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Banker Resource Center

Examination Processes and Procedures

The FDIC examines banks using a risk-focused approach to assess safety and soundness and consumer protection, Community Reinvestment Act (CRA) performance, and adherence to laws and regulations. This process balances evaluating a bank’s condition at a certain point in time with assessing risk management and consumer protection processes for all phases of the economic cycle, including the ability to respond to changing market conditions.

Examinations are a key component of the supervisory process and help maintain stability and public confidence in the nation's financial system. By identifying and understanding the cause and severity of problems at individual banks and identifying emerging risks in the financial-services industry, the FDIC is able to develop effective corrective measures for individual banks, and broader supervisory strategies for the industry.

Laws and Regulations

Key laws and regulations that pertain to FDIC-supervised institutions; note that other laws and regulations also may apply.

Supervisory Resources

Frequently asked questions, advisories, statements of policy, and other information issued by the FDIC alone, or on an interagency basis, provided to promote safe-and-sound operations.

Other Resources

Supplemental information and guidance related to safe and sound banking operations.

  • Supervisory Insights features articles that focus on sound principles and practices for bank supervision
  • Consumer Compliance Supervisory Insights provides an overview of consumer compliance performance at FDIC supervised banks, observations regarding findings related to consumer protection laws, and addresses regulatory developments

Videos/Webcasts/Teleconferences

Informational videos and recordings of prior webcasts and teleconferences.