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Deposit Insurance Assessments

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Recent Changes in Assessments

Assessment Regulatory Changes
The Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank) instituted several changes to assessments once the Reserve Ratio reached 1.15%.  The Reserve Ratio is the total of the Deposit Insurance Fund (DIF) divided by the total estimated insured deposits of the industry. The Reserve Ratio reached 1.15% effective June 30, 2016.  Please see: Financial Institution Letter FIL-58-2016 for more information on the assessment changes listed below.

Lower Assessment Rates

Large Bank Surcharges & Small Bank Credits

Revised Small Bank Pricing

Other Significant Assessment Changes