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Federal Register Publications

Comments RIN 3064-AF94

Guidelines Establishing Standards for Corporate Governance and Risk Management for Covered Institutions With Total Consolidated Assets of $10 Billion or More
12 CFR Part 360 RIN 3064–AF94
Notice of proposed rulemaking and issuance of guidelines

88 FR 70391
Comment Period End: December 11, 2023
Extended Comment Period End: February 9, 2024

Summary: The FDIC is proposing to issue a new appendix C to standards for safety and soundness in 12 CFR part 364, with conforming amendments to part 308, to provide Guidelines to FDIC-supervised institutions with total consolidated assets of $10 billion or more. The Guidelines are intended to set the FDIC’s expectations for covered institutions regarding corporate governance, risk management, and the board of director’s oversight. These expectations include a risk management program with a three-lines-of-defense model, held accountable by the CEO and the board, and would include responsibilities of the independent risk management unit, audit unit, and front line units.
 


 

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Submitted By
01. American Bankers Association and 3 other organizations
02. Independent Bankers Association of Texas
03. Brian Knight
04. Veronica Sellers
05. CSBS, James M. Cooper
06. Nell Minow
07. BancFirst Corporation, David Rainbolt
08. Sturdy Savings Bank
09. Abbott Cooper
10. Gary Liotta
11. Citizens Business Bank
12. Ceres Accelerator, Todd Miller, Holly Li, et al.
13. U.S. Chamber of Commerce, Tom Quaadman
14. The Society for Corporate Governance
15. Veritex Holdings, Inc. and Veritex Community Bank
16. Council of Institutional Investors
17. National Association of Corporate Directors
18. North Carolina Bankers Association
19. Bank OZK, Helen Brown
20. International Bancshares Corporation (IBC), Dennis E. Nixon
21. Mid-Size Bank Coalition of America
22. Pinnacle Bancorp, Inc
23. Apple Bank
24. North Dakota Department of Financial Institutionsc, Lise Kruse
25. Union Bank & Trust
26. Bank of Springfield
27. Form Letter A from 82 commenters
28. Bank of Eastern Oregon, Ed Rollins
29. Cadence Bank, Shanna Kuzdzal
30. Nebraska Bankers Association, Richard Baier
31. Sallie Mae Bank, Kerri A. Palmer
32. Ameris Bancorp, Jody Spencer, Bill McKendry
33. Hancock Whitney Bank, Joy Lambert Phillips, Michael Otero
34. Public Citizen, Bart Naylor
35. International Corporate Governance Network, Kerrie Waring
36. Texas Department of Banking, Charles G. Cooper
37. Texas Capital Bank, Anna Alvarado
38. Jeremy C. Kress
39. Conference of State Bank Supervisors (CSBS), Karen K. Lawson
40. Independent Community Bankers of America, Jenna Burke
41. TowneBank, George P. Whitley
42. FirstBank, Beth W. Sims
43. The Sunrise Project and 3 other organizations
44. Comenity Bank and Comenity Capital Bank
45. Busey Bank, Van A. Dukeman
46. Americas Mutual Banks, Douglas Faucette
47. Nebraska Independent Community Bankers, S. Dexter Schrodt
48. IDB Bank, Leslie K. Case
49. Amarillo National Bank, William Ware
50. American Bankers Association and State Alliance of 52 other organizations
51. Bank Policy Institute (BPI) and American Association of Bank Directors (AABD), Gregg Rozansky and David Baris
52. Better Markets, Dennis Kelleher
53. Commissioner of Banks of the State of North Carolina, Katherine M.R. Bosken
54. Discover Bank, Hope D. Mehlman
55. Governor Doug Burgum of North Dakota
56. Mississippi Department of Banking and Consumer Finance, Rhoshunda Kelly
57. Starling Insights, Inc.
58. Washington Federal Bank (WaFd) Bank, Brent J. Beardall
59. First Internet Bank, Nicole S. Lorch
60. National Association of Industrial Bankers, Frank R. Pignanelli
61. Independent Community Bankers of America and 40 other organizations
62. Oregon Bankers Association
63. The Heritage Foundation, David R. Burton
64. CIBC Bank USA, Shawn Beber
65. New Market Bank, Anita Drentlaw
66. Georgia Bankers Association, Joe Brannen
67. Anonymous
68. Republican Members of Congress, Frank D. Lucas and 7 others
69. United States Senate, Thom Tillis and 10 others
70. United States House of Representatives, Andy Barr and 10 others
71. First Central Savings Bank, George Pombar 
72. The Wolfsberg Group, Alan Ketley 
73. Independent Community Bankers of America, Rhonda Thomas-Whitley 
74. Teachers insurance and Annuity Association of America, Andrew Svarre 
75. HSBC, Kevin J. Lampeter
76. Henderson State Bank, Kent M. Franzen 

Meeting Memoranda

01. Meeting Between the Chairman and Supervision Leadership of the Federal Deposit Insurance Corporation and the Conference of State Bank Supervisors Executive Committee
02. Meeting with Bank Policy Institute
03. Meeting Between Staff of the Federal Deposit Insurance Corporation and Live Oak Banking Company

Last Updated: December 11, 2024