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Financial Institution Letters

July 15, 2014


Notice of Proposed Rulemaking

Printable Format:

FIL-37-2014 - PDF (PDF Help)


On July 15, 2014, the FDIC approved the attached Notice of Proposed Rulemaking (NPR) that would revise the FDIC's risk-based deposit insurance assessment system to reflect changes in the regulatory capital rules that go into effect in 2015 and 2018. For deposit insurance assessment purposes, the NPR would (1) revise the ratios and ratio thresholds relating to capital evaluations, (2) revise the assessment base calculation for custodial banks, and (3) require that all highly complex institutions measure counterparty exposure for assessment purposes using the standardized approach in the regulatory capital rules. The NPR proposes two effective dates for item 1: January 1, 2015, and January 1, 2018. The NPR proposes an effective date of January 1, 2015, for items 2 and 3. Comments on the NPR are due 60 days following publication of the NPR in the Federal Register.

Statement of Applicability to Institutions Under $1 Billion in Total Assets: This Financial Institution Letter applies to FDIC-insured institutions as follows: Item 1 applies to all institutions including those institutions under $1 billion in total assets, item 2 applies to all custodial banks including those institutions under $1 billion in total assets, and item 3 does not apply to institutions under $1 billion in total assets.



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FDIC Financial Institution Letters (FILs) are available on the FDIC's Web site at

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Paper copies may be obtained through the FDIC's Public Information Center, 3501 Fairfax Drive, E-1002, Arlington, VA 22226 (1-877-275-3342 or 703-562-2200).