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Federal Deposit
Insurance Corporation

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

Since 1933, no depositor has lost a penny of FDIC-insured funds

Financial Institution Letters

December 19, 2018

Reciprocal Deposit Rulemaking and Request for Comments on Brokered Deposit and Interest Rate Restriction Issues

Printable Format:

FIL-87-2018 - PDF (PDF Help)


On December 18, 2018, the FDIC Board of Directors authorized publication of (1) the attached final rule on the treatment of reciprocal deposits, and (2) the attached advance notice of proposed rulemaking (ANPR) inviting comment on all aspects of the FDIC's brokered deposit and interest rate regulations.

Statement of Applicability to Institutions with Total Assets under $1 Billion: This Financial Institution Letter applies to all FDIC-insured financial institutions.


Final Rule:

Advance Notice of Proposed Rulemaking:

Suggested Distribution:

Suggested Routing:

Related Topics:




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

To receive FILs electronically, please visit

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

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