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FDIC RIN: 3064-AD41 Publication ID: Spring 2009 
Title: ●Interest Rate Restrictions on Institutions That Are Less Than Well-Capitalized 
Abstract: The FDIC published its proposed rule to amend its regulations relating to the interest rate restrictions that apply to insured depository institutions that are not well capitalized. Under the proposed rule, such insured depository institutions generally would be permitted to offer the “national rate” plus 75 basis points. The “national rate” would be defined, for deposits of similar size and maturity, as an average of rates paid by all insured depository institutions and branches for which data are available. For those cases in which the “national rate” does not represent the prevailing rate in a particular market, as indicated by available evidence, the depository institution would be permitted to offer the prevailing rate plus 75 basis points. The purpose of this proposed rule is to clarify the interest rate restrictions for certain insured depository institutions and examiners. 
Agency: Federal Deposit Insurance Corporation(FDIC)  Priority: Substantive, Nonsignificant 
RIN Status: First time published in the Unified Agenda Agenda Stage of Rulemaking: Proposed Rule Stage 
Major: No  Unfunded Mandates: No 
CFR Citation: 12 CFR 337   
Legal Authority: 12 USC 1831f(a)    12 USC 1831f(c)   
Legal Deadline:  None
Timetable:
Action Date FR Cite
NPRM  02/03/2009  74 FR 5904   
NPRM Comment Period End  04/06/2009    
Final Action  05/00/2009    
Regulatory Flexibility Analysis Required: No  Government Levels Affected: None 
Federalism: No 
Included in the Regulatory Plan: No 
RIN Information URL: http://www.fdic.gov/regulations/laws/federal/2009/09ProposedAD41.pdf   Public Comment URL: http://www.fdic.gov/regulations/laws/federal/2009/09comAD41.html  
RIN Data Printed in the FR: No 
Agency Contact:
Christopher L. Hencke
Counsel, Legal Division
Federal Deposit Insurance Corporation
550 17th Street NW.,
Washington, DC 20429
Phone:202 898-8839