FDIC Law, Regulations, Related Acts

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5000 - Statements of Policy

FEDERAL DEPOSIT INSURANCE CORPORATION STATEMENTS OF POLICY
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SUBJECT INDEX

Subject	Title
Account management	Uniform Retail Credit Classification and Account Management Policy
Activities	FDIC Statement of Policy on the Applicability of the Glass-Steagall Act to Securities Activities of Subsidiaries of Insured Nonmember Banks
Acts	Administrative Enforcement of Truth in Lending Act—Restitution
	Equal Credit Opportunity and Fair Housing Acts Enforcement Policy Statement
	FDIC Statement of Policy on the Applicability of the Glass-Steagall Act to Securities Activities of Subsidiaries of Insured Nonmember Banks
	FFIEC Policy Statement—Prescreening by Financial Institutions and the Fair Credit Reporting Act
	National Environmental Policy Act Procedures Related to Filings Made with FDIC
	National Historic Preservation Act of 1966
Allowance for loan and lease losses	Policy Statement on Allowance for Loan and Lease Losses Methodologies and Documentation for Banks and Savings Institutions
	Interagency Policy Statement on the Allowance for Loan and Lease Losses (ALLL)
Alternative dispute resolution	Statement of Policy on Alternative Dispute Resolution
	Statement of Policy on the Use of Binding Arbitration
Annual stress test	Policy Statement on the Principles for Development and Distribution of Annual Stress Test Scenarios
Appeals	Guidelines for Appeals of Deposit Insurance Assessment Determinations
	Guidelines for Appeals of Material Supervisory Determinations
{5000toc}Applications for deposit insurance	Applications for Deposit Insurance
Appraisals	Interagency Appraisal and Evaluation Guidelines
Auditing Programs	Interagency Advisory on the Unsafe and Unsound Use of Limitation of Liability Provisions in External Audit Engagement Letters
	Interagency Policy Statement on Coordination and Communication Between External Auditors and Examiners
	Interagency Policy Statement on External Auditing Programs of Banks and Savings Associations
	Interagency Policy Statement on the Internal Audit Function and Its Outsourcing
Basic financial services	Joint Policy Statement on Basic Financial Services
Branch closing	Policy Statement of the FRB, OCC, FDIC, and OTS Concerning Branch Closing Notices and Policies
Bribery	Guidelines for Compliance with Federal Bank Bribery Law
Civil money penalties	Interagency Policy Regarding the Assessment of Civil Money Penalties by the Federal Financial Institutions Regulatory Agencies
Collateral security	Statement of Policy Regarding the Treatment of Security Interests After Appointment of the FDIC as Conservator or Receiver
Collateralized put obligations	Statement of Policy Regarding Treatment of Collaterized Put Obligations After Appointment of the FDIC as Conservator or Receiver
Commonly controlled depository institutions	Statement of Policy Regarding Liability of Commonly Controlled Depository Institutions
Compensation	Guidance on Sound Incentive Compensation Policies
Complex structured finance transactions	Interagency Statement on Sound Practices Concerning Elevated Risk Complex Structured Finance Activities
Correspondent Concentration Risks	Correspondent Concentration Risks
Consumer Compliance Rating System	Uniform Interagency Consumer Compliance Rating System
Covered Bonds	Covered Bond Policy
Credit classification	Uniform Retail Credit Classification and Account Management Policy
Directors and officers	Statement Concerning the Responsibilities of Bank Directors and Officers
Discrimination	FFIEC on Behalf of Its Constituent Agencies—Joint Notice of Policy Statement on Discrimination
	Policy Statement on Discrimination in Lending
Enforcement	Administrative Enforcement of Truth in Lending Act—Restitution
	Equal Credit Opportunity and Fair Housing Acts Enforcement Policy Statement
	Interagency Notification and Coordination of Enforcement Actions by the Federal Banking Regulatory Agencies
	Interagency Policy Regarding the Assessment of Civil Money Penalties by the Federal Financial Institutions Regulatory Agencies
Environmental risk	Guidelines for an Environmental Risk Program
Equal Credit Opportunity Act	Equal Credit Opportunity and Fair Housing Acts Enforcement Policy Statement
Examination	Interagency Policy Statement on Coordination and Communication Between External Auditors and Examiners
	Interagency Policy Statement on the Internal Audit Function and Its Outsourcing
	Interagency Policy Statement on Examination Coordination and Implementation Guidelines
Fair Credit Reporting Act	FFIEC Policy Statement—Prescreening by Financial Institutions and the Fair Credit Reporting Act
Fair Housing Act	Equal Credit Opportunity and Fair Housing Acts Enforcement Policy Statement
Foreclosure consent	Statement of Policy on Foreclosure Consent and Redemption Rights
Funding and Liquidity Risk	Interagency Policy Statement on Funding and Liquidity Risk Management
Glass-Steagall Act	FDIC Statement of Policy on the Applicability of the Glass-Steagall Act to Securities Activities of Subsidiaries of Insured Nonmember Banks
Gold	Gold
Holding companies	Interagency Policy Statement on Income Tax Allocation in a Holding Company Structure
Income tax allocation	Interagency Policy Statement on Income Tax Allocation in a Holding Company Structure
Integrity	Policy Statement on Fitness and Integrity of Lessors of Real Property to the FDIC
Interest rate risk	Joint Policy Statement on Interest Rate Risk
Investment products	Interagency Statement on Retail Sales of Nondeposit Investment Products
	Joint Interpretations of the Interagency Statement on Retail Sales of Nondeposit Investment Products
Investment securities	Supervisory Policy Statement on Investment Securities and End-User Derivatives Activities
Leases	Policy Statement on Securing Leased Space
Lessors	Policy Statement on Fitness and Integrity of Lessors of Real Property to the FDIC
Letters of Credit	Statement of Policy Regarding Treatment of Collateralized Letters of Credit After Appointment of the FDIC as Conservator or Receiver
Loan documentation	Interagency Policy Statement on Documentation for Loans to Small- and Medium-Sized Businesses and Farms
Merger transactions	FDIC Statement of Policy; Bank Merger Transactions
Minority ownership	Policy Statement Regarding Minority Depository Institutions
National Environmental Policy Act	National Environmental Policy Act Procedures Related to Filings Made with FDIC
National Historic Preservation Act of 1966	National Historic Preservation Act of 1966
Nontraditional Mortgages	Interagency Guidance on Nontraditional Mortgage Product Risks
Offering circulars	Statement of Policy Regarding Use of Offering Circulars in Connection with Public Distribution of Bank Securities
Prescreening	FFIEC Policy Statement—Prescreening by Financial Institutions and the Fair Credit Reporting Act
Qualified financial contracts	FDIC Statement of Policy on Qualified Financial Contracts
Real estate	Policy Statement on Fitness and Integrity of Lessors of Real Property to the FDIC
Receivership	Statement of Policy Regarding Federal Common Law and Statutory Provisions Protecting FDIC, as Receiver or Corporate Liquidator, Against Unrecorded Agreements or Arrangements of a Depository Institution Prior to Receivership
	Statement of Policy Regarding the Treatment of Security Interests After Appointment of the FDIC as Conservator or Receiver
	Statement of Policy Regarding Treatment of Collateralized Letters of Credit After Appointment of the FDIC as Conservator or Receiver
	Statement of Policy Regarding Treatment of Collateralized Put Obligations After Appointment of the FDIC as Conservator or Receiver
Redemption rights	Statement of Policy on Foreclosure Consent and Redemption Rights
Regulations	Development and Review of FDIC Regulations and Policies
Repurchase agreements	FFIEC Supervisory Policy—Repurchase Agreements of Depository Institutions with Securities Dealers and Others
Responsibilities	Statement Concerning the Responsibilities of Bank Directors and Officers
Restitution	Administrative Enforcement of Truth in Lending Act—Restitution
Section 19	FDIC Statement of Policy for Section 19 of the Federal Deposit Insurance Act
Securities	Statement of Policy Regarding Use of Offering Circulars in Connection with Public Distribution of Bank Securities
Securities dealers	FFIEC Supervisory Policy—Repurchase Agreements of Depository Institutions with Securities Dealers and Others
Securities Lending	FFIEC Supervisory Policy—Securities Lending
Small- and Medium-sized businesses and farms	Interagency Policy Statement on Documentation for Loans to Small- and Medium-Sized Businesses and Farms
Sound practices	Interagency Statement on Sound Practices Concerning Elevated Risk Complex Structured Finance Activities
Space	Policy Statement on Securing Leased Space
State and local taxes	FDIC Statement of Policy Regarding the Payment of State and Local Property Taxes
Subprime lending	Illustrations of Consumer Informaiton for Hybrid Adjustable Rate Mortgage Products
	Interagency Guidance on Subprime Lending
	Statement on Subprime Mortgage Lending
Subsidiaries	FDIC Statement of Policy on the Applicability of the Glass-Steagall Act to Securities Activities of Subsidiaries of Insured Nonmember Banks
Taxes	FDIC Statement of Policy Regarding the Payment of State and Local Property Taxes
Truth in Lending	Administrative Enforcement of Truth in Lending Act—Restitution
Uniform Financial Institutions Rating System	Uniform Financial Institutions Rating System
Unrecorded agreements	Statement of Policy Regarding Federal Common Law and Statutory Provisions Protecting FDIC, as Receiver or Corporate Liquidator, Against Unrecorded Agreements or Arrangements of a Depository Institution Prior to Receivership

Index to Compliance Statements of Policy

Title
Joint Policy Statement on Basic Financial Services
Policy Statement Concerning Branch Closing Notices and Policies
Uniform Interagency Consumer Compliance Rating System
Policy Statement on Discrimination in Lending
Equal Credit Opportunity and Fair Housing Acts Enforcement Policy Statement
FFIEC Policy Statement—Prescreening by Financial Institutions and the Fair Credit Reporting Act
Administrative Enforcement of the Truth in Lending Act—Restitution

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Last updated September 16, 2013

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