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Deposit Insurance Assessments

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Final FICO Assessments

FICO Assessments Final Regulation
The FDIC, as agent for the Financing Corporation (FICO), collected FICO Assessments from FDIC-insured institutions to pay interest on FICO bonds.  The 30-year FICO bonds were issued between 1987 and 1989 to recapitalize the (former) Federal Savings & Loan Insurance Corporation (FSLIC).  The FICO bond maturity schedule is below.

The Federal Housing Finance Agency (FHFA), the agency authorized by Congress to prescribe regulations relating to FICO, issued a rule regarding the final FICO assessments. The rule specified the following:

  1. The determination of the final FICO assessment collection.  The final collection was on the March 29, 2019 FDIC Quarterly Certified Statement Invoice.
  2. Amendments to Reports of Condition and Income (Call Reports) made after March 26, 2019 do not result in changes to a bank’s previously-paid FICO assessments.

Only FICO assessments are affected by the FHFA rule. The FHFA rule does not affect the FDIC’s policy on deposit insurance assessments, which will continue in the normal manner. Please refer to the FDIC’s policy regarding assessment adjustments.

For more information on this regulation, please contact the FHFA.  Contact information is found in the final regulation (see the link below).

Helpful Web Links & Documents
FICO Rate History
FICO Bond Maturity Schedule