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Federal Deposit
Insurance Corporation

Each depositor insured to at least $250,000 per insured bank

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Inactive Financial Institution Letters

Regulatory Relief
Guidance to Help Financial Institutions in Areas Affected by Wildfires
December 30, 2005

Summary: The Federal Deposit Insurance Corporation (FDIC) has announced a series of steps intended to facilitate the rebuilding process in areas damaged by recent wildfires in Oklahoma and Texas.

  • The recent wildfires have resulted in considerable damage to the public infrastructure, structures, equipment and land in the affected areas of Oklahoma and Texas.
  • The FDIC is encouraging banks to work constructively with borrowers who, because of these natural disasters, are experiencing difficulties beyond their control.
  • Extending repayment terms, restructuring existing loans or easing terms for new loans, if done in a manner consistent with sound banking practices, can contribute to the health of the community and serve the long-term interests of the lending institution.
  • The FDIC will also consider regulatory relief from certain filing and publishing requirements.

FDIC-Supervised Banks (Commercial and Savings) in Oklahoma and Texas

Suggested Routing:
Chief Executive Officer
Compliance Officer
Chief Lending Officer

Related Topics:
Publishing Requirements
Consumer Laws

Supervisory Practices Regarding Depository Institutions and Borrowers Affected by the Wildfires

For Oklahoma Institutions:
Assistant Regional Director Wayne Nichols
972-761-2067 or

For Texas Institutions:
Assistant Regional Director Cheryl Couch
972-761-2030 or

Printable Format:
FIL-130-2005 - PDF 32k (PDF Help)

FDIC Financial Institution Letters (FILs) may be accessed from the FDIC's Web site at

To receive FILs electronically, please visit

Paper copies of FDIC FILs may be obtained through the FDIC's Public Information Center, 801 17th Street, NW, Room 100, Washington, DC 20434 (1-877-275-3342 or (703) 562-2200).

Last Updated 12/30/2005

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