Laws and Regulations
Key laws and regulations that pertain to FDIC-supervised institutions; note that other laws and regulations also may apply.
- Section 10(b) of the Federal Deposit Insurance (FDI) Act provides the authority to conduct examinations of State nonmember banks and special examinations of any insured depository institution or nonbank financial company
- Section 10(d) of the FDI Act generally requires a full-scope, on-site examination at least once every 12 months, but permits a longer cycle for banks that meet certain criteria
- Appendix A to Part 364 — Interagency Guidelines Establishing Standards for Safety and Soundness (ecfr.gov) addresses operational and managerial standards for safety and soundness
- Appendix B to Part 364 — Interagency Guidelines Establishing Information Security Standards (ecfr.gov) addresses administrative, technical, and physical safeguards to protect customer information
- The Bank Service Company Act establishes FDIC regulation and examination authority over certain service providers
- Part 309 — Disclosure of Information (ecfr.gov) outlines the confidentiality of examination findings and establishes that the information may not be disclosed to non-related third parties without prior regulatory approval
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.
- Risk Management Manual of Examination Policies details processes, concepts, and ratings used to evaluate a bank’s overall safety and soundness and compliance with laws and regulations
- Consumer Compliance Examination Manual details processes, concepts, and ratings used to evaluate compliance with federal consumer protection laws, fair lending statutes, and the Community Reinvestment Act
- Federal Financial Institutions Examination Council (FFIEC) Bank Secrecy Act/Anti-Money Laundering (BSA/AML) InfoBase provides access to the BSA/AML Examination Manual and related resources
- FFIEC Information Technology (IT) Examination Handbook InfoBase provides access to the FFIEC IT Booklets and WorkPrograms used to evaluate bank and service provider risk management processes
- Trust Examination Manual outlines practices used to evaluate trust operations and determine if policies or account administration processes may result in contingent liabilities or estimated losses that could damage capital protection
- Appeals of Material Supervisory Determinations: Guidelines & Decisions describes the types of determinations that are eligible for review and the process by which appeals will be considered and decided
- Formal and Informal Enforcement Actions Manual provides information about formal and informal corrective actions used to address weak operating practices, deteriorating financial condition, or other actionable misconduct
- Applications Procedures Manual provides direction for professional staff assigned to review and process most applications, notices, and other requests (filings) submitted to the FDIC
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 Highlights 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.
- The Overview of the FDIC and the Examination Process technical assistance video provides an overview of the FDIC, the FDIC’s mission, and the examination process.
The FDIC’s Technical Assistance Video Program includes educational videos designed to provide bank directors, officers, and employees with useful information about areas of supervisory focus and regulatory changes.