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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-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-28-2019 Summary of Deposits Survey
FIL-28-2016 Small Bank Pricing
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
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-3-2012 Payment Processor Relationships Revised Guidance (Revised July 2014)
FIL-56-2010 Guidance on Mitigating Risk Posed by Information Stored on Photocopiers, Fax Machines and Printers
FIL-25-2006 Influenza Pandemic Preparedness Interagency Advisory
FIL-31-2001 Interagency Guidance on Accounting and Reporting for Certain Loans Held for Sale
FIL-35-2013 Banking Agencies Encourage Financial Institutions to Work with Student Loan Borrowers Experiencing Financial Difficulties
FIL-49-2010 Final Rule Conforming FDIC Regulations on Deposit Insurance Coverage and Advertisement of Membership to Permanent Standard Maximum Deposit Insurance Amount of $250,000
FIL-128-2008 Interagency Statement on Meeting the Needs of Creditworthy Borrowers
FIL-35-2007 Working With Residential Borrowers FDIC Encourages Institutions to Consider Workout Arrangements for Borrowers Unable to Make Mortgage Payments
FIL-45-2005 Home Equity Lending Credit Risk Management Guidance
FIL-21-2003 INTERNAL AUDITS
FIL-106-2001 PRIVACY OF CONSUMER FINANCIAL INFORMATION
FIL-52-2016 FDIC Seeks Comment on Bank Appeals Guidelines
FIL-24-2016 Supplemental Guidance Related to the FDIC Statement of Policy on Applications for Deposit Insurance
FIL-61-95 Interpretations of the Interagency Statement on Retail Sales of Nondeposit Investment Products
FIL-19-2019 Technology Service Provider Contracts