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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-71-2007 Bank Secrecy Act Interagency Statement on Enforcement of Bank Secrecy Act/Anti-Money Laundering Requirements
FIL-103-2004 Internet Banking Fraud
FIL-68-99 Risk Assessment Tools And Practices For Information System Security
FIL-27-2015 Interagency Consumer Compliance Examination Procedures for Truth in Lending Act (Regulation Z) and Real Estate Settlement Procedures Act (Regulation X) Mortgage Rules
FIL-53-2014 Interagency Guidance on Leveraged Lending: Frequently Asked Questions (FAQS)
FIL-56-2013 Social Media: Consumer Compliance Risk Management Guidance
FIL-81-2010 Overdraft Payment Programs and Consumer Protection Final Overdraft Payment Supervisory Guidance
FIL-13-2010 Funding and Liquidity Risk Management Interagency Guidance
FIL-20-2009 Risk Management of Investments in Structured Credit Products
FIL-64-2007 Market Risk Capital Applicability of Market Risk Capital Rules
FIL-4-2004 New Anti-Money Laundering Guidance
FIL-49-99 Bank Service Company Act
FIL-23-2010 Lapse of FEMA Authority to Issue Flood Insurance Policies
FIL-16-2017 FDIC Announces a New Resource for Community Banks: Affordable Mortgage Lending Guide, Part III: Federal Home Loan Banks
FIL-34-2016 Incentive-Based Compensation Arrangements
FIL-7-2016 Small Bank Pricing
FIL-71-2008 Supervisory Review Process of Capital Adequacy (pillar 2) Related to The Implementation of the Basel II Advanced Capital Framework
FIL-1-2004 Interagency Policy on Providing Financial Support to Advised Funds
FIL-20-99 Guidance on Subprime Lending
FIL-32-2007 Identity Theft
FIL-7-2019 FDIC Extends Comment Period Related to the Request for Information on the Deposit Insurance Application Process
FIL-25-2015 Small Bank Pricing
FIL-41-2014 FDIC Clarifying Supervisory Approach to Institutions Establishing Account Relationships with Third-Party Payment Processors
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