Transparency & Accountability - Bank Examinations
Through regular on-site examinations and contact with state nonmember institutions, FDIC staff regularly talk with banks to ensure that their policies to manage credit risk, liquidity risk, and interest-rate risk are effective. Where appropriate, FDIC staff work with institutions that have significant exposure to these risks and encourage them to take appropriate risk-mitigating steps. Learn more about the policies and guidelines used to examine banks, examination performance metrics, and resources for examiners and bankers.
For further questions about examination policies and processes, please contact Supervision@fdic.gov.
| Total | |
|---|---|
| Median Days | 52 |
| Goal | 75 |
| Percent Meeting Goal | 87.60% |
*Independent and Concurrent Exams
| Total | |
|---|---|
| Median Days | 42 |
| Goal | 120 |
| Percent Meeting Goal | 97.70% |
**Compliance/Community Reinvestment Act and Compliance-Only Exams
| Favorably Rated |
Unfavorably Rated |
Total | |
|---|---|---|---|
| Median Days | 20 | 33 | 21 |
| Goal | 45 | 45 | 45 |
| Percent Meeting Goal | 94.60% | 73.00% | 93.70% |
*Independent and Concurrent Exams
| < $1 Billion | ≥ $1 Billion | CFPB Supervised |
|
|---|---|---|---|
| Median Days | 10 | 13 | 5 |
| Goal | 21 | 28 | 14 |
| Percent Meeting Goal | 89.70% | 89.20% | 90.90% |
**Compliance/Community Reinvestment Act and Compliance-Only Exams
| Total | Percent of BSA Exams |
|
|---|---|---|
| Formal Enforcement Actions | 3 | 0.20% |
| Informal Enforcement Actions | 13 | 0.86% |
| Civil Money Penalties | 1 | 0.07% |
| Year | Total | Percent of BSA Exams |
|---|---|---|
| 2020 YTD | 22 | 3.70% |
| 2019 | 53 | 3.58% |
| 2018 | 76 | 4.54% |
BSA/AML Compliance Program/Pillar Violations include the overall compliance program (12 CFR 326.8(b)(1)), Customer Identification Program (12 CFR 326.8(b)(2)), internal controls (12 CFR 326.8(c)(1)), independent testing (12 CFR 326.8(c)(2)), BSA officer (12 CFR 326.8(c)(3)), and training (12 CFR 326.8(c)(4).
