Highlights: 

• Agencies are working with other state agencies and industry groups to identify customer needs and monitor institutions’ restoration progress.
• Waiving ATM, overdraft, and late fees; extending repayment terms; restructuring existing loans or easing terms for new loans; deferring payments; easing credit card limits; and easing restrictions on check cashing can contribute to the health of the community and serve the long-term interests of the institution.
• Agencies are encouraging institutions to be reasonable in their approach to verifying the identity of displaced individuals.

Distribution: 
FDIC-Supervised Banks (Commercial and Savings) in the Atlanta and Dallas Regions 

Suggested Routing: 
Chief Executive Officer 
Compliance Officer 
Chief Lending Officer 
Chief Financial Officer/Cashier 

Assistant Regional Director Cheryl Couch at ccouch@fdic.gov or (972) 761-2070 (Louisiana); 

Assistant Regional Director Patricia Lenfert at plenfert@fdic.gov or (901) 821-5203 (Mississippi) 

Note: 
FDIC Financial Institution Letters (FILs) may be accessed from the FDIC's Web site at www.fdic.gov/news/financial-institution-letters/2005/index.html . 

To receive FILs electronically, please visit http://www.fdic.gov/about/subscriptions/fil.html . 

Paper copies of FDIC FILs may be obtained through the FDIC's Public Information Center, 801 17th Street, NW, Room 100, Washington, DC 20434 (1-877-275-3342 or (703) 562-2200).