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Proposed FDIC Assessment Changes

The FDIC has proposed changes to its deposit insurance regulation to apply the community bank leverage ratio framework to the deposit insurance assessment system. Under the proposal, the FDIC would assess all banks that elect to use the CBLR framework as small banks. Each bank would have the option to use either CBLR tangible equity or tier 1 capital for its assessment base calculation. Banks would also be given the option of using either the CBLR or the tier 1 leverage ratio for the leverage ratio that the FDIC uses to calculate an established small bank’s assessment rate.  The FDIC website would provide an assessment estimation tool that estimates deposit insurance assessment amounts under the proposal. Comments are due by April 22, 2019.

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