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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 Capital Standards
Clarification of the Risk Weights for FDIC Claims and Guarantees
February 26, 2010

Summary: The federal banking agencies (the Federal Deposit Insurance Corporation (FDIC), the Office of the Comptroller of the Currency, the Federal Reserve Board, and the Office of Thrift Supervision) are clarifying the risk weights for claims on or guaranteed by the FDIC for purposes of banking organizations' risk-based capital requirements.

  • Direct claims on and claims unconditionally guaranteed by the FDIC may be assigned a zero percent risk weight.
  • Exposures that are covered by a conditional guarantee, such as FDIC loss-sharing agreements, which include contractual conditions that acquirers must meet, may be assigned a 20 percent risk weight.

FDIC-Supervised Banks (Commercial and Savings)

Suggested Routing:
Chief Executive Officer
Chief Financial Officer
Chief Accounting Officer

Related Topics:
Risk-Based Capital Rules
12 CFR Part 325

Joint Agency Statement

Nancy Hunt, Acting Associate Director, Division of Supervision and Consumer Protection, at or (202) 898-6643

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 financial institution letters may be obtained through the FDIC's Public Information Center, 3501 Fairfax Drive, E-1002, Arlington, VA 22226 (1-877-275-3342 or 703-562-2200).

Last Updated 11/14/2018

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