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Financial Institution Letters
Financial Institution Letters (FILs) are addressed to the Chief Executive Officers of the financial institutions on the FIL's distribution list -- generally, FDIC-supervised institutions. FILs may announce new regulations and policies, new FDIC publications, and a variety of other matters of principal interest to those responsible for operating a bank or savings association.

Inactive FIL List

FDIC Statements of Policy

Previous Active FILs:
Search Active FILs:
FIL Number / Title Title Issue Date Category
FIL-62-2021 Extension of Comment Period for Proposed Interagency Guidance on Third-Party Relationships: Risk Management
FIL-34-2018 Community Bank Webinar: Current Expected Credit Losses Methodology Q&A Webinar for Community Bankers
FIL-30-2016 Updated Financial Institution Employee's Guide to Deposit Insurance
FIL-50-2013 Troubled Debt Restructurings Interagency Supervisory Guidance
FIL-28-2012 Interagency Guidance on Mortgage Servicing Practices Concerning Military Homeowners with Permanent Change of Station Orders
FIL-78-2010 Assessments Notice of Proposed Rulemaking
FIL-5-2010 Meeting the Credit Needs of Creditworthy Small Business Borrowers
FIL-96-2003 ELECTRONIC FILING OF BRANCH APPLICATIONS
FIL-22-2008 Managing Commercial Real Estate Concentrations in a Challenging Environment
FIL-78-2019 Bank Secrecy Act: Interagency Statement on Providing Banking Services to Customers Engaged in Hemp Production
FIL-52-2019 Listening Sessions on Supervisory Appeals and Dispute Resolution Processes
FIL-62-2015 Statement on Prudent Risk Management for CRE Lending
FIL-82-2018 Review Process for Draft Deposit Insurance Proposals
FIL-58-2018 Home Mortgage Disclosure Act (HMDA): Bureau of Consumer Financial Protection Interpretive and Procedural Rule on Partial Exemptions from HMDA Requirements
FIL-42-2021 FDIC Issues New Statement of Policy Regarding Minority Depository Institutions
FIL-24-2021 Updated Webpage For Revised Interest Rate Restrictions Applicable to Less Than Well Capitalized Institutions
FIL-70-2006 National Historic Preservation Act of 1966 -- Revisions to the FDIC Statement of Policy Regarding the National Historic Preservation Act
FIL-64-2005 "Pharming"
FIL-59-2003 USE OF THE FEDERAL RESERVE'S PRIMARY CREDIT PROGRAM IN EFFECTIVE LIQUIDITY MANAGEMENT
FIL-59-2021 Conducting Due Diligence on Financial Technology Companies: A Guide for Community Banks
FIL-31-2018 Volcker Rule: Prohibitions on Proprietary Trading and Certain Relationships with Hedge Funds or Private Equity Funds
FIL-8-2018 Community Bank Webinar: Implementation Examples for the Current Expected Credit Losses Methodology (CECL)
FIL-33-2014 Interagency Guidance on Home Equity Lines of Credit (HELOCs) Nearing Their End-of-Draw Period
FIL-4-2012 Allowance for Loan and Lease Losses Estimation Practices for Junior Liens on Residential Properties
FIL-21-2018 Electronic Fingerprinting for Background Checks Related to Applications