{"abstract":"The Federal Deposit Insurance Corporation (FDIC) is amending the deposit insurance assessment regulations that govern the use of small bank assessment credits (small bank credits) and one-time assessment credits (OTACs) by certain insured depository institutions (IDIs). Under this final rule, now that the FDIC is applying small bank credits to quarterly deposit insurance assessments, such credits will continue to be applied as long as the Deposit Insurance Fund (DIF) reserve ratio is at least 1.35 percent (instead of, as originally provided, 1.38 percent). In addition, after small bank credits have been applied for four quarterly assessment periods, and as long as the reserve ratio is at least 1.35 percent, the FDIC will remit the full nominal value of any remaining small bank credits in lump-sum payments to each IDI holding such credits in the next assessment period in which the reserve ratio is at least 1.35 percent, and will simultaneously remit the full nominal value of any remaining OTACs in lump-sum payments to each IDI holding such credits.","action":"Final rule.","agencies":[{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2019/11/27/2019-25566.html","cfr_references":[{"chapter":null,"citation_url":null,"part":327,"title":12}],"citation":"84 FR 65269","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"This final rule is effective November 27, 2019, and is applicable beginning July 1, 2019 (the third quarterly assessment period of 2019).","disposition_notes":null,"docket_ids":[],"dockets":[],"document_number":"2019-25566","effective_on":"2019-11-27","end_page":65276,"executive_order_notes":null,"executive_order_number":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2019/11/27/2019-25566.xml","html_url":"https://www.federalregister.gov/documents/2019/11/27/2019-25566/assessments","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2019-25566?publication_date=2019-11-27","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2019-11-27/2019-25566/mods.xml","not_received_for_publication":null,"page_length":8,"page_views":{"count":555,"last_updated":"2026-09-20 16:15:04 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2019-11-27/pdf/2019-25566.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2019-25566.pdf?1574775916","publication_date":"2019-11-27","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2019/11/27/2019-25566.txt","regulation_id_number_info":{"3064-AF16":{"issue":"201910","html_url":"https://www.federalregister.gov/regulations/3064-AF16/assessments","title":"Assessments","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=201910&RIN=3064-AF16&operation=OPERATION_EXPORT_XML","priority_category":"Substantive, Nonsignificant"}},"regulation_id_numbers":["3064-AF16"],"regulations_dot_gov_info":{"checked_regulationsdotgov_at":"2019-11-29T11:00:13Z"},"regulations_dot_gov_url":null,"significant":false,"signing_date":null,"start_page":65269,"subtype":null,"title":"Assessments","toc_doc":"Assessments","toc_subject":null,"topics":["Bank deposit insurance","Banks, banking","Savings associations"],"type":"Rule","volume":84}