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Natural Disaster Impact: Guidance for Bankers

Last Updated: September 1, 2021

Guidance for Bankers

The FDIC works cooperatively with state and federal banking agencies as well as other organizations to determine the status of the financial institutions located in areas affected by natural disasters. This information will be updated as it becomes available to the FDIC and other state and federal regulators.

Date State Guidance Financial Institution Letter Number
September 1, 2021 Louisiana Regulatory Relief: Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Louisiana Affected by Hurricane Ida FIL-61-2021
September 1, 2020 Louisiana Regulatory Relief: Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Louisiana Affected by Hurricane Laura FIL-88-2020
August 28, 2020 California Regulatory Relief: Guidance to Help Financial Institutions and Facilitate Recovery in Areas of California Affected by Wildfires FIL-85-2020
August 26, 2020 Iowa Regulatory Relief: Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Iowa Affected by Severe Storms FIL-81-2020
August 3, 2020 All Additional Loan Accommodations Related to COVID-19 Event FIL-74-2020
July 16, 2020 Michigan Regulatory Relief: Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Michigan Affected by Severe Storms and Flooding FIL-70-2020
June 23, 2020 All Interagency Examiner Guidance for Assessing Safety and Soundness Considering the Effect of the COVID-19 Pandemic on Financial Institutions FIL-64-2020
May 7, 2020 South Carolina Regulatory Relief: Guidance to Help Financial Institutions and Facilitate Recovery in Areas of South Carolina Affected by Severe Storms, Tornadoes and Straight-Line Winds FIL-53-2020
April 28, 2020 Tennessee Regulatory Relief: Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Tennessee Affected by Severe Storms, Tornadoes, Straight-Line Winds and Flooding FIL-51-2020
April 25, 2020 All Small Business Administration (SBA) and U.S. Department of Treasury Announce Availability of New Paycheck Protection Program Loans FIL-50-2020
April 21, 2020 Mississippi Regulatory Relief: Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Mississippi Affected by Severe Storms, Tornadoes, Straight-Line Winds and Flooding FIL-47-2020
April 10, 2020 Oregon Regulatory Relief: Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Oregon Affected by Severe Storms, Tornadoes, Straight-Line Winds and Flooding FIL-42-2020
April 7, 2020 All Revised Interagency Statement on Loan Modifications by Financial Institutions Working with Customers Affected by the Coronavirus FIL-36-2020
April 2, 2020 All Revised: New SBA and Treasury Programs Available for Small Business Relief FIL-33-2020
March 30, 2020 All Statement on Part 363 Annual reports in Response to the Coronavirus FIL-30-2020
March 27, 2020 All FDIC Updates Steps to Protect Banks and Consumers and to Continue Operations FIL-29-2020
March 26, 2020 All Statement Encouraging Responsible Small-Dollar Lending to Consumers and Small Businesses in response to COVID-19 FIL-26-2020
March 26, 2020 All Identification of Essential Critical Infrastructure Workers During COVID-19 Response Efforts FIL-25-2020
March 19, 2020 All Joint Statement on CRA Consideration for Activities in response to the COVID-19 FIL-19-2020
March 19, 2020 All Frequently Asked Questions: For Financial Institutions and Consumers Affected by the Coronavirus FIL-18-2020
March 13, 2020 All Regulatory Relief: Working with Customers Affected by the Coronavirus FIL-17-2020
March 12, 2020 Tennessee Regulatory Relief: Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Tennessee Affected by Severe Storms, Tornadoes, Straight-Line Winds and Flooding FIL-16-2020
March 06, 2020 All Interagency Statement on Pandemic Planning FIL-14-2020
January 24, 2020 Puerto Rico Regulatory Relief: Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Puerto Rico Affected by Earthquakes FIL-4-2020
October 10, 2019 Texas Regulatory Relief: Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Texas Affected by Tropical Storm Imelda FIL-56-2019
July 26, 2019 Texas Regulatory Relief: Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Texas Affected by Severe Storms and Flooding FIL-45-2019
July 26, 2019 Missouri Regulatory Relief: Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Missouri Affected by Severe Storms, Tornadoes, and Flooding FIL-44-2019
March 25, 2019 Midwest Joint Release/Federal and State Financial Regulatory Agencies Issue Interagency Statement on Supervisory Practices Regarding Financial Institutions Affected by Flooding in the Midwest PR-22-2019
March 7, 2019 Alabama Regulatory Relief: Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Alabama Affected by Severe Storms, Straight-line Winds, and Tornadoes FIL-11-2019
November 15, 2018 California Regulatory Relief: Guidance to Help Financial Institutions and Facilitate Recovery in Areas of California Affected by Wildfires FIL-72-2018
November 8, 2018 Northern Mariana Islands Guidance to Help Financial Institutions and Facilitate Recovery in Areas of the Northern Mariana Islands Affected by Super Typhoon Yutu FIL-69-2018
October 25, 2018 Wisconsin Guidance to Help Financial Institutions and Facilitate Recovery in Areas in Wisconsin Affected by Severe Storms, Tornadoes, Straight-line Winds, Flooding, and Landslides FIL-65-2018
October 10, 2018 North Carolina, South Carolina, and Virginia Meeting the Financial Needs of Customers Affected by Hurricane Michael and its Aftermath FIL-59-2018
September 14, 2018 North Carolina, South Carolina, and Virginia Meeting the Financial Needs of Customers Affected by Hurricane Florence and its Aftermath FIL-48-2018
August 9, 2018 California Guidance to Help Financial Institutions and Facilitate Recovery in Areas in California Affected by Wildfires and High Winds FIL-41-2018
July 10, 2018 Texas Guidance to Help Financial Institutions and Facilitate Recovery in Areas in California Affected by Wildfires and High Winds FIL-37-2018
July 3, 2018 Hawaii Guidance to Help Financial Institutions and Facilitate Recovery in Areas in Hawaii Affected by Severe Storms, Flooding, Landslides and Mudslides FIL-35-2018
June 19, 2018 Hawaii Guidance to Help Financial Institutions and Facilitate Recovery in Areas in Hawaii Affected by Volcanic Eruption and Earthquakes FIL-33-2018
May 16, 2018 North Carolina Guidance to Help Financial Institutions and Facilitate Recovery in Areas in North Carolina Affected by a Tornado and Severe Storms FIL-29-2018
May 16, 2018 Indiana Guidance to Help Financial Institutions and Facilitate Recovery in Areas in Indiana Affected by Severe Storms and Flooding FIL-28-2018
May 4, 2018 Alabama Guidance to Help Financial Institutions and Facilitate Recovery in Areas in Alabama Affected by Severe Storms and Tornadoes FIL-24-2018
April 16, 2018 American Samoa Guidance to Help Financial Institutions and Facilitate Recovery in Areas in American Samoa Affected by Tropical Storm Gita FIL-19-2018
January 25, 2018 Applicable to financial institutions in any states CRA Consideration for Community Development Activities in the U.S. Virgin Islands and Puerto Rico Following Hurricane Maria FIL-7-2018
October 26, 2017 All FDIC-supervised institutions with loans secured by real estate in the affected areas in Florida, Georgia, Puerto Rico, Texas, and the U.S. Virgin Islands FDIC Issues Temporary Exceptions to Appraisal Requirements in Areas Affected by Severe Storms and Flooding Related to Hurricanes Harvey, Irma and Maria FIL-56-2017
October 20, 2017 California Guidance to Help Financial Institutions and Facilitate Recovery in Areas of California Affected by Wildfires FIL-52-2017
September 27, 2017 Puerto Rico and St. Croix, U.S. Virgin Islands Guidance to Help Financial Institutions and Facilitate Recovery in Areas Affected by Hurricane Maria FIL-46-2017
September 18, 2017 St. John and St. Thomas islands of the U.S. Virgin Islands, Puerto Rico, Florida and Georgia. Meeting the Financial Needs of Customers Affected by Hurricane Irma and its Aftermath FIL-43-2017
August 29, 2017 Texas and Louisiana. Meeting the Financial Needs of Customers Affected by Hurricane Harvey and its Aftermath FIL-38-2017
August 24, 2017 West Virginia Guidance to Help Financial Institutions and Facilitate Recovery in Areas of West Virginia Affected by Severe Storms, Flooding, Landslides, and Mudslides FIL-37-2017
August 23, 2017 Michigan Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Michigan Affected by Severe Storms and Flooding FIL-35-2017
June 19, 2017 Arkansas Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Arkansas Affected by Severe Storms, Tornadoes, Straight-line Winds, and Flooding FIL-23-2017
June 6, 2017 Missouri Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Missouri Affected by Severe Storms, Tornadoes, Straight-line Winds, and Flooding FIL-20-2017
February 14, 2017 Louisiana Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Louisiana Affected by Severe Storms, Tornadoes, and Straight-line Winds FIL-9-2017
January 30, 2017 Georgia Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Georgia Affected by Severe Storms, Tornadoes, and Straight-line Winds FIL-7-2017
January 30, 2017 Mississippi Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Mississippi Affected by Severe Storms, Tornadoes, Straight-line Winds, and Flooding FIL-6-2017
December 19, 2016 Tennessee Guidance to Help Financial Institutions and to Facilitate Recovery in Areas of Tennessee Affected by Wildfires FIL-80-2016
November 4, 2016 Virginia

Guidance to Help Financial Institutions and to Facilitate Recovery in Areas of Virginia Affected by Hurricane Matthew

 FIL-74-2016
October 24, 2016 All FDIC-supervised institutions with loans secured by real estate in the affected areas in Louisiana Exception from Appraisal Requirements in Certain Disaster Areas in Louisiana FIL-70-2016
October 18, 2016 Florida, Georgia Guidance to Help Financial Institutions and Facilitate Recovery in Areas in Florida and Georgia Affected by Hurricane Matthew FIL-69-2016
October 17, 2016 South Carolina Guidance to Help Financial Institutions and to Facilitate Recovery in Areas of South Carolina Affected by Hurricane Matthew FIL-67-2016
October 11, 2016 North Carolina Guidance to Help Financial Institutions and to Facilitate Recovery in Areas of North Carolina Affected by Hurricane Matthew FIL-64-2016
October 6, 2016 Florida Guidance to Help Financial Institutions and to Facilitate Recovery in Areas of Florida Affected by Hurricane Hermine FIL-62-2016
September 1, 2016 Louisiana

Meeting the Financial Needs of Customers Affected by Storms and Flooding in Louisiana

 FIL-59-2016
August 15, 2016 Louisiana Guidance to Help Financial Institutions and to Facilitate Recovery in Areas of Louisiana Affected by Severe Storms and Flooding FIL-54-2016
June 28, 2016 West Virginia Guidance to Help Financial Institutions and to Facilitate Recovery in Areas of West Virginia Affected by Severe Storms, Flooding, Landslides, and Mudslides FIL-41-2016
June 14, 2018 Texas Guidance to Help Financial Institutions and to Facilitate Recovery in Areas of Texas Affected by Severe Storms and Flooding FIL-38-2016
April 26, 2016 Texas

Guidance to Help Financial Institutions and to Facilitate Recovery in Areas of Texas Affected by Severe Storms and Flooding

 FIL-29-2016
April 7, 2016 Mississippi

Guidance to Help Financial Institutions and to Facilitate Recovery in Areas of Mississippi Affected by Severe Storms and Flooding

 FIL-27-2016
April 7, 2016 Texas

Guidance to Help Financial Institutions and to Facilitate Recovery in Areas of Texas Affected by Severe Storms, Tornadoes and Flooding

 FIL-26-2016
March 15, 2016 Louisiana

Guidance to Help Financial Institutions and to Facilitate Recovery in Areas of Louisiana Affected by Severe Storms and Flooding

 FIL-20-2016
February 9, 2016 Arkansas Guidance to Help Financial Institutions and to Facilitate Recovery in Areas of Arkansas Affected by Severe Storms, Tornadoes, Straight-Line Winds, and Flooding FIL-11-2016
January 28, 2016 Missouri Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Missouri Affected by Severe Storms, Straight-Line Winds, and Flooding FIL-8-2016
January 5, 2016 Mississippi

Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Mississippi Affected by Severe Storms, Tornadoes, Straight-Line Winds, and Flooding

 FIL-1-2016