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Insurance Corporation

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

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Inactive Financial Institution Letters

Regulatory Capital Standards
Advance Notice of Proposed Rulemaking Regarding Alternatives to the Use of External Credit Ratings in Risk-Based Capital Guidelines of the Federal Banking Agencies
August 16, 2010

Summary: The FDIC and the other federal banking agencies are requesting comment on alternative standards of creditworthiness to replace the use of credit ratings in the risk-based capital requirements. The comment period for the attached Advance Notice of Proposed Rulemaking (ANPR) will be 60 days after its publication in the Federal Register.

  • The Dodd-Frank Wall Street Reform and Consumer Protection Act requires the FDIC and the other federal banking agencies to review regulations that require an assessment of the creditworthiness of a security or money market instrument and contain references to or requirements regarding credit ratings. The agencies also are required to remove such requirements that refer to or rely on credit ratings and substitute in their place uniform standards of creditworthiness.
  • This ANPR seeks comment on standards of creditworthiness, other than credit ratings, that may be used in the agencies' risk-based capital rules.
  • Commenters' views are solicited on the feasibility of implementing the alternative approaches included in this ANPR and any other methodologies.

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

Summary of the ANPR (Advance Notice of Proposed Rulemaking) (PDF Help)

Bobby Bean, Chief, Policy Section, at or (202) 898-6705
Ryan Billingsley, Senior Policy Analyst, at or (202) 898-3797

Printable Format:
FIL-52-2010 - PDF (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 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 8/16/2010

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