FDIC Proposed Rule Summary: Temporary Deposit Insurance Assessment Effects of Optional Regulatory Capital Transitions

Updated 12/02/2020

The Federal Deposit Insurance Corporation issued this proposed rule that would amend the risk-based deposit insurance assessment system applicable to all large insured depository institutions (IDIs). The proposed rule would amend the assessment regulations to address the temporary deposit insurance assessment effects resulting from certain optional regulatory capital transition provisions relating to the implementation of the current expected credit losses (CECL) methodology. The proposal would remove the double counting of a specified portion of the CECL transitional amount or the modified CECL transition amount in certain financial measures that are calculated using the sum of Tier 1 capital and reserves and that are used to determine assessment rates for larger and highly complex IDIs.

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