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	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
	Applicability of the Glass-Steagall Act to Securities Activities of Subsidiaries of Insured Nonmember Banks
	National Environmental Policy Act Procedures Related to Filings Made with FDIC
	National Historic Preservation Act of 1966
Allowance for loan and lease losses	Allowance for Loan and Lease Losses Methodologies and Documentation for Banks and Savings Institutions
	Allowance for Loan and Lease Losses (ALLL) (Interagency)
Alternative dispute resolution	Alternative Dispute Resolution
	Use of Binding Arbitration
Annual stress test	Principles for Development and Distribution of Annual Stress Test Scenarios
	Implementing Dodd-Frank Act Company–Run Stress Tests for Banking Organizations with Total Consolidated Assets of More than $10 Billion but Less than $50 Billion
Appeals	Guidelines for Appeals of Deposit Insurance Assessment Determinations
	Guidelines for Appeals of Material Supervisory Determinations
Applications for deposit insurance	Applications for Deposit Insurance
	Supplemental Guidance Related to the FDIC Statement of Policy on Applications for Deposit Insurance
Acquisitions	Qualifications for Failed Bank Acquisitions
Appraisals	Appraisal and Evaluation Guidelines (Interagency)
Asset Securitizations	Implicit Recourse in Asset Securitizations
Auditing Programs	Advisory on the Unsafe and Unsound Use of Limitation of Liability Provisions in External Audit Engagement Letters (Interagency)
	Contracting with Firms that have Unresolved Audit Issues with FDIC
	Coordination and Communication Between External Auditors and Examiners (Interagency)
	External Auditing Programs of Banks and Savings Associations (Interagency)
	Independent External Auditing Programs of State Nonmember Banks
	Interagency Advisory on External Audits of Internationally Active U.S. Financial Institutions
	Internal Audit Function and Its Outsourcing (Interagency)
Basic financial services	Joint Policy Statement on Basic Financial Services
Branch closing	Branch Closing Notices and Policies (Interagency)
Bribery	Guidelines for Compliance with Federal Bank Bribery Law
Civil money penalties	Assessment of Civil Money Penalties (Interagency)
Collateral security	Treatment of Security Interests After Appointment of the FDIC as Conservator or Receiver
Collateralized put obligations	Treatment of Collaterized Put Obligations After Appointment of the FDIC as Conservator or Receiver
Commonly controlled depository institutions	Liability of Commonly Controlled Depository Institutions
Compensation	Guidance on Sound Incentive Compensation Policies
Complex structured finance transactions	Sound Practices Concerning Elevated Risk Complex Structured Finance Activities (Interagency)
Consumer Compliance Rating System	Uniform Interagency Consumer Compliance Rating System
Contracting	Contracting with Firms That Have Unresolved Audit Issues with FDIC
Correspondent Concentration Risks	Correspondent Concentration Risks
Covered Bonds	Covered Bond
Credit classification	Uniform Retail Credit Classification and Account Management Policy
	Unfair or Deceptive Credit Practices (Interagency Guidance)
Directors and officers	Responsibilities of Bank Directors and Officers
Discrimination	Discrimination (Interagency)
	Discrimination in Lending
Diversity	Assessing Diversity Policies and Practices of Entities Regulated by the Agencies (Interagency)
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
	Assessment of Civil Money Penalties (Interagency)
Environmental risk	Guidelines for an Environmental Risk Program
Equal Credit Opportunity Act	Equal Credit Opportunity and Fair Housing Acts Enforcement Policy Statement
Examination	Coordination and Communication Between External Auditors and Examiners (Interagency)
	Internal Audit Function and Its Outsourcing (Interagency)
	Examination Coordination and Implementation Guidelines (Interagency)
Failed Bank	Qualifications for Failed Bank Acquisitions
Fair Housing Act	Equal Credit Opportunity and Fair Housing Acts Enforcement Policy Statement
Foreclosure consent	Foreclosure Consent and Redemption Rights
Funding and Liquidity Risk	Funding and Liquidity Risk Management (Interagency)
	Interagency Guidance on funds Transfers Pricing Related to Funding and Contingent Liquidity Risks
Glass-Steagall Act	Applicability of the Glass-Steagall Act to Securities Activities of Subsidiaries of Insured Nonmember Banks
Gold	Gold
Holding companies	Income Tax Allocation in a Holding Company Structure (Interagency)
	Addendum to Interagency Policy Statement on Income Tax Allocation in a Holding Company Structure
Income tax allocation	Income Tax Allocation in a Holding Company Structure (Interagency)
Integrity	Fitness and Integrity of Lessors of Real Property to the FDIC
Interest rate risk	Interest Rate Risk (Interagency)
Investment products	Retail Sales of Nondeposit Investment Products (Interagency)
	Retail Sales of Nondeposit Investment Products (Joint Interprtations of the Interagency Statement)
Investment securities	Investment Securities and End-User Derivatives Activities
Leases	Securing Leased Space
Lessors	Fitness and Integrity of Lessors of Real Property to the FDIC
Letters of Credit	Treatment of Collateralized Letters of Credit After Appointment of the FDIC as Conservator or Receiver
Loan documentation	Documentation for Loans to Small- and Medium-Sized Businesses and Farms (Interagency)
Merger transactions	Bank Merger Transactions
Minority ownership	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	Nontraditional Mortgage Product Risks (Interagency Guidance)
Offering circulars	Use of Offering Circulars in Connection with Public Distribution of Bank Securities
Prepaid Cards	Interagency Guidance to Issuing Banks on Applying Customer Identification Program Requirements to Holders of Prepaid Cards
Qualified financial contracts	Qualified Financial Contracts
Real estate	Concentrations in Commercial Real Estate Lending, Sound Risk Management Practices
	Fitness and Integrity of Lessors of Real Property to the FDIC
Receivership	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
	Treatment of Security Interests After Appointment of the FDIC as Conservator or Receiver
	Treatment of Collateralized Letters of Credit After Appointment of the FDIC as Conservator or Receiver
	Treatment of Collateralized Put Obligations After Appointment of the FDIC as Conservator or Receiver
Redemption rights	Foreclosure Consent and Redemption Rights
Regulations	Development and Review of FDIC Regulations and Policies
Repurchase agreements	Repurchase Agreements of Depository Institutions with Securities Dealers and Others (FFIEC Supervisory Policy)
Responsibilities	Responsibilities of Bank Directors and Officers
Restitution	Administrative Enforcement of Truth in Lending Act— Restitution
Section 19	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	Repurchase Agreements of Depository Institutions with Securities Dealers and Others (FFIEC Supervisory Policy)
Securities Lending	Securities Lending (FFIEC Supervisory Policy)
Small- and Medium-sized businesses and farms	Documentation for Loans to Small- and Medium-Sized Businesses and Farms (Interagency)
Sound practices	Sound Practices Concerning Elevated Risk Complex Structured Finance Activities (Interagency)
Space	Securing Leased Space
State and local taxes	Payment of State and Local Property Taxes
Subprime lending	Illustrations of Consumer Informaiton for Hybrid Adjustable Rate Mortgage Products
	Subprime Lending (Interagency)
	Subprime Mortgage Lending
Subsidiaries	Applicability of the Glass-Steagall Act to Securities Activities of Subsidiaries of Insured Nonmember Banks
Taxes	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
Administrative Enforcement of the Truth in Lending Act—Restitution
	Interagency Policy Statement Establishing Joint Standards for Assessing the  Diversity Policies and Practices of Entities Regulated by the Agencies

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