Examination and Supervision Guidance

The main objective of the supervisory process is to evaluate the overall safety and soundness of the banking organization. This evaluation includes an assessment of the organization’s risk-management systems, financial condition, and compliance with applicable banking laws and regulations. The Federal Reserve works with other federal and state supervisory authorities to ensure the safety and soundness of financial institutions, stability in the financial markets, and fair and equitable treatment of consumers in their financial transactions.

Policy Letters

Examination and Inspection Frequency and Scope

Supervisory Guidance for Assessing Risk Management at Supervised Institutions with Total Consolidated Assets Less than $50 Billion

Examinations of Insured Depository Institutions Prior to Membership or Merger into a State Member Bank

Incorporation of Federal Reserve Policies into the Savings and Loan Holding Company Supervision Program

Inspection Frequency and Scope Requirements for Bank Holding Companies and Savings and Loan Holding Companies with Total Consolidated Assets of $10 Billion or Less

Upgrades of Supervisory Ratings for Banking Organizations with $10 Billion or Less in Total Consolidated Assets

Bank Holding Company Rating System

Supervision of State-Chartered Banks

Framework for Financial Holding Company Supervision

Supervisory Ratings for State Member Banks, Bank Holding Companies and Foreign Banking Organizations, and Related Requirements for the National Examination Data System

Interagency Guidance on Common Questions About the Application of the Revised CAMELS Rating System

Uniform Financial Institutions Rating System

Provision of Individual Components of Supervisory Rating Systems to Management and Boards of Directors

Risk-focused Safety and Soundness Examinations and Inspections

Rating the Adequacy of Risk Management Processes and Internal Controls at State Member Banks and Bank Holding Companies

The Federal Reserve System's Definition of a Full Scope, On-Site Examination for Safety and Soundness

Application and Supervision Standards for De Novo State Member Banks

Examination and Inspection Reports

Timing Standards for the Completion of Safety-and-Soundness Examination and Inspection Reports for Community Banking Organizations

Supervisory Considerations for the Communication of Supervisory Findings

Format for Safety-and-Soundness Reports of Examination and Inspection for Community State Member Banks and Holding Companies Rated Composite "4" or "5"

Reports of Examinations of Government Securities Activities

Revisions to Guidance for the Preparation of the Bank Holding Company Inspection and Bank Examination Reports and for the Preparation and Issuance of Director's Summaries of Examination/Inspection Findings

Combined Examination/Inspection Report For Bank Holding Companies With Lead State Member Banks

Interagency Uniform Core Report of Examination

Examination and Inspection Reports

Examination and Inspection Coordination

Initial Examinations for Compliance with Minimum Variation Margin Requirements for Non-Cleared Swaps and Non-Cleared Security Based Swaps

Off-site Review of Loan Files

Relying on the Work of the Regulators of the Subsidiary Insured Depository Institution(s) of Bank Holding Companies and Savings and Loan Holding Companies with Total Consolidated Assets of Less than $50 Billion

Responsible Reserve Bank and Inter-District Coordination

Guidelines for Using External Experts on Examinations, Inspections, and Other Bank Supervision Matters

Supervisory Ratings for State Member Banks, Bank Holding Companies and Foreign Banking Organizations, and Related Requirements for the National Examination Data System

State/Federal Protocol and Nationwide Supervisory Agreement

Interagency Statement on Guidelines for Relying on State Examinations

Combined Examination/Inspection Report For Bank Holding Companies With Lead State Member Banks

Coordination of Specialty Examinations with Full Scope Safety and Soundness Examinations of State Member Banks

Interagency Policy Statements on Supervisory Initiatives Released Today

Large Complex Banking Organization Supervision

Initial Examinations for Compliance with Minimum Variation Margin Requirements for Non-Cleared Swaps and Non-Cleared Security Based Swaps

Procedures for a Banking Entity to Request an Extended Transition Period for Illiquid Funds

Interagency Guidance on Funds Transfer Pricing Related to Funding and Contingent Liquidity Risks

Interagency Advisory on External Audits of Internationally Active U.S. Financial Institutions

Federal Reserve Supervisory Assessment of Capital Planning and Positions for LISCC Firms and Large and Complex Firms

Federal Reserve Supervisory Assessment of Capital Planning and Positions for Large and Noncomplex Firms

Governance Structure of the Large Institution Supervision Coordinating Committee (LISCC) Supervisory Program

Consolidated Recovery Planning for Certain Large Domestic Bank Holding Companies

Heightened Supervisory Expectations for Recovery and Resolution Preparedness for Certain Large Bank Holding Companies - Supplemental Guidance on Consolidated Supervision Framework for Large Financial Institutions (SR letter 12-17/CA letter 12-14)

Risk Transfer Considerations When Assessing Capital Adequacy – Supplemental Guidance on Consolidated Supervision Framework for Large Financial Institutions (SR letter 12-17/CA letter 12-14)

Supplemental Policy Statement on the Internal Audit Function and Its Outsourcing

Consolidated Supervision Framework for Large Financial Institutions

Supervisory Guidance on Stress Testing for Banking Organizations with More Than $10 Billion in Total Consolidated Assets

Consolidated Supervision of Bank Holding Companies and the Combined U.S. Operations of Foreign Banking Organizations

Bank Holding Company Rating System

Framework for Assessing Consumer Compliance Risk at Bank Holding Companies

Interagency Paper on Sound Practices to Strengthen the Resilience of the U.S. Financial System

Enhancements to the Interagency Program for Supervising the U.S. Operations of Foreign Banking Organizations

Framework for Financial Holding Company Supervision

Risk-Focused Framework for Supervision of Large Complex Institutions

Section 309 of the Riegle Community Development and Regulatory Improvement Act of 1994, Intra-Agency Appeals Process

Communicating with Bank Directors

Provision of Individual Components of Supervisory Rating Systems to Management and Boards of Directors

Risk-focused Safety and Soundness Examinations and Inspections

Revisions to Guidance on Meetings with Boards of Directors

Revisions to Guidance for the Preparation of the Bank Holding Company Inspection and Bank Examination Reports and for the Preparation and Issuance of Director's Summaries of Examination/Inspection Findings

Nonbanking Subsidiary Examination Guidance

Revised Guidance on Supervision of Technology Service Providers

Guidance on the Risk Management of Outsourced Technology Services

Supplemental Guidance for the Inspection of Nonbank Subsidiaries of Bank Holding Companies

Inspection Procedures for "Section 20 Subsidiaries"

Examination of Specific Risk Management Activities

Guidance on Managing Outsourcing Risk

Interagency Guidance on Correspondent Concentration Risk

Administrative Examination Topics

Inactive Supervisory Guidance

Additional Resources

Manual References

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Last Update: April 21, 2017