acknowledges the difficult challenges that banks face at this time and
supports bank management's goals of financial strength and safe-and-sound
operation to protect the institution's depositors and its long-term success.
the FDIC will reinforce its message about the FDIC's balanced approach to
supervision and the need to be fair and objective.
expects that its communications with bankers will be professional, balanced,
and fair in tone and content.
encourages banks to provide feedback on FDIC supervisory programs and to
seek clarity in the Corporation's findings and recommendations as necessary.
with concerns about FDIC examination findings should discuss these matters
with the examiner-in-charge or contact the appropriate field office or
regional office personnel, if necessary.
discussions do not resolve banks' concerns about FDIC examination findings,
an institution may pursue an appeal under the FDIC's formal appeals process
for material supervisory determinations.
institutions with concerns about their interactions with the Corporation may
also contact the Director of the appropriate supervision division or the
FDIC Office of the Ombudsman, which provides a confidential, neutral, and
independent source of information and assistance.
prohibits any retaliation, abuse, or retribution by an agency examiner or
any FDIC personnel against an institution. Institutions that believe they
have been retaliated against are encouraged to contact the Regional Director
for the appropriate FDIC region and may file a complaint with the FDIC
Office of the Ombudsman.
Banks (Commercial and Savings)
Chief Executive Officer
Appeals of Material Supervisory Determinations: Guidelines & Decisions:
Reminder on FDIC Examination Findings (Printable – PDF) (PDF
Senior Examination Specialist William R. Baxter,
(202) 898-8514 or firstname.lastname@example.org
FDIC Office of the Ombudsman, at
(877) 275-3342 or email@example.com
FDIC financial institution letters (FILs) may be accessed from the FDIC's Web
site at www.fdic.gov/news/news/financial/2011/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).