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Financial Institution Letter
Regulatory Capital Standards Clarification of the Risk Weights for FDIC Claims and Guarantees
February 26, 2010
Notes
 
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.

Highlights:
  • 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.

Distribution:
FDIC-Supervised Banks (Commercial and Savings)

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

Note:
FDIC financial institution letters (FILs) may be accessed from the FDIC's Web site at www.fdic.gov/news/financial-institution-letters/2010/index.html .

To receive FILs electronically, please visit http://www.fdic.gov/about/subscriptions/fil.html .

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).

Additional Related Topics:

  • Risk-Based Capital Rules
  • 12 CFR Part 325
FIL-7-2010
Attachments
Joint Agency Statement
Last Updated: February 26, 2010