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Federal Deposit
Insurance Corporation

Each depositor insured to at least $250,000 per insured bank

Freedom of Information Act (FOIA) Service Center

Federal Deposit Insurance Corporation
Annual Freedom of Information Act Report
Fiscal Year 2017 (For the period 10/01/2016 through 09/30/2017)

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I. BASIC INFORMATION REGARDING THIS REPORT

  1. The FDIC contact person for questions about this Report is Hugo A. Zia, Supervisory Counsel, FOIA/Privacy Act Group, FDIC Legal Division, 550 17th Street NW, VS-D8122, Washington, DC 20429; Telephone: (703) 562-2671; Fax: (703) 562-2797.
  2. This report is available on the FDIC web site at http://www.fdic.gov/about/freedom/reports.html.
  3. A paper copy of this Report may be obtained by downloading it from the FDIC web site or by requesting a copy from the FDIC Public Information Center, 3501 N. Fairfax Dr., Room E-1005, Arlington, VA 22226; Telephone: (703) 562-2200, or (877) ASK-FDIC (3342); Fax: (703) 562-2296 or E-mail: publicinfo@fdic.gov.

II. MAKING A FOIA REQUEST TO THE FDIC

  1. All FOIA requests to the FDIC must be in writing and either (i) directed to the FOIA/Privacy Act Group, FDIC Legal Division, 550 17th Street NW, Washington, DC 20429, or (ii) submitted electronically through the FDIC’s Electronic FOIA Request form on the web site at https://efoiarequest.fdic.gov/palMain.aspx, or by facsimile to (703) 562-2797, or by e-mail to EFOIA@FDIC.gov. The FDIC publication entitled "FOIA Guide - Gaining Access to FDIC Information" explains in detail how to submit a FOIA request to the FDIC. The FOIA Guide is available on the FDIC web site at www.fdic.gov/about/freedom/guide.html.
  2. Some FOIA requests are denied in whole or in part because the information requested is exempted from disclosure by the FOIA (5 U.S.C. § 552 (b)).  The exemptions most often applicable to information requested from the FDIC include (b)(4), (b)(5), (b)(6) and (b)(8). The FDIC receives a great deal of privileged and private financial information concerning individuals, businesses, and banking entities by virtue of its roles as a federal financial institution regulatory agency as well as the appointed receiver of virtually all failed U.S. depository institutions.  Therefore, exemptions (b)(4) and (b)(6) are invoked to withhold confidential or privileged material.  The FDIC is also the primary regulator of most state- chartered financial institutions and therefore prepares or receives bank examination reports and related material.  Such records are exempted from FOIA disclosure in order to promote frank communications between financial institutions and the FDIC examination staff and to maintain stability in the financial system.  Accordingly, the FDIC invokes FOIA exemptions (b)(5) and (b)(8) for these purposes.  Other exemptions, such as (b)(2), (b)(7)(A), or (b)(7)(C) are used occasionally.  In some cases, records cannot be located.
  3. The FDIC’s Freedom of Information Act regulations are available on the FDIC web site at http://www.fdic.gov/regulations/laws/rules/2000-3800.html. The FDIC Records Fee Schedule is set forth below and it is also available at http://www.fdic.gov/about/freedom/fees.html.

Federal Deposit Insurance Corporation
Records Fee Schedule
March 1, 2012

In accordance with 12 C.F.R. § 309.5(f), the Federal Deposit Insurance Corporation hereby sets forth the fees to be charged for the production of agency records. These fees will be effective for requests submitted thirty days or more from the above date of issuance. Persons requesting records from the FDIC shall be charged for the direct costs of search, review and duplication as set forth at 12 C.F.R. § 309.5(f), unless such costs are less than $10.00. The following fees shall be in effect until further notice.

Hourly labor rates:

Executive level staff -- $121.00
Professional level staff -- $83.00
Clerical level staff -- $36.00

Duplication:

$0.20 per page
CD/DVD - $5.00

Special products

Certain reports, manuals and other products are offered at set prices by agency components which produce them. Prices may be obtained upon request.

III. ACRONYMS, DEFINITIONS, AND EXEMPTIONS

  1. There are no FDIC-specific acronyms or other terms used in this report.
  2. Definition of terms used in this report:
  1. Administrative Appeal - a request to a federal agency asking that it review at a higher administrative level a FOIA determination made by the agency at the initial request level.
  2. Average Number - the number obtained by dividing the sum of a group of numbers by the quantity of numbers in the group.   For example, of 3, 7, and 14, the average number is 8. 
  3. Backlog - the number of requests or administrative appeals that are pending at an agency at the end of the fiscal year that are beyond the statutory time period for a response.
  4. Component - for agencies that process requests on a decentralized basis, a “component” is an entity, also sometimes referred to as an Office, Division, Bureau, Center, or Directorate, within the agency that processes FOIA requests. The FOIA now requires that agencies include in their Annual FOIA Report data for both the agency overall and for each principal component of the agency.
  5. Consultation - the procedure whereby the agency responding to a FOIA request first forwards a record to another agency or component within the same agency for its review because that other agency has an interest in the document.  Once the agency in receipt of the consultation finishes its review of the record, it responds back to the agency or component within the same agency that forwarded it. That agency, in turn, will then respond to the FOIA requester.
  6. Exemption 3 Statute - a federal statute that exempts information from disclosure and which the agency relies on to withhold information under subsection (b)(3) of the FOIA.
  7. FOIA Request - a FOIA request is generally a request to a federal agency for access to records concerning another person (i.e., a “third-party” request), or concerning an organization, or a particular topic of interest.  FOIA requests also include requests made by requesters seeking records concerning themselves (i.e., “first-party” requests) when those requesters are not subject to the Privacy Act, such as non-U.S. citizens.  Moreover, because all first-party requesters should be afforded the benefit of both the access provisions of the FOIA as well as those of the Privacy Act, FOIA requests also include any first-party requests where an agency determines that it must search beyond its Privacy Act “systems of records” or where a Privacy Act exemption applies, and the agency looks to FOIA to afford the greatest possible access.  All requests which require the agency to utilize the FOIA in responding to the requester are included in this report.
    Additionally, a FOIA request includes records referred to the agency for processing and direct response to the requester.  It does not, however, include records for which the agency has received a consultation from another agency. (Consultations are reported separately in Section XII of this report.)
  8. Full Grant - an agency decision to disclose all records in full in response to a FOIA request.
  9. Full Denial - an agency decision not to release any records in response to a FOIA request because the records are exempt in their entireties under one or more of the FOIA exemptions, or because of a procedural reason, such as when no records could be located.
  10. Median Number - the middle, not average, number.  For example, of 3, 7, and 14, the median number is 7.
  11. Multi-Track Processing - a system in which simple requests requiring relatively minimal review are placed in one processing track and more voluminous and complex requests are placed in one or more other tracks.  Requests granted expedited processing are placed in yet another track.  Requests in each track are processed on a first in/first out basis.
  1. Expedited Processing - an agency will process a FOIA request on an expedited basis when a requester satisfies the requirements for expedited processing as set forth in the statute and in agency regulations.

  2. Simple Request - a FOIA request that an agency using multi-track processing places in its fastest (non-expedited) track based on the low volume and/or simplicity of the records requested.

  3. Complex Request - a FOIA request that an agency using multi-track processing places in a slower track based on the high volume and/or complexity of the records requested.

  1. Partial Grant/Partial Denial - in response to a FOIA request, an agency decision to disclose portions of the records and to withhold other portions that are exempt under the FOIA, or to otherwise deny a portion of the request for a procedural reason.
  2. Pending Request or Pending Administrative Appeal - a request or administrative appeal for which an agency has not taken final action in all respects.
  3. Perfected Request - a request for records which reasonably describes such records and is made in accordance with published rules stating the time, place, fees (if any) and procedures to be followed.
  4. Processed Request or Processed Administrative Appeal - a request or administrative appeal for which an agency has taken final action in all respects.
  5. Range in Number of Days - the lowest and highest number of days to process requests or administrative appeals.
  6. Time Limits - the time period in the statute for an agency to respond to a FOIA request (ordinarily twenty working days from receipt of a perfected FOIA request).
  1. Concise descriptions of the nine FOIA exemptions:
  1. Exeimpton 1:classified national defense and foreign relations information.
  2. Exemption 2:information that is related solely to the internal personnel rules and practices of an agency.
  3. Exemption 3:information that is prohibited from disclosure by another federal law.
  4. Exemption 4:trade secrets and other confidential business information.
  5. Exemption 5: inter-agency or intra-agency communications that are protected by legal privileges.
  6. Exemption 6: information involving matters of personal privacy.
  7. Exemption 7: records or information compiled for law enforcement purposes, to the extent that the production of those records (A) could reasonably be expected to interfere with enforcement proceedings, (B) would deprive a person of a right to a fair trial or an impartial adjudication, (C) could reasonably be expected to constitute an unwarranted invasion of personal privacy, (D) could reasonably be expected to disclose the identity of a confidential source, (E) would disclose techniques and procedures for law enforcement investigations or prosecutions, or would disclose guidelines for law enforcement investigations or prosecutions, or (F) could reasonably be expected to endanger the life or physical safety of any individual.
  8. Exemption 8: information relating to the supervision of financial institutions.
  9. Exemption 9:geological information on wells.

IV. EXEMPTION 3 STATUTES

Statute Type of Information Withheld Case Citation Agency / Component Number of Times Relied upon by Agency / Component Total Number of Times Relied upon by Agency Overall
31 U.S.C. § 5319 Reports pertaining to monetary instruments transactions filed under subchapter II of chapter 53 of title 31 and records of those reports Ortiz v. DOJ, No. 12-1674, 2014 WL 4449686, at *4 (D.D.C. Sept. 9, 2014); Rosenberg v. ICE, 13 F. Supp. 3d 92, 114-15 (D.D.C. 2014); Hulstein v. DEA, No. 10-4112, 2011 U.S. Dist. LEXIS 25788, at *7-8 (N.D. Iowa Mar. 11, 2011); Council on Am.-Islamic Relations, Cal. v. FBI, 749 F. Supp. 2d 1104, 1117 (S.D. Cal. 2010); Berger v. IRS, 487 F. Supp. 2d 482, 496-97 (D.N.J. 2007), aff'd on other grounds, 288 F. App'x 829 (3d Cir. 2008). FDIC 2 2
15 U.S.C. § 6801 Nonpublic personal information of customers of financial institutions Hodes v. HUD, 532 F. Supp. 2d 108, 117 (D.D.C. 2008). FDIC 1 1
41 U.S.C. § 253b(m)(1) Contractor proposals that are in the possession or control of an executive agency and that have not been set forth or incorporated by reference into contracts Sinkfield v. HUD, No. 10-885, 2012 U.S. Dist. LEXIS 35233, at *13-15 (S.D. Ohio Mar. 15, 2012); Margolin v. NASA, No. 09-CV-00421, 2011 WL 1303221, at *6 (D. Nev. Mar, 31, 2011); Hornbostel v. U.S. Dept. of the Interior, 305 F. Supp. 2d 21, 30 (D.D.C. 2003), summary affirmance granted, No. 03-5257, 2004 WL 1900562 (D.C. Cir. Aug. 25, 2004). FDIC 2 2
Fed. R. Crim. P. 6(e), enacted By Act of July 30, 1977, Pub. L. No. 95-78, 91 Stat. 319 Certain records pertaining to grand jury proceedings Sussman v. USMS, 494 F. 3d 1106, 1113 (D.C. Cir. 2007); Fund for Constitutional Gov’t v. Nat’l Archives & Records Serv., 656 F. 2d 856, 867-68 (D.C. Cir. 1981); Durham v. U.S. Atty. Gen., No. 06-843, 2008 WL 620744, at *2 (E.D. Tex. Mar. 3, 2008); Cozen O’Connor v. U.S. Dept. of Treasury, 570 F. Supp. 2d 749, 776 (E.D. Pa. 2008). FDIC 1 1

V.A. FOIA REQUESTS -- RECEIVED, PROCESSED AND PENDING FOIA REQUESTS

Agency / Component Number of Requests Pending as of the Start of the Fiscal Year Number of Requests Received in the Fiscal Year Number of Requests Processed in the Fiscal Year Number of Requests Pending as of the End of the Fiscal Year
FDIC 22 440 442 20

V.B.(1). DISPOSITION OF FOIA REQUESTS -- ALL PROCESSED REQUESTS

Agency/
Component
Number of Full Grants Number of Partial Grants/Partial Denials Number of Full Denials Based on Exemptions Number of Full Denials Based
on Reasons Other than Exemptions
No Records All Records Referred to Another Component or Agency Request Withdrawn Fee Related Reason Records not Reasonably Described Improper FOIA Request for Other Reason Not Agency Record Duplicate Req. Other
*Explain in Chart Below
FDIC Total
FDIC 69 82 28 28 2 36 19 33 55 84 6 0 442

V.B.(2). DISPOSITION OF FOIA REQUESTS -- "OTHER" REASONS FOR "FULL DENIALS BASED ON REASONS OTHER THAN EXEMPTIONS"

Agency / Component Description of “Other” Reasons for Denials from Chart B(1) & Number of Times Those Reasons Were Relied Upon Number of Times "Other" Reason Was Relied Upon Total
FDIC N/A 0 0

V.B.(3). DISPOSITION OF FOIA REQUESTS -- NUMBER OF TIMES EXEMPTIONS APPLIED

Agency / Component Ex. 1 Ex. 2 Ex. 3 Ex. 4 Ex. 5 Ex. 6 Ex. 7(A) Ex. 7(B) Ex. 7(C) Ex. 7(D) Ex. 7(E) Ex. 7(F) Ex. 8 Ex. 9
FDIC 0 14 6 66 31 87 0 0 6 0 7 0 29 0

VI.A. ADMINISTRATIVE APPEALS OF INITIAL DETERMINATIONS OF FOIA REQUESTS -- RECEIVED, PROCESSED, AND PENDING ADMINISTRATIVE APPEALS

Agency / Component Number of Appeals Pending as of Start of the Fiscal Year Number of Appeals Received in Fiscal Year Number of Appeals Processed in Fiscal Year Number of Appeals Pending as of End of Fiscal Year
FDIC 1 14 15 0

VI.B. DISPOSITION OF ADMINISTRATIVE APPEALS -- ALL PROCESSED APPEALS

Agency / Component Number Affirmed on Appeal Number Partially Affirmed & Partially Reversed or Remanded Number Completely Reversed or Remanded on Appeal Number of Appeals Closed for Other Reasons TOTAL
FDIC 9 1 2 3 15

VI.C.(1). REASONS FOR DENIAL ON APPEAL -- NUMBER OF TIMES EXEMPTIONS APPLIED

Agency / Component Ex. 1 Ex. 2 Ex. 3 Ex. 4 Ex. 5 Ex. 6 Ex. 7(A) Ex. 7(B) Ex. 7(C) Ex. 7(D) Ex. 7(E) Ex. 7(F) Ex. 8 Ex. 9
FDIC 0 0 1 2 2 1 1 0 0 0 0 0 0 0

VI.C.(2). REASONS FOR DENIAL ON APPEAL -- REASONS OTHER THAN EXEMPTIONS

Agency / Component No Records Records Referred at Initial Request level Request Withdrawn Fee Related Reason Records Not Reasonably Described Improper Request for Other Reasons Not Agency Record Duplicate Request or Appeal Request in Litigation Appeal Based Solely on Denial of Request for Expedited Processing Other *Explain in chart below
FDIC 1 0 0 0 1 1 0 0 0 0 0

VI.C.(3). REASONS FOR DENIAL ON APPEAL -- "OTHER" REASONS

Agency / Component Description of “Other” Reasons for Denial on Appeal from Chart C(2) & Number of Times Those Reasons Were Relied Upon Number of Times "Other" Reason Was Relied Upon Total
FDIC N/A 0 0

VI.C.(4). RESPONSE TIME FOR ADMINISTRATIVE APPEALS

Agency / Component Median Number of Days Average Number of Days Lowest Number of Days Highest Number of Days
FDIC 29.00 32.13 8.00 76.00

VI.C.(5). TEN OLDEST PENDING ADMINISTRATIVE APPEALS

Agency / Component 10th Oldest Appeal 9th 8th 7th 6th 5th 4th 3rd 2nd Oldest Appeal
FDIC Date of Appeal N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A
Number of Days Pending 0 0 0 0 0 0 0 0 0 0

VII.A. FOIA REQUESTS -- RESPONSE TIME FOR ALL PROCESSED PERFECTED REQUESTS

Agency
/ Component
Simple Complex Expedited
Processing
Median Number of Days Average Number of Days Lowest Number of Days Highest Number of Days Median Number of Days Average Number of Days Lowest Number of Days Highest Number of Days Median Number of Days Average Number of Days Lowest Number of Days Highest Number of Days
FDIC 7 8.93 <1 69 27 30.39 3 139 18 20.33 3 65

VII.B. PROCESSED REQUESTS -- RESPONSE TIME FOR PERFECTED REQUESTS IN WHICH INFORMATION WAS GRANTED

Agency
/ Component
Simple Complex Expedited
Processing
Median Number of Days Average Number of Days Lowest Number of Days Highest Number of Days Median Number of Days Average Number of Days Lowest Number of Days Highest Number of Days Median Number of Days Average Number of Days Lowest Number of Days Highest Number of Days
FDIC 9 11.96 <1 69 31 36.84 9 139 23 23.93 5 65

VII.C. PROCESSED SIMPLE REQUESTS -- RESPONSE TIME IN DAY INCREMENTS

Agency/Component <1 -20 Days 21-40 Days 41-60 Days 61-80 Days 81-100 Days 101-120 Days 121-140 Days 141-160 Days 161-180 Days 181-200 Days 201-300 Days 301-400 Days 401 + Days FDIC Total
FDIC 217 11 1 1 0 0 0 0 0 0 0 0 0 230

VII.C. PROCESSED COMPLEX REQUESTS -- RESPONSE TIME IN DAY INCREMENTS

Agency/Component <1 -20 Days 21-40 Days 41-60 Days 61-80 Days 81-100 Days 101-120 Days 121-140 Days 141-160 Days 161-180 Days 181-200 Days 201-300 Days 301-400 Days 401 + Days FDIC Total
FDIC 34 51 11 4 2 0 1 0 0 0 0 0 0 103

VII.C. PROCESSED REQUESTS GRANTED EXPEDITED PROCESSING-- RESPONSE TIME IN DAY INCREMENTS

Agency/Component <1 -20 Days 21-40 Days 41-60 Days 61-80 Days 81-100 Days 101-120 Days 121-140 Days 141-160 Days 161-180 Days 181-200 Days 201-300 Days 301-400 Days 401 + Days FDIC Total
FDIC 12 7 1 1 0 0 0 0 0 0 0 0 0 21

VII.D. PENDING REQUESTS -- ALL PENDING PERFECTED REQUESTS

Agency / Component Simple Complex Expedited Processing
Number Pending Median Number of Days Average Number of Days Number Pending Median Number of Days Average Number of Days Number Pending Median Number of Days Average Number of Days
FDIC 11 10 7 4 15.5 20 0 N/A N/A

VII.E. PENDING REQUESTS -- TEN OLDEST PENDING PERFECTED REQUESTS

Agency / Component 10th 9th 8th 7th 6th 5th 4th 3rd 2nd Oldest Request
Date of Receipt 2017-09-20 2017-09-15 2017-09-15 2017-09-15 2017-09-14 2017-09-14 2017-09-08 2017-08-09 2017-08-31 2017-07-31
FDIC Number of Days Pending 7 10 10 10 11 11 15 20 20 43

VIII.A. REQUESTS FOR EXPEDITED PROCESSING

Agency / Component Number Granted Number Denied Median Number of Days to Adjudicate Average Number of Days to Adjudicate Number Adjudicated Within Ten Calendar Days
FDIC 24 10 4.5 6.03 26

VIII.B. REQUESTS FOR FEE WAIVER

Agency / Component Number
Granted
Number
Denied
Median Number of Days to Adjudicate Average Number of Days to Adjudicate
FDIC 5 3 3.5 5.5

IX. FOIA PERSONNEL AND COSTS

Agency / Component PERSONNEL COSTS
Number of “Full-Time FOIA Employees” Number of “Equivalent Full-Time FOIA Employees” Total Number of “Full-Time FOIA Staff” Processing
Costs
Litigation
Related
Costs
Total Costs
FDIC 7 5 12 $2,824,700.00 $89,177.00 $2,913,877.00

X. FEES COLLECTED FOR PROCESSING REQUESTS

Agency / Component Total Amount of Fees Collected Percentage of Total Costs
FDIC $7,571.24 0.27%

XI. (RESERVED)

XI.A. NUMBER OF TIMES SUBSECTION (C) USED

Agency / Component Number of Times Subsection (C) Used
FDIC 0

XI.B. NUMBER OF SUBSECTION (A)(2) POSTINGS

Agency / Component Number of (a)(2) Records Posted by the FOIA Office Number of (a)(2) Records Posted by the Program Offices
FDIC 4 725

XII.A. BACKLOGS OF FOIA REQUESTS AND ADMINISTRATIVE APPEALS

Agency / Component Number of Backlogged Requests
as of the End of the Fiscal Year
Number of Backlogged Appeals
as of the End of the Fiscal Year
FDIC 1 0

XII.B. CONSULTATIONS ON FOIA REQUESTS -- RECEIVED, PROCESSED, AND PENDING CONSULTATIONS

Agency / Component Number of Consultations Received from Other Agencies that Were Pending at the Agency as of the Start of the Fiscal Year Number of Consultations Received from Other Agencies During the Fiscal Year Number of Consultations Received from Other Agencies that Were Processed by the Agency During the Fiscal Year Number of Consultations Received from Other Agencies that Were Pending at the Agency as of the End of the Fiscal Year
FDIC 0 3 0 3

XII.C. CONSULTATIONS ON FOIA REQUESTS -- TEN OLDEST CONSULTATIONS RECEIVED FROM OTHER AGENCIES AND PENDING AT THE AGENCY

Agency / Component 10th Oldest Consultation 9th 8th 7th 6th 5th 4th 3rd 2nd Oldest Consultation
FDIC Date N/A N/A N/A N/A N/A N/A N/A 2017-09-29 2017-0816 2017-07-11
Number of Days 0 0 0 0 0 0 0 0 31 57

XII.D.(1). COMPARISON OF NUMBERS OF REQUESTS FROM PREVIOUS AND CURRENT ANNUAL REPORT -- REQUESTS RECEIVED AND PROCESSED

Agency / Component Number of Requests Received Number of Requests Processed
FDIC Number Received
During Fiscal Year
from Last Year’s
Annual Report
Number Received
During Fiscal Year
from Current
Annual Report
Number Processed During Fiscal Year
from Last Year’s
Annual Report
Number Processed During Fiscal Year
from Current
Annual Report
465 440 481 442

XII.D.(2). COMPARISON OF NUMBERS OF REQUESTS FROM PREVIOUS AND CURRENT ANNUAL REPORT -- BACKLOGGED REQUESTS

Agency / Component Number of Backlogged Requests
as of the End of the Fiscal Year from the Previous Annual Report
Number of Backlogged Requests
as of the End of the Fiscal Year from the Current Annual Report
FDIC 4 1

XII.E.(1) COMPARISON OF NUMBERS OF ADMINISTRATIVE APPEALS FROM PREVIOUS AND CURRENT ANNUAL REPORT -- APPEALS RECEIVED AND PROCESSED

Agency / Component Number of Appeals Received Number of Appeals Processed
Number Received
During Fiscal Year
from Last Year’s
Annual Report
Number Received
During Fiscal Year
from Current
Annual Report
Number Processed During Fiscal Year
from Last Year’s
Annual Report
Number Processed During Fiscal Year
from Current
Annual Report
FDIC 8 14 7 15

XII.E.(2) COMPARISON OF NUMBERS OF ADMINISTRATIVE APPEALS FROM PREVIOUS AND CURRENT ANNUAL REPORT -- BACKLOGGED APPEALS

Agency / Component Number of Backlogged Appeals as of the End of the Fiscal Year from Previous Annual Report Number of Backlogged Appeals as of End of the Fiscal Year from Current Annual Report
FDIC 0 0

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