Changes to guidelines for appeals of material supervisory determinations (MSDs) will be under consideration by the board of the federal bank deposit insurance agency when it meets Jan. 22, the agency said late Thursday.
The Federal Deposit Insurance Corp. (FDIC) said the amendments to the appeals guidelines is only issue on the “discussion agenda” for the meeting. Two items are set for the “summary agenda,” at which no substantive discussion is anticipated. Those are: A final rule on FDIC official signs and advertising requirements, and minutes of board of directors’ meetings previously distributed.
MSDs are significant findings from bank examinations, like CAMELS ratings, loan loss provisions, or compliance issues. Those findings may affect a bank’s capital, earnings, or regulatory oversight. They may be appealed through the FDIC’s internal process, which involved a Supervision Appeals Review Committee. In July, the board proposed a new Office of Supervisory Appeals aimed at replacing the SARC.
The guidelines allow banks to challenge major supervisory conclusions, though formal enforcement actions (like cease-and-desists) can be excluded.
Also in July, the board proposed alterations to the guidelines that mandated audits for banks with $500 million or more in assets. Current rules require the audit to be made by an independent public accountant. The rules also require that banks file and annual report with FDIC (and state regulator where applicable). Management must also establish and maintain an adequate internal control structure over financial reporting comply with designated safety and soundness laws and regulations.
January 22, 2026 — Sunshine Act Meeting Notice
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