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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-37-2023 Estimated Uninsured Deposits Reporting Expectations Call Reports and Deposit Insurance Assessments
FIL-36-2023 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Vermont Affected by Severe Storms and Flooding Disaster Relief
FIL-35-2023 2022 Financial Institution Diversity Self-Assessments: Voluntary Self-Assessments Accepted Now through September 30, 2023 Miscellaneous
FIL-34-2023 Interagency Policy Statement on Prudent Commercial Real Estate Loan Accommodations and Workouts Supervisory Guidance
FIL-33-2023 Consolidated Reports of Condition and Income for Second Quarter 2023 Call Reports and Other FFIEC Related Forms and Reports
FIL-32-2023 FDIC Clarifying Supervisory Approach Regarding Supervisory Guidance on Multiple Re-Presentment NSF Fees Supervisory Guidance
FIL-31-2023 Revisions to the Consolidated Reports of Condition and Income (Call Reports) and the FFIEC 002 Report Call Reports
FIL-30-2023 Notice of Proposed Interagency Guidance on Reconsiderations of Value of Residential Real Estate Valuations Supervisory Guidance
FIL-29-2023 Interagency Guidance on Third-Party Relationships: Risk Management Supervisory Guidance
FIL-27-2023 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Guam Affected by Typhoon Mawar Disaster Relief
FIL-28-2023 FDIC’s Office of the Ombudsman publishes 2022 Services and Activities Report Miscellaneous
FIL-26-2023 Request for Comments on Real Estate Valuations: Quality Control Standards for Automated Valuation Models Laws and Regulations
FIL-25-2023 Summary of Deposits Survey and Filing for June 30, 2023 Summary of Deposits and Assessment Related Forms and Reports
FIL-23-2023 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Florida Affected by Severe Storms, Tornadoes, and Flooding Disaster Relief
FIL-22-2023 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Oklahoma Affected by Severe Storms, Straight-line Winds, and Tornadoes Disaster Relief
FIL-21-2023 Securities Transaction Settlement Cycle Laws and Regulations
FIL-20-2023 Joint Statement on Completing the LIBOR Transition Supervisory Guidance
FIL-19-2023 Supervisory Guidance on Charging Overdraft Fees for Authorize Positive, Settle Negative Transactions Supervisory Guidance
FIL-18-2023 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Indiana Affected by Severe Storms, Straight-line Winds, and Tornadoes Disaster Relief
FIL-17-2023 Interagency Policy Statement on Allowances for Credit Losses (Revised April 2023) Supervisory Guidance
FIL-15-2023 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of California Affected by Severe Winter Storms, Straight-line Winds, Flooding, Landslides and Mudslides Disaster Relief
FIL-16-2023 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Tennessee Affected by Severe Storms, Straight-line Winds, and Tornadoes Disaster Relief
FIL-13-2023 FDIC Consumer Compliance Supervisory Highlights Miscellaneous
FIL-14-2023 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Arkansas Affected by Severe Storms and Tornadoes Disaster Relief
FIL-12-2023 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Mississippi Affected by Severe Storms, Straight-line Winds and Tornadoes Disaster Relief