False Advertising, Misrepresentation of Insured Status, and Misuse of the FDIC’s Name or Logo Laws and Regulations
FIL-51-2022 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of South Carolina Affected by Hurricane Ian Disaster Relief
FIL-50-2022 Updated FFIEC Cybersecurity Resource Guide for Financial Institutions Miscellaneous
FIL-49-2022 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Illinois Affected by Severe Storms and Flooding Disaster Relief
FIL-46-2022 Proposed Amendments to Guidelines for Appeals of Material Supervisory Determinations Laws and Regulations
FIL-47-2022 Final Rule on Assessments, Amendments to Incorporate Troubled Debt Restructuring Accounting Standards Update Laws and Regulations
FIL-48-2022 Final Rule on Assessments, Revised Deposit Insurance Assessment Rates Laws and Regulations
FIL-45-2022 Consolidated Reports of Condition and Income for Third Quarter 2022 Call Reports and Other FFIEC Related Forms and Reports