FDII 

FEDERAL DEPOSIT INSURANCE CORPORATION 

FDIC Advisory Committee on 

Community Banking 

October 5, 2023 

Supervision and Policy Updates 
FDII 

FEDERAL DEPOSIT INSURANCE CORPORATION 

FDIC Advisory Committee on 

Community Banking 

October 5, 2023 

Asset-Liability Management 
.5% 

5.0% 

4.5% 

4.0% 

3.5% 

3.0% 

2.5% 

2.0% 

1.5% 

1.0% 

0.5% 

0.0% -

Net Interest Margin Compression as Cost of Funds Increases 

Outpace Earning Asset Yields 

\ 

______ , 

- Yield on Earning Assets - Net Interest Margin - Cost of Funds -- Fed Funds Rate 

FDICI 

FEDE:R.Al DEPOSIT INSURA.NCE CORPORATION 

I 

I 

 

5 

The Effects of Rising Interest Rates on Earnings 

Source: Call Report data for community banks as defined in the FDIC’s 2020 Community Banking Study 

3 
% 

25% 

20% 

15% 

10% 

5% 

0% 

Deposit Declines offset with Wholesale Funding 

---------------- " " - ________ , 

-------------- ----- ---

•• •• •••••••••• • • • 

FDICI 

FEDE:R.Al DEPOSIT INSURA.NCE CORPORATION 

••••••••••••• •• 

•••••••••••••••••••••••••• •••••• 

•••••• 

• • • • 

-----

• • • • 

••• •• 

• • • • 

• • • • • • • • • • • 

-- Wholesale Funding / TA (L) 

- Domestic Deposits/ TA (R) 

- securities Portfolio (at cost)/ TA (L) 

• • • • Loans and Leases/ TA (R) 

• • • •• 

• • • ••••• 

90% 

85% 

80% 

75% 

70% 

65% 

60% 

 

30 

The Effects of Rising Interest Rates on Liquidity 

Source: Call Report data for community banks as defined in the FDIC’s 2020 Community Banking Study 

4 
Deposit Costs due to Increased Market Interest Rates and Deposit Migration 

2.7 1.8% 

2.4 • 1.6% 

• 

2.1 16% 16% 16% 170/o 18% • 1.4% 210/o . • 23% 

210/o • • 1.8 • • 1.2% • ----- V') • 

C 270/o 270/o 28% 270/o • g 1.5 280/o • 1.0% 47% 47% 470/o 450/o ·;::: ••• 440(e· ••• • 410/o I- ••• • • 390/o 

C 1.2 •• • • 0.8% • 500/o • • • • • -Ur • • • • • - • 0.9 • 500/o • 0.6% 500/o :\90/o 490/o 480/o • • •• • • • • ••• •• ••••• • •• 0.6 • •• •• 0.4% •• •• 

- 38% 38% 38% 37% 

0.3 

23% 24% 23% 23% 29% 0.2% 

0.0 0.0% 

4Ql5 4Ql6 4Ql7 4Ql8 4Ql9 4Q20 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 

- Transaction Accounts (L) - MMDA & Other Savings (L) - Time Deposits (L) • • • • Average Cost of Funds (R) 

FDICI 

FEDE:R.Al DEPOSIT INSURA.NCE CORPORATION 

 

The Effects of Rising Interest Rates on Liquidity 

Source: Call Report data for community banks as defined in the FDIC’s 2020 Community Banking Study 

5 
V) 

C 

0 

en 

C 

·-

<I'} 

-

Recent Uptick in Wholesale Funding Primarily due to 

Borrowings, Reciprocals, and Brokered Deposits 

700 

600 

500 

---------- 400 16% 

300 

200 41% 42% 43% 51% 52% 49% 470/o 43% 40% 36% 

100 

18% 16% 140/o 12% 120/o 130/o 14% 17% 180/o 18% 

4Ql8 4Ql9 4Q20 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 

- Brokered Deposits (L) - Listing Service Deposits (L) - Muni Accounts (L) 

- Reciprocal Deposits (L) - Foreign Deposits (L) - FH LB Borrowings (L) 

28% 

24% 

----- V) 

+-' 20% Q) V) 

V) 

<( 

16% ro +-' 

~ 

12% o 

8% 

4% 

0% 

0 ~ 

ro 

V) 

ro 

- Other Borrowings (L) - FFP & Repos {L) ---Wholesale Funding / TA (R) 

FDICI 

FEDE:R.Al DEPOSIT INSURA.NCE CORPORATION 

 

-----

The Effects of Rising Interest Rates on Liquidity 

Source: Call Report data for community banks as defined in the FDIC’s 2020 Community Banking Study 

6 
V) 

C 

0 

co 

C 

·-

.v,. 

...__... 

30 

20 

10 

(10) 

(20) 

(30) 

(40) 

(50) 

(60) 

(70) 

(80) 

Lt) 

....-I 

CY 

....-I 

Lt) 

....-I 

CY 

N 

Lt) Lt) u, 

....-I ....-I ....-I 

CY CY CY 

M q-- ....-I 

u, 

....-I 

CY 

N 

Higher Rates Caused Long-Term Bond Values to Decline, 

Potentially Impacting Capital and Liquidity 

--------------... ...... 

u, u, I'- I'- I'-

....-I ....-I ....-I ....-I ....-I 

CY CY CY CY CY 

M q-- ....-I N M 

- Unrealized G/ L AFS Securities (L) - Unrealized G/ L HTM Securities (L) -- 10 Year Treasury CMT (R) 

FDICI 

FEDE:R.Al DEPOSIT INSURA.NCE CORPORATION 

6% 

4% 

2% 

0% 

 

---

The Effects of Rising Interest Rates on Liquidity 

Source: Call Report data for community banks as defined in the FDIC’s 2020 Community Banking Study 

and https://fred.stlouisfed.org/series/DGS10#0 

7 
FDICI 

FEDE:R.Al DEPOSIT INSURA.NCE CORPORATION 

 

 

 

 

Interagency Policy Statement 

Interagency Policy Statement on Funding and Liquidity Risk 

Management on the Importance of Contingency Funding Planning 

issued July 2023 

• Maintain actionable and 

operationally ready contingency 

funding plans (CFPs) that are 

updated to address evolving 

liquidity risks 

• Assess the stability of funding 

• Maintain diversified funding sources 

• Consider the Discount Window as a 

contingent funding source 

• Understand operational 

requirements of contingent funding 

sources and test regularly 

• Ensure an appropriate amount 

of collateral is readily available 

• Plan for operational challenges 

moving and posting collateral 

• Review and revise CFPs periodically 

to address evolving liquidity risks 

8 
FDII 

FEDERAL DEPOSIT INSURANCE CORPORATION 

FDIC Advisory Committee on 

Community Banking 

October 5, 2023 

Banking Cannabis-Related Businesses 
FDICI 

FEDE:R.Al DEPOSIT INSURA.NCE CORPORATION 

 

 

 

 

Federal vs. State Law 

• Federal Law 

o Marijuana is categorized as a Schedule I controlled substance under 

the Controlled Substances Act (21 U.S.C. § 812). 

• State Law 

o The majority of states and the District of Columbia have legalized 

some form of marijuana use (medical or recreational). 

11 
FDICI 

FEDE:R.Al DEPOSIT INSURA.NCE CORPORATION 

 

 

 

 

Statement on Providing Banking Services 

• The FDIC encourages insured depository institutions to: 

o serve their communities and recognizes the importance of services 

they provide; and 

o take a risk-based approach in assessing individual customer 

relationships rather than declining to provide banking services to 

entire categories of customers without regard to the risks presented 

by an individual customer or the bank’s ability to manage the risk. 

12 
Department of the Treasury 

Flnanclal Crfmes Enforcement Network 

Guldan~ 

FIN-2014-G00I 

Issued: February 14, 2014 

Subject: BSA Expec111.tions Retaiilin11 M11.rijuana-Rd11.ted Businesses 

11,c Financial Crimes Enfotttment Nctwodc ( .. FinCEN") is issuing guidance to clarify Bank 

s,.,rocy A« (''BSA '1 ""-Jl"Wlions fo, finonciol iJISlillllions goclting to providll SONio<s to 

marijuona-n:lated busin..-=. FinCENI i• issuing this gujdaJ>cc in light or rttt111 ,tatt iftitiati,·rs 

to legalize cmain marijuana-rdated a«ivity and n:latrd guidanc., by the U.S. DCJ13rtmrnt of 

Ju:sticc ("'DOJ") conc:cming marijuana-n:latrd mfon:cmcn1 priorities. lbis FinCEN guidance 

darifie:s hov.. financial ittsaitutioos catl provide Stt\liccs to n\arijuana-1e-Jatc:d bus.in~i 

coosistcnt wilh tkir BSA obliglllions. and alig,,s Ilic infont1ation provided by fo,on..;al 

insli111tions in BSA n:poru wilh [cdcral and state law cnforecmcot priorities.. Thi• FiJICEN 

guidanC<l should enhance th< a,·s.ilobility or financial scl\•icos. for. and tll< fmsnci•l ll">lliJ>On:11Cy 

of. marijua,,o-n:latrd businesses. 

Medluaoa ., Uf! @Pd I a,,: EP[PC£fWG1!! Pdocllln 

11,c C0111roUcd Substmcos. Act (-CSA") makes it ilk.gal under rrdcml law to rnanu[wturc. 

dislribwc, or dispense marijuano.1 Many >1•~ impose and cnfon:o similar prohibitions. 

Nocwithst:>nding tll< frdcl':ll ban ... oru,cda1c or this guidance, 20 !ilatc• :>nd the Di<Uict of 

Columbia ha\C lcpljzcd certain marijuana-related activity. In liglll ofthcscdcvelopmcnu., U.S. 

Dop<>rr111en1 of Ju<tioc lk'1'Uty Arum,cy Gcn<nl bmcs M. Cole issued• memorandum ~the 

"Co le Memo") to all United Smos. AIUlfflC'}" providing updated guidane<, 10 fcdcrol prosecutors 

co1JC<ming marijuana enforccmmt wider the CSA.' The Colo Memo guidance applies lo all of 

OOJ's federal cnforec:1:ocm acti,•ity. in.eluding civil c:nforecmcnt and criminal in,"fitigatioos .and 

proscrutiOIIS, oooccrniJlg marijuana ill all states. 

11,c Colo Memo rci1cra1cs Coogtess's dctconination lh:11 marijuana is • dangerous drug and d1t1t 

tho ilkgol distribwion and sale of lll3fijuana i• a serious crime th•t provides. a significant sowre 

or ..,,.cnuc to brgc-=I• ain,inol cruerpriscs, g,>ngs.. and con.cl,.. lbc Cole Memo I\Ofcs 1ba1 

DOJ is committed to cnfo.,,cmcnl of the CSA consistent with those dcimni1,otiotts. It also notes 

that DOJ i, oornrrutl<:d to using its in,·cstigatiYc and pmsccutorial rcsllW'<lCS to address the most 

1 Con1roll,d Sublw,.: .. Ad ll U.S.C. t ROl, <f....., 1 hmes M. Cole. Oepuay A1r.o~ Grnernt u _s, °'"panmeni of !hmicc, JliffllOnlndrr• far AU l 'rturd S.Uta 

,lll0t1M"p'- Gmdmrcc Rrprdll.1g .Uan;'rtaaa E1rp«~ J (A11guil 29. 10 IJ). am/Jahk '" 

hnpo~-.,..juttioo.g<>V"i,o.'op• rHOun:co'.l(l;:Wl JS2'1U27.l6.'157-46l.pdf. 

FDICI 

FEDE:R.Al DEPOSIT INSURA.NCE CORPORATION 

... 

FinCEN 

Financial Crimes Enforcemmt Network 

Marijuana Banking Update 

Monthly Count of Depository Institutions {by type) 

Providing Banking Services to l\ll a.rijuana.-Rel ated Businesses1 

(SARs filed through 30 September 2021) 

--.. nb --cr@dit Unions 

Quoih-r. o--e for~o Ye o~ 

Short-tern, declines in the number of deposito,y institutions actively providing banking sen.ices to 

mariJUana-related businesses (MRBs) n,ay be explained by filers exceeding the 90 day fo llow-on 

Suspicious Activity Report (SAR) filing ttmeframe. S.,ver.tl filers take 180 days or more to file a 

continuing activity report. After 90 days, a depository institution is no longer counted as provi ding 

banking selVices unlil a new guidance-related SAR is received. 

The number of dePository instihttions (Dls) banking ma.rljuana·related bl15lnesse, (MRBs) incre,=d to 

755 institutions in Sep tember 2021, u p from 723 ln June 2021. 

FinCEN Guidance & Trends 

13 
FDICI 

FEDE:R.Al DEPOSIT INSURA.NCE CORPORATION 

 

 

Legislation Regarding Hemp 

• 2018 Agriculture Improvement Act 

o Excluded hemp with THC level of no more than 0.3% as a controlled 

substance. 

o Allowed broad hemp cultivation, across state lines, no restrictions on 

sale, transport or possession. 

o Included regulatory oversight and restrictions. 

14 
lnt Reh.•H eBoard or Go,..-ao,. or th• F<dtrol Rt<or,·e S~srem 

Fe.deraJ Depo.d t J1uut•11.ce Corspor1.tio111 

Financial CrimH Enforcement Nr,~ ork 

Office of the Comptroller of t h• CUrr,ncy 

Ccmf~rfflce of Stale Bank Supeniion 

For Rclca<c at I 0.00 a .. m. ET D."'C<ml>cr J, 2019 

A£e.nd a Cbrlr~ R~q-1.1.l.reme.o.H for Pro\'kllnit: F1n .. a.nd..a.l Sel"\'i l:.':et: 

to Hemp-Related Bu.i,.. .... 

WASHINGfON-Four federal lljlCOCios in ooojunction "ith tho '"" bank regulators blda~ 

issurd a italcm.cnt -duifying die IC"g31 suuus of he.mp gro,n h a..nd production and the rdcvant 

rcqui~tnrnt!il under the Bank Secrecy Acl (BSA) for banks provicling sel"Yic-cs m hrmp--rclatcd 

busin=. 

Titir s1a1ctnrnt ctnphasizci that banks arc no long,cr required to file- susp~:ious x tivity reports 

(SAR) f()t ®>to,n<ri sokly b<cau.e tbcy att <npgcd in Ill< growth o, roltivatioo ofhct:r,p in 

accor'da11ec \\ itb applicable lilvts. and r"C&Ulations.. For honp-rc:1.atcd customers. Ml'lks arc 

expected m follow standard SAR pf\'JCC~. and file- a SAR ir irulicia of suspicious activity 

~'8ff31l1S. 

This statcn1cn.t pm\idts banks with baclcgmund i.nfomw:ion on the legal starus ofbemp. lhc U.S. 

Dep<1rutt<n1 of Agricuhure ·• (USDA) im<tim final ruk on die produc1ion of h<-mp. ond the BSA 

con:.idcntions. wbc-n provi<Ung, b.,nking !tcr\'iccs. 10 hcinp-t't'btcd busi.ncsSC"i. 

This SIOl<Dl<nt also indic11t<i lh.lt the Financial Crim,; Enfot\.'Cftt<nl Ntiwort (fii1CEN) \\ill 

issue addi1.ion3l guidantt aficr further re-.·icwing aod C\'alU3ting the LJSDA in,cri.m final rule. 

TIW! statctnitl'lt was issued by the Fcdcral R~m't Boani. th~ FcdcraJ Deposjt l.nsura.neit 

CorpotOJion. FinCEN. 1bo Office of tbo Comptrolkr or ti>< Cun,:ocy and die Confer<t.,. of Sl3to 

8"111< Supc" iSO«. Banks can too1ac1 th< USDA. Sl•to d<:pattn,cnu of af;rirolru,.,, ond llibal 

go,·cmmems widl funh<r questions ttg:mling tbc Agrfouhure lmprovemem i\C'l of2018 (2018 

Fann BilJ) a.nd its implc11~1uing rcgulationi. 

111111 

At:taclunCt\t. Joi11t Guicbnoc: oo Pro\ idi11g Fina1.cial SC'r'\'iCC'i to Customcn Engaged in HernpRcl.atcd Bus.inesscs. 

MNll:11 Co111tad.lf. 

F,cdcral Rcsc-r.'CFDIC 

FinCEN 

occ 

SLC 

FDICI FEDE:R.Al DEPOSIT INSURA.NCE CORPORATION 

Daffc-nGc:rsh 

Julia:nnc Fisher Brc.ithe:il 

SI<>'< Homl: S1cphanic Collins 

Jim Kurtzk< 

{202) 452,2955 

{202) 898-6895 

(703) 905.3770 

{202) 64<J.6g'I0 

{202) 728-5733 

0 FinCEN GUIDANCE 

FIN-2112_0-GOOt 

l.ssued: June 29. 2020 

Subje<t FinCllN Guidance Regarding Due Diligence RequiremenlS under lh• 

B.anlc: Secrtty Ad for H emp-Rel.a led Bu5i.ness Customers 

The Financial Crimes. Eniarce.ment Netl'\l"orlc: (FinCEN) is issuing this guLdani:e to address 

questions related to B.lnk Secre<y Act/Anti-Money Laundering (BSA/AML) regulatory 

requirements for nemp-related business rustome,s. This guidance explains ho1v financial 

instilutions1 can conduct due diligence for hemp-rela ted businesse~ and identifies the type 

ol inform.ttion and documentation financial institutions can rolled from hemp-related 

businesses to comply with BSA regulatory requirements. This clarification is intended 

to enhance the availabmty of financial services for. and the financial transparency of~ 

hemp-related bu.'iinesses in compliance with federal law. This guidance supplements 

the December 3, 2019 inlerage.ncy statement on providing financial services to cu..'itomers 

eng.,ged in nemp-rel>led businesses (December Hemp Slatement).' 

Th.is guidance provides financial institution.'i. BSA/MIL ri'ilc c.:ons.iderations only for hemprel.a.ted businesses (Le., businesses or individuals th.at grow hemp, and processors and 

manufacturers who purchase hemp direcUy from such growers). This guidance doe., not 

replace OT .supersede FinCEN's pre,'l.ous guidance on the BSA expectations regarding 

marijuana-related businesses {2014 Marijuana Guidance) . .> 

Background 

The Agriculture lmpro11emen1 Act of 2018 (lhe 2018 Farm Bill)' remo,..,d hemp from 

the definition of marijuana in the Controlled Substances Act (CSA)' and directed the 

establishment of a regulatory framework for the legal production of hemp. The 20!8 Farm 

I. Sitt-11CFR§tDI0.l~l~(~n,K ... lin.a.rri.11 1n11ltuti~). 

2. SC\" ""l'r'O\id.intt f"INlnailll Sc-n,.-ieo- to Cwiomco; En~ tn Hcmp-ltcl.ltc.<d Bu,-incs.,~,. Dec. 3. 2019,owilM, 

.i !Mir, 'or»:» rnxm sm·i'ntc:MrHJdt fib:21

~ 

1':l 1,tl kron s?t!inidaw:n2l:o@fmal12rU 2 1 l:C Mt2\l 

J. SttFIN 201, COOi. · eSA ExJ,<mnru-a~nl"'tlMM>iu,n., lld,ood e.,. ......... Fd,. 1-1,201;,.-, 

Ill Mm Joq, frao:o ,.,m,'o::wsm:n·,:gb;;tr, a::gublhmn rotidma: ► i'I n ·pn:t;iWJJ- m::;;cd1w mm,u;,n;, 

oiatrd hJSJOC':::ZO 

• . Pub. L 115-UC, 1325bL4500(201S). 

5. The k-Tm ""nurihu.-m.," K dc-fin.:od 1n the Controll..-d SubtlUl"ICr( Act .1t 21 U.S.C § .fll~ 16). .u ilfl'W'ndc,d. by 

l«!ion 12619 of thr 20IS Fum Bt.11. Aka, .. m.uihua,~• n:frm lo ~ currrntJv ~ lrnn •~.m.a... -

Regulatory Guidance - Hemp 

15 
FDII 

FEDERAL DEPOSIT INSURANCE CORPORATION 

FDIC Advisory Committee on 

Community Banking 

October 5, 2023 

Prudent CRE Loan Accommodations and Workouts 
 

 

Prudent CRE Loan Accommodations and Workouts 

• Interagency Policy Statement issued June 29, 2023 (FIL-34-2023) 

• Updates and replaces Interagency Policy Statement issued 

October 30, 2009 

• Timely: 

o More than 98% of banks engage in CRE lending 

o Pandemic led to stress in several CRE property types 

18
 

 

 

 

Prudent CRE Loan Accommodations and Workouts 

• Objectives of the Interagency Policy Statement: 

o Encourages banks to work prudently and constructively with 

creditworthy borrowers during times of financial stress 

o Adds a new section on short-term loan accommodations 

o Addresses accounting changes on estimating loan losses 

o Provides new and updated examples of how to classify and account 

for loans modified or affected by loan accommodations or workout 

activity 

• Incorporates feedback from industry 

19
Prudent CRE Loan Accommodations and Workouts 

• Ask the Regulator session held September 14, 2023 

• 3,400+ participants 

• Questions received: 

o Mostly case-specific questions on workout situations 

 Accrual/Nonaccrual 

 Pass vs. adverse classification 

 A/B Note structures 

20
FDII 

FEDERAL DEPOSIT INSURANCE CORPORATION 

FDIC Advisory Committee on 

Community Banking 

October 5, 2023 

Interagency Guidance on Third-Party Relationships: 

Risk Management 
FDICI 

FEDE:R.Al DEPOSIT INSURA.NCE CORPORATION 

 

 

 

 

 

 

Background 

• Prior to 2023, the FDIC, OCC, and Federal Reserve each had 

separate guidance for managing third party risk (for the FDIC, this 

was issued via FIL-44-2008). 

• In general, the principles conveyed were the same, with some 

differences in scope, terminology, and level of detail 

• Perceived inconsistencies between the agencies’ guidance 

confused some financial institutions and third parties working 

with, or wanting to work with, financial institutions 

23 
FDICI 

FEDE:R.Al DEPOSIT INSURA.NCE CORPORATION 

 

 

Background 

• Agencies collaborated to develop interagency guidance for thirdparty risk management: 

o Provide clarity and consistency 

o Articulate risk-based principles for third-party risk management 

o Applicable to all types of third-party relationships 

o Furnish examples of considerations useful in identifying and 

managing risks and complying with applicable laws and regulations 

during all stages of a third-party relationship 

24 24 
FDICI 

FEDE:R.Al DEPOSIT INSURA.NCE CORPORATION 

 

 

 

 

 

Interagency Guidance 

• Interagency Guidance on Third-Party Relationships: 

Risk Management 

o Issued June 6, 2023 via FIL-29-2023 

• Overview and Risk Management: 

o Highlights importance of effective risk management 

o Reinforces safety and soundness principles, including requirement to 

comply with applicable laws and regulations 

o Reminds institutions that use of third parties does not diminish Board 

and management oversight responsibility 

o Promotes tailoring of risk management practices commensurate with 

risk profile, risk appetite, and the level of risk and complexity of thirdparty relationships 

25 
FDICI 

FEDE:R.Al DEPOSIT INSURA.NCE CORPORATION 

 

 

Interagency Guidance 

• Principles Based: 

o Not mandatory 

o Not intended as a checklist 

o Not a safe harbor provision 

• Provides examples of considerations in each stage of the risk 

management life cycle: 

o Planning 

o Due diligence and third-party selection 

o Contract negotiations 

o Ongoing monitoring 

o Termination 

26 
FDICI 

FEDE:R.Al DEPOSIT INSURA.NCE CORPORATION 

 

 

 

 

 

 

Interagency Guidance 

• Tailoring: 

o Risk management practices tailored to institution and relationship 

• Governance: 

o Responsibility of board to ensure risk management processes are 

commensurate with the institution’s risk profile, risk appetite, and 

the level of risk and complexity of its third-party relationships 

• Supervision: 

o Examiners to assess whether activities are conducted in a safe and 

sound manner in compliance with applicable laws and regulations 

27 
FDICI 

FEDE:R.Al DEPOSIT INSURA.NCE CORPORATION 

 

 

 

 

 

 

 

Resources 

• Banker Resource Center: Third-Party Relationships Page 

• Interagency Guidelines Establishing Standards for Safety and 

Soundness (Part 364 Appendix A) 

• Interagency Guidelines Establishing Information Security Standards 

(Part 364 Appendix B) 

• Sections 23A and 23B of the Federal Reserve Act apply to affiliate 

relationships 

• Interagency Guidance on Third-Party Relationships: Risk 

Management: FIL 29-2023 

• Conducting Due Diligence on Financial Technology Companies: A 

Guide for Community Banks: FIL-59-2021 

28 
FDII 

FEDERAL DEPOSIT INSURANCE CORPORATION 

FDIC Advisory Committee on 

Community Banking 

October 5, 2023 

Banker Engagement Site 
 

 

Banker Engagement Site 

• Secure Portal for Consumer Compliance and CRA Examination 

Activities 

o Pre-Examination Planning Process 

o Ad-hoc Items 

• User Centric Design 

o Banker Usability Tests 

o Transparency and Control 

o Valued Capabilities and Features 

o Responsiveness to Feedback and Opportunities 

31 
 

Banker Engagement Site 

• Communication and Resources 

o FIL-49-2023, Announcing Banker Engagement Site 

o User Guides and Job Aids 

o Briefing to Bankers Associations 

32 
FDII 

FEDERAL DEPOSIT INSURANCE CORPORATION 

FDIC Advisory Committee on 

Community Banking 

October 5, 2023 

FDIC Return to Banks