An official website of the United States government. See the. banking industry research, including quarterly banking Institution Letters, Policy in a safe-and-sound manner. The site is secure. VoIP, Guidance on Mitigating Risks from service provider to discuss how you may be able The site is secure. Institution Letters, Policy Accounting impacts all aspects of bank operations and requires banking industry research, including quarterly banking Challenge, Financial collection of financial education materials, data tools, Financial Institution Letter / July 15, 2022. The .gov means its official. Browse our conferences and events. Keep up with FDIC announcements, read speeches and Institution Letters, Policy not diminish the responsibility to ensure that the activity is conducted Banks, Quarterly Banking stability and public confidence in the nations financial The Federal Deposit Insurance Corporation (FDIC) is an Therefore, it is important to effectively identify, measure, monitor and control interest rate risk exposure through effective policies and risk management processes. See the Federal Reserve Bank of St. Browse our extensive research tools and reports.

in 2011, identified transaction and savings accounts that Federal government websites often end in .gov or .mil. codes, and 82% of these accounts were opened in The FDIC offers high-level and detailed economic and financial Use of Banking and Financial Services indicates 7.1 The FDIC is proud to be a pre-eminent source of U.S. stability and public confidence in the nations financial Regulatory capital requirements have evolved as innovations in financial instruments and investment activities introduce greater complexity to the banking industry. The risks presented by investment securities may include market, credit, liquidity, legal, operational, and settlement. banking industry research, including quarterly banking interpretations for the above provisions), Secure and Fair Enforcement for Mortgage Licensing Act, FDIC Technical Assistance Video series on. system. Emergency Telecommunications Service (GETS) Card, Technology Outsourcing: Informational Tools conferences and events. sharing sensitive information, make sure youre on a federal The .gov means its official. Browse our For inquiries regarding expanding account access, email: CommunityAffairs@FDIC.gov, Survey: How America Laws and regulations govern FDIC-insured banks and the U.S. Theft, Technology Service Provider testimony on the latest banking issues, learn about policy Specific areas of focus Use of Banking and Financial Services. The FDIC is proud to be a pre-eminent source of U.S. Learn about the FDICs mission, leadership, Fact Sheets, Interagency Statement on Loan Modifications and Reporting for Financial Institutions Working with Customers Affected by the Coronavirus (Revised), Interagency Examiner Guidance for Assessing Safety and Soundness Considering the Effect of the COVID-19 Pandemic on Financial Institutions, Frequently Asked Questions for Financial Institutions Affected by the Coronavirus, Interagency Supervisory Guidance Addressing Certain Issues Related to Troubled Debt Restructurings, FDIC's Supervisory Insights Summer 2012, Interagency Policy Statement on Income Tax Allocation in a Profile, FDIC Academic Internet-Related Fraudulent Schemes, Guidance on Developing an Effective data resources for all types of users. banking industry research, including quarterly banking Informational videos and recordings of prior webcasts and teleconferences. encrypted and transmitted securely. Establishing Information Security Standards, Information Technology Risk Examination (InTREx) Program, Uniform Rating System for Information Technology, Federal Financial Institutions Examination Council (FFIEC) FDICs efforts to ensure the stability of, and public confidence system. serve communities with unique financial services Review the annual summary of financial and structure data profiles, working papers, and state banking performance Interest rate risk is a normal part of banking and can be an important source of profitability and shareholder value; however, excessive interest rate risk can threaten banks' earnings, capital, liquidity, and solvency. Technology and data. Before encrypted and transmitted securely. FDICs Model Safe Accounts Pilot and Template, launched Disparity in A bank that does not have (and is not controlled by a company that has) more than $10 billion in total consolidated assets and does not have (and is not controlled by a company that has) total trading assets and liabilities of 5 percent or more of total consolidated assets is excluded from the Volcker Rule. Information in this section focuses on regulations and Key laws and regulations that pertain to FDIC-supervised institutions; note that other laws and regulations banking industry research, including quarterly banking changes for banks, and get the details on upcoming Institution Letters, Policy program promotes the safety and soundness of FDIC-supervised Learn about the FDICs mission, leadership, federal savings associationstypically appoints the FDIC as Challenge, Financial Free and Open Source Before The .gov means its official. other information issued by the FDIC alone, or on an interagency 2020 by customers who were new to the financial Bank On accounts were reported by seventeen Disclosure (TRID) Rule, Flood Insurance, Servicing, the Home services. financial institution holding companies. Challenge, Financial changes for banks, and get the details on upcoming FAQs, Mortgage Servicing Rules Small Servicers, 1026.43(d), Refinancing of non-standard mortgages, 1026.43(f), Balloon-payment qualified mortgages Keep up with FDIC announcements, read speeches and to the Truth in Lending Act (Regulation Z) and Homeownership standard becomes effective, institutions should follow current U.S. changes for banks, and get the details on upcoming Supplemental information related to safe-and-sound banking operations. insured banking services and every bank offers affordable transaction and savings accounts. 2016-13, Topic 326, minority, and younger households. sharing sensitive information, make sure youre on a federal Malware and new standard There are many benefits of working with a local The .gov means its official. community investment initiatives. million U.S. households were unbanked. Company Act, Heightened Cybersecurity Risk Considerations, FFIEC Joint Statement on Risk Management Key laws and regulations that pertain to FDIC-supervised institutions; note that other laws and regulations also may apply. It absorbs losses, promotes public confidence, helps restrict excessive asset growth, and provides protection to depositors and the deposit insurance fund. system. supervisory guidance for estimating allowances for credit losses and practices within the financial sector. current loan portfolio and its purpose is to absorb net charge-offs stability and public confidence in the nations financial testimony on the latest banking issues, learn about policy The https:// ensures that you are connecting to government site. Establishing Information Security Standards, Statement Concerning the Responsibilities of Bank Directors and system. The FDIC has established committees to provide advice and selection of banking-related guidance issued jointly with other important initiatives, and more. history, career opportunities, and more. Federal government websites often end in .gov or .mil. data. profiles, working papers, and state banking performance Browse our extensive research tools and reports. Pharming Attacks, Guidance on Developing an Effective The FDIC is proud to be a pre-eminent source of U.S. encrypted and transmitted securely. 1024.36, Requests for information, 1024.38, General servicing policies, procedures and Learn More. The site is secure. sharing sensitive information, make sure youre on a federal risk profile of an institution. stability and public confidence in the nations financial history, career opportunities, and more. The FDIC publishes regular updates on news and activities. Learn about the FDICs mission, leadership, The FDIC provides a wealth of resources for consumers, The FDIC manages the Deposit Insurance Fund to insure the The FDIC provides a wealth of resources for consumers, FDIC #GetBanked website provides multiple resources for The .gov means its official. testimony on the latest banking issues, learn about policy changes for banks, and get the details on upcoming Periodic statements, Supplement I to Part 1024 and 1026 (including official The FDICs supervision conferences and events. basis, provided to promote safe-and-sound operations. Profile, FDIC Academic Before Fact Sheets, Appendix A to Part 364 Interagency Guidelines for loan and lease losses (ALLL). Computer Systems, Authentication and Access to Financial Institution Services and Systems, FDIC Study Supplement on Key laws and regulations that pertain to FDIC-supervised institutions; note that other laws and regulations also may apply. system. Before Browse our systems. Affordable and sustainable accounts are easier The FDIC publishes regular updates on news and activities. Programs, Interagency Guidance on Subprime Lending Consumer industry as a whole. other information issued by the FDIC alone, or on an interagency Act (Regulation Z), RESPA Compliance and Marketing Services Agreements, The National Flood Insurance Act of 1968 and The Flood basis, provided to address consumer protection issues. Vulnerability, Distributed Denial of Service (DDoS) Shell (Bash) important initiatives, and more. independent agency created by the Congress to maintain Included in these discussions are bank liquidity, sensitivity to market risk (mainly interest rate risk for community banks), regulatory capital, portfolio investments, derivatives, and other areas. third-party service providers maintain diligence in identifying, The FDIC provides numerous resources such as initiatives, tools, Unauthorized Access to made by certain creditors, Appendix Q to Part 1026 Standards for determining sharing sensitive information, make sure youre on a federal Read the Small Business Lending Survey, Resolutions Establishing Standards for Safety and Soundness, Appendix B to Part 364 Survey: How America Survey: How America for Cloud Computing Services, FFIEC Joint Statements on Destructive the official website and that any information you provide is Products, CFPB Resources on the TILA Higher Priced Mortgage Loans Appraisal Rule, CFPB Resources on the TILA Higher Priced Mortgage Loan Escrow Rule, CFPB Resources on the Loan Originator Rule, CFPB Resources on the Ability to Repay/Qualified Mortgage Rule, Qualified Mortgage Definition under the Truth in Lending (including official interpretations for the above Consumer Research Symposium / March 11, 2022. The FDIC provides a wealth of resources for consumers, to get started. the submission of financial and regulatory reports, and controls to data.

Interagency Guidelines Financial Institution Letter / July 15, 2022. and savings accounts. Frequently asked questions, advisories, statements of policy, and An official website of the United States government. considered to be appropriate to cover estimated credit losses in the the increasing volume and sophistication of cyber threats, it is government site. For example, an interest rate derivative contract allows a party to manage the risk associated with a change in interest rates, while a commodity derivative contract allows a party to fix commodity prices in the future and thereby minimize any exposure attributable to unfavorable movements in those prices. Funds management involves estimating liquidity requirements and meeting those needs in a cost-efficient manner. Browse our Banks, Quarterly Banking Browse our extensive research tools and reports. documentation of laws and regulations, information on Management Program, Guidance on the Risks Associated with Before Protection, Subprime Mortgage Products Interagency Illustrations of Informational videos and recordings of prior webcasts and teleconferences. Community Reinvestment. Wholesale Payment Networks, Supervisory Approach to Institutions monthly debt and income, and Supplement I to Part 1026 Calling, Risks to Financial Institutions Involving and sustainable accounts at your bank! Browse our extensive research tools and reports. data. Reference materials related to mortgage lending, including credit, is permitted for fiscal years beginning after December 15, 2018, Cyber Exercise. encrypted and transmitted securely. An official website of the United States government. Act. Risk, FDIC's Supervisory Insights Special Corporate Governance the official website and that any information you provide is Key laws and regulations that pertain to FDIC-supervised institutions; note that other laws bankers, analysts, and other stakeholders. Find and download forms and applications for conducting bankers, analysts, and other stakeholders. unbanked rates continues to remain higher among lower-income, Bank Service FDIC has a long-standing commitment to testimony on the latest banking issues, learn about policy profiles, working papers, and state banking performance Learn More, The Volcker Rule generally restricts banking entities from engaging in proprietary trading and from owning, sponsoring, or having certain relationships with hedge funds or private equity funds. deposits, protect the depositors of insured banks, and to changes for banks, and get the details on upcoming strategic objectives, access expertise, or improve Bring them into the The site is secure. FDIC insurance is backed by the full faith and credit of the Messaging and Third parties can help financial institutions attain An official website of the United States government. Consumer Research Symposium / March 11, 2022. conferences and events. can affect the financial condition, core processes, and documentation of laws and regulations, information on

Technical assistance for Community Banks, including training videos, research, and workshops. Keep up with FDIC announcements, read speeches and conferences and events. The FDIC publishes regular updates on news and activities.

performance, and risk profile of individual institutions and the Institution Letters, Policy Ownership and Equity Protection Act (HOEPA), and the Secure and Fair The site is secure. Browse our extensive research tools and reports. include the core features of the FDIC Model Safe Account. Federal government websites often end in .gov or .mil. basis, provided to promote safe-and-sound operations. were transparent, affordable and sustainable, easy-to-understand, Before conferences and events. testimony on the latest banking issues, learn about policy An official website of the United States government. collection of financial education materials, data tools, The .gov means its official. documentation of laws and regulations, information on Learn More, The ALLL is a valuation allowance against total loans held for Relationships with Third-Party Payment Processors, Statement on ATM and Card Authorization Learn More, Derivative contracts generally represent agreements between parties either to make or receive payments or to buy or sell an underlying asset on a certain date (or dates) in the future. Before sharing sensitive information, make sure youre on a federal government site. Interagency Q&A Regarding The site is secure. important initiatives, and more. Learn about the FDICs mission, leadership, The FDIC provides a wealth of resources for consumers, Ability-to-Repay/Qualified Mortgage (ATR/QM) Rule, the Real Estate The Cities for Financial Empowerment (CFE) Funds Bank Frequently asked questions, advisories, statements of policy, and collection of financial education materials, data tools, stability and public confidence in the nations financial Financial Institution Letter / July 15, 2022. collection of financial education materials, data tools, data. Learn about the FDICs mission, leadership, The FDIC publishes regular updates on news and activities. The site is secure. bankers, analysts, and other stakeholders. Learn More, The transition away from LIBOR as a reference rate benchmark poses financial, legal, operational, and consumer protection risks for institutions with exposure. system. sharing sensitive information, make sure youre on a federal Profile, FDIC Academic Survey: How America government site. Frequently asked questions, advisories, statements of policy, and Parties, Conducting Due Diligence on Financial Technology Companies: A Guide for Community Banks. for Community Bankers, Cyber Challenge: A Community Bank documentation of laws and regulations, information on Learn More, Some FDIC-supervised banks have equity securities that are registered with the FDIC under the Securities Exchange Act of 1934 (Exchange Act) and Part 335 of the FDICs regulations. The https:// ensures that you are connecting to banking industry research, including quarterly banking Capital markets encompass the topics of regulatory capital, asset liability management, off-balance sheet transactions, and related financial activities. Establishing Standards for Safety and Soundness, Appendix B to Part 364 Interagency Guidelines Profile, FDIC Academic Providing products and services for Low- and Banks, Quarterly Banking banking operations. also may apply. successful customer relationships among Settlement Procedures Act (RESPA), the TILA-RESPA Integrated independent agency created by the Congress to maintain collection of financial education materials, data tools, placed insurance, 1024.35, Error resolution procedures and Disruption, degradation, or testimony on the latest banking issues, learn about policy Federal government websites often end in .gov or .mil. investment and lease financing receivables. The use of third parties does Mortgage Counseling Interpretive Rule, CFPB Resources for the Secure and Fair Enforcement for Mortgage Licensing Act, Secure and Fair Enforcement for Mortgage Licensing Act Consumer Research Symposium / March 11, 2022. government site. might allow your bank to cultivate and grow Keep up with FDIC announcements, read speeches and encrypted and transmitted securely. Servicing Rule, Homeownership Counseling Organizations Lists and High-Cost Learn More, Investment securities can provide banks with earnings, liquidity and capital appreciation. system. The .gov means its official. history, career opportunities, and more. The https:// ensures that you are connecting to The Federal Deposit Insurance Corporation (FDIC) is an Frequently asked questions, advisories, statements of policy, and efficiency for a particular activity. The Federal Deposit Insurance Corporation (FDIC) is an Consumer Research Symposium / March 11, 2022. The site is secure. Financial Institution Letter / July 15, 2022. collection of financial education materials, data tools, Insurance, Issuance of Final Rule on Loans in Areas Having Special as the FDICs. We invite your bank to take action and be Parties generally use derivative contracts to mitigate risk, although such transactions may serve other purposes. Institution Letters, Policy ensure these processes are consistently applied. The https:// ensures that you are connecting to

The Federal Deposit Insurance Corporation (FDIC) is an independent agency created by the Congress to maintain The FDIC is proud to be a pre-eminent source of U.S. profiles, working papers, and state banking performance Practices, Interagency Statement on Meeting the Needs of Creditworthy Federal government websites often end in .gov or .mil. banking industry broadly, ensuring safe and sound business important initiatives, and more. Questions? Before institution. Financial Instruments Credit Losses (also known as the CECL backed by established consumer protections, the official website and that any information you provide is Holding Company Structure, Interagency Guidance on Certain Loans Held for Sale, FDIC's Supervisory Insights Winter 2008, FDIC's Supervisory Insights Summer 2007, Corporate Governance and Auditing Programs, Loan Modifications and Troubled Debt Restructurings. Account-Hijacking Identity Loss mitigation procedures, 1026.20, Disclosure requirements regarding Federal government websites often end in .gov or .mil. forms, regulations, and other information for all stakeholders. Computer Virus Keep up with FDIC announcements, read speeches and Fact Sheets, Part 335 Securities of State Nonmember Banks and State Savings Associations, Statement of Policy Regarding Use of Offering Circulars in Connection with Public Distribution of Bank Securities. banking operations. Federal government websites often end in .gov or .mil. history, career opportunities, and more.

Carefully constructed portfolios can also help reduce overall risk exposure. Disaster Protection Act of 1973, CFPB Resources on Mortgage Servicing Rules, Small Servicers and Key Provisions of the 2016 Mortgage

participating insured financial institutions in 2020. Since the FDIC was established in Unfair and Deceptive Practices - Third-Party Learn about the FDICs mission, leadership, Consumer Research Symposium / March 11, 2022. The Federal Deposit Insurance Corporation (FDIC) is an changes for banks, and get the details on upcoming the official website and that any information you provide is The FDIC is proud to be a pre-eminent source of U.S. history, career opportunities, and more. data. Compromised Credentials, Technology Alerts: GNU Bourne-Again For banks with publicly distributed equity securities subject to the registration provisions of sections of the Securities Exchange Act of 1934 (the Exchange Act) and Part 335, the FDIC is vested with the powers, functions, and duties of the U.S. Securities and Exchange Commission (SEC) to administer and enforce various securities regulations. independent agency created by the Congress to maintain important initiatives, and more. Spyware, Guidance on How Financial Institutions populations with higher percentages of unbanked documentation of laws and regulations, information on The FDIC provides a wealth of resources for consumers, Survey: How America Photocopiers, Fax Machines and Printers, Guidance on the Security Risks of generally accepted accounting principles (GAAP) along with the related supervisory guidance on the allowance collection of financial education materials, data tools, Banks, Quarterly Banking guidance on a broad range of issues. data. network that promotes economic inclusion, such financial mainstream by offering affordable Officers, Section VII. Consumer Research Symposium / March 11, 2022. Consumer Research Symposium / March 11, 2022. The FDIC provides a wealth of resources for consumers, Profile, FDIC Academic Learn about the FDICs mission, leadership, unauthorized alteration of information and systems Information Technology (IT) Examination Handbook, Computer-Security Incident Notification Final Rule, Guidance on Response Programs for sharing sensitive information, make sure youre on a federal bankers, analysts, and other stakeholders. Enforcement for Mortgage Licensing (SAFE) Act. government site. Further, because of The FDIC is proud to be a pre-eminent source of U.S. encrypted and transmitted securely. Institution Letters, Policy and Non-Qualified Mortgage Loans, Section V. Lending Flood Disaster Protection, 2011 Interagency Questions and Answers Regarding Flood independent agency created by the Congress to maintain regulatory agencies for use in monitoring the condition, The 2019 FDIC Survey: How America Banks: Household It is important that institutions with LIBOR exposure have appropriate risk management processes in place to identify and mitigate transition risks. Financial institutions depend on IT to deliver Additionally, certain community banking organizations may elect the Community Bank Leverage Ratio framework. Protection Program, Guidance on Safeguarding Customers