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Financial Institution Letters

September 24, 2019

Listening Sessions on Supervisory Appeals and Dispute Resolution Processes

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FIL-52-2019 - PDF (PDF Help)


As part of the FDIC's "Trust through Transparency" initiative, the agency will host a series of listening sessions regarding its supervisory appeals and dispute resolution processes for FDIC-supervised financial institutions. The sessions will offer an opportunity for bankers and other interested parties to provide individual input and recommendations regarding these processes, as well as to provide individual suggestions regarding the role of the Office of the Ombudsman in assisting in resolving disagreements. Attendees will be requested to provide suggestions on information that the agency could publish on these topics. The sessions are being held as part of the FDIC's efforts to enhance the agency's transparency, efficiency, and accountability.

Statement of Applicability to Institutions under $1 Billion in Total Assets: This Financial Institution Letter applies to all FDIC-supervised institutions.


Continuation of FIL-52-2019


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Financial Institution Letters
September 24, 2019

Why the FDIC Wants to Listen to Supervised Institutions and Other Interested Parties About Supervisory Determinations


Section 309(a) of the Riegle Community Development and Regulatory Improvement Act of 1994 required the Federal Deposit Insurance Corporation (FDIC), as well as the other federal banking agencies and the National Credit Union Administration Board, to establish an independent intra-agency appellate process to review material supervisory determinations. The statute requires the FDIC to ensure that appeals of material supervisory determinations by insured depository institutions are heard and decided expeditiously, and that appropriate safeguards exist for protecting appellants from retaliation by agency examiners.

Since 1995 the FDIC's Board of Directors has adopted guidelines for appeals of material supervisory determinations, most recently in July 20171. The current version of Guidelines for Appeals of Material Supervisory Determinations is available on the FDIC's website.

The FDIC also has an informal process for institutions wanting to obtain a review by the relevant Division Director of matters that cannot be appealed under the Guidelines or under another existing FDIC appeals or administrative process. FIL-51-2016, Reminder on FDIC Examination Findings (July 29, 2016), addresses this process.

Listening Sessions on Supervisory Appeals and Dispute Resolution Processes

The FDIC seeks comments from FDIC-supervised institutions and other interested parties on all aspects of its approach to appeals and dispute resolution related to material supervisory determinations. The FDIC will host listening sessions across the country in each of its regions. Participation in these sessions is voluntary and open to FDIC-supervised institutions and other interested parties.


Each listening session will include an overview of the FDIC's current appeals process and a request for comments and recommendations from participants on enhancing the supervisory appeals and dispute resolution processes. Additionally, feedback will be used to advance the FDIC's efforts in building trust and confidence through openness and accountability. Participants may register for any one of the eight sessions.

1 See 82 Fed. Reg. 34,522 (July 25, 2017). The July 2017 Federal Register notice provides additional background on the Guidelines adopted by the FDIC's Board of Directors in 1995, as well as subsequent amendments to the Guidelines in 2004, 2008, 2010, and 2012.