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Laws and Regulations

FDIC and Interagency Statements

FDIC and Interagency Statements provide guidance to insured institutions, depositors, and the general public. The table below can be sorted alphabetically by title or citation. The table can also be searched by typing all or a portion of a title or keyword in the search field below. Clicking on "PDF" will open a PDF version of the statement as it appeared in the Federal Register (where available) and clicking "link" will provide a text version of the statement (where available).

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TitleCitation
Administrative Enforcement of the Truth in Lending Act – Restitution (FFIEC)PDF|Link 63 FR 47497
Applications for Deposit InsurancePDF 63 FR 44752
Authentication and Access to Financial Institution Services and SystemsLink FIL-55-2021
Concentrations in Commercial Real Estate Lending, Sound Risk Management PracticesPDF|Link 71 FR 74580
Correspondent Concentration RisksPDF|Link 75 FR 23764
Covered Bond Policy StatementPDF|Link 73 FR 43754
FDIC Statement of Policy on Qualified Financial ContractsPDF 55 FR 7027
Final Guidance for the 2019 and Subsequent Resolution Plan Submissions by the Eight Largest, Complex U.S. Banking OrganizationsPDF 84 FR 1438
Final Interagency Policy Statement Establishing Joint Standards for Assessing the Diversity Policies and Practices of Entities Regulated by the AgenciesPDF|Link 80 FR 33016
Final Statement of Policy on Qualifications for Failed Bank AcquisitionsPDF|Link 74 FR 45440
Guidance for Resolution Plan Submissions of Certain Foreign-Based Covered CompaniesPDF 85 FR 83557
Guidance on Sound Incentive Compensation PoliciesPDF|Link 75 FR 36395
Guidelines for Appeals of Material Supervisory DeterminationsPDF|Link 87 FR 77112
Guidelines for Compliance with Federal Bank Bribery LawPDF 52 FR 43939
Illustrations of Consumer Information for Hybrid Adjustable Rate Mortgage ProductsPDF|Link 73 FR 30997
Interagency Advisory on External Audits of Internationally Active U.S. Financial InstitutionsLink FIL-5-2016
Interagency Advisory on the Unsafe and Unsound Use of Limitation of Liability Provisions in External Audit Engagement LettersPDF|Link 71 FR 6847
Interagency Appraisal and Evaluation GuidelinesPDF|Link 75 FR 77450
Interagency Guidance Regarding Unfair or Deceptive Credit PracticesPDF FIL-44-2014
Interagency Guidance on Funds Transfer Pricing Related to Funding and Contingent Liquidity RisksLink FIL-12-2016
Interagency Guidance on Implicit Recourse in Asset SecuritizationsLink FIL-52-2002
Interagency Guidance on Nontraditional Mortgage Product RisksPDF|Link 71 FR 58609
Interagency Guidance on Reconsiderations of Value of Residential Real Estate ValuationsPDF 89 FR 60549
Interagency Guidance on Subprime LendingLink FIL-20-99
Interagency Guidance on Third-Party Relationships - Risk ManagementPDF|Link88 FR 37920
Interagency Guidance to Issuing Banks on Applying Customer Identification Program Requirements to Holders of Prepaid CardsLink FIL-21-2016
Interagency Notification and Coordination of Enforcement Acts by the Federal Banking Regulatory AgenciesPDF|Link 83 FR 27371
Interagency Policy Regarding the Assessment of Civil Money Penalties by the Federal Financial institutions Regulatory AgenciesPDF|Link 63 FR 30226
Interagency Policy Statement Regarding Enforcement of the Equal Credit Opportunity and Fair Housing ActsPDF 46 FR 56500
Interagency Policy Statement on Allowances for Credit Losses (Revised April 2023)PDF|Link 88 FR 25479
Interagency Policy Statement on Coordination and Communication Between External Auditors and ExaminersPDF FIL-57-92
Interagency Policy Statement on Documentation for Loans to Small- and Medium-Sized Business and FarmPDF Not Published in the Federal Register
Interagency Policy Statement on Examination Coordination and Implementation GuidelinesPDF Not Published in the Federal Register
Interagency Policy Statement on Funding and Liquidity Risk ManagementPDF|Link 75 FR 13656
Interagency Policy Statement on Income Tax Allocation in a Holding Company StructurePDF|Link 63 FR 64757
Interagency Policy Statement on Income Tax Allocation in a Holding Company Structure (Addendum)PDF|Link 79 FR 35228
Interagency Policy Statement on the Allowance for Loan and Lease LossesLink FIL-105-2006
Interagency Statement on Retail Sales of Nondeposit Investment ProductsLink FIL-9-94
Interagency Statement on Sound Practices Concerning Elevated Risk Complex Structured Finance ActivitiesPDF|Link 72 FR 1372
Intra-Agency Appeal Process: Guidelines for Appeals of Material Supervisory Determinations and Guidelines for Appeals of Deposit Insurance Assessment DeterminationsPDF|Link 75 FR 20358
Joint Agency Policy Statement on Interest Rate RiskPDF|Link 61 FR 33166
Joint Interpretations of the Interagency Statement on Retail Sales of Nondeposit Investment ProductsLink FIL-61-95
Joint Notice of Policy Statement on Discrimination (Interagency)PDF 44 FR 60398
Joint Policy Statement on Basic Financial ServicesPDF 51 FR 42083
Joint Statement on Banks’ Arrangements with Third Parties to Deliver Bank Deposit Products and ServicesPDF Not Published in the Federal Register 
Pocket Guide for DirectorsLink Pocket Guide for Directors
Policy Statement of Office of the Comptroller of the Currency, Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation, and Office of Thrift Supervision Concerning Branch Closing Notices and PoliciesPDF|Link 64 FR 34845
Policy Statement on Allowance for Loan and Lease Losses Methodologies and Documentation for Banks and Savings InstitutionsPDF|Link 66 FR 35629
Policy Statement on Discrimination in LendingPDF 59 FR 18266
Policy Statement on GoldPDF 39 FR 43765
Policy Statement on Prudent Commercial Real Estate Loan Accommodations and WorkoutsPDF|Link88 FR 43115
Policy Statement on Securing Leased SpacePDF|Link 61 FR 5552
Policy Statement on the Fitness and Integrity of Lessors of Real Property to the FDICPDF|Link 61 FR 5554
Policy Statement on the Fitness and Integrity of Lessors of Real Property to the FDIC (Correction)PDF|Link 61 FR 19939
Principles for Climate-Related Financial Risk Management for Large Financial InstitutionsPDF|Link88 FR 74183
Principles for Development and Distribution of Stress Test ScenariosPDF|Link 78 FR 72535
Repurchase Agreements of Depository Institutions With Securities Dealers and Others; Notice of Modification of Policy StatementPDF|Link 63 FR 8645
Rescission of Policy Statement Regarding Independent External Auditing Programs of State Nonmember Banks, and Adoption of the Interagency Policy Statement on External Auditing Programs of Banks and Savings AssociationsPDF|Link 64 FR 57094
Revised Policy Statement on Securities LendingPDF|Link 62 FR 40816
Statement Concerning the Responsibilities of Bank Directors and OfficersPDF FIL-87-92
Statement Concerning the Responsibilities of Bank Directors and Officers and Interagency Policy Statement on the Internal Audit Function and Its OutsourcingLink FIL-21-2003
Statement of Policy Regarding Binding ArbitrationPDF|Link 66 FR 18632
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 ReceivershipPDF|Link 62 FR 5984
Statement of Policy Regarding Liability of Commonly Controlled Depository InstitutionsPDF|Link 63 FR 44764
Statement of Policy Regarding Minority Depository InstitutionsPDF|Link 86 FR 32728
Statement of Policy Regarding Treatment of Collateralized Put Obligations After Appointment of the Federal Deposit Insurance Corporation as Conservator or ReceiverPDF 56 FR 36152
Statement of Policy Regarding Treatment of Security Interests After Appointment of the Federal Deposit Insurance Corporation as Conservator or ReceiverPDF 58 FR 16833
Statement of Policy Regarding the Payment of State and Local Property TaxesPDF|Link 61 FR 65053
Statement of Policy on Alternative Dispute ResolutionPDF|Link 62 FR 66370
Statement of Policy on Bank Merger TransactionsPDF | Link 89 FR 79125
Statement of Policy on Foreclosure Consent and Redemption Rights And Clarification of Applicability of Statement of Policy on Foreclosure Consent and Redemption RightsPDF|Link 61 FR 53494
Statement of Policy on the Development and Review of Regulations and PoliciesPDF|Link 78 FR 22771
Statement of Policy on the Use of Offering Circulars in Connection with Public Distribution of Bank SecuritiesPDF|Link 61 FR 46807
Statement of Principles for Trust Department ManagementPDF Examinations Trust Manual
Statement on Prudent Risk Management for CRE LendingPDF FIL-62-2015
Statement on Subprime Mortgage LendingPDF|Link 72 FR 37569
Supervisory Guidance on Implementing Dodd-Frank Act Company-Run Stress Tests for Banking Organizations with Total Consolidated Assets of More Than $10 Billion but Less Than $50 BillionPDF|Link 79 FR 14153
Supervisory Policy Statement on Investment Securities and End-User Derivatives ActivitiesPDF|Link 63 FR 20191
Supplemental Guidance Related to the FDIC Statement of Policy on Applications for Deposit InsurancePDF FIL-24-2016
Uniform Financial Institutions Rating SystemPDF|Link 62 FR 752
Uniform Interagency Consumer Compliance Rating SystemPDF Not Published in the Federal Register
Uniform Retail Credit Classification and Account Management PolicyPDF|Link 65 FR 36904

Regs@fdic.gov

Last Updated: October 1, 2024