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<REGINFO_RIN_DATA xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" RUN_DATE="2026-04-28-04:00" xsi:noNamespaceSchemaLocation="https://www.reginfo.gov/public/xml/REGINFO_XML_Ver10262011.xsd">
    <RIN_INFO>
        <RIN>3064-AD36</RIN>
        <PUBLICATION>
            <PUBLICATION_ID>200904</PUBLICATION_ID>
            <PUBLICATION_TITLE>Unified Agenda of Federal Regulatory and Deregulatory Actions</PUBLICATION_TITLE>
        </PUBLICATION>
        <AGENCY>
            <CODE>3064</CODE>
            <NAME>Federal Deposit Insurance Corporation</NAME>
            <ACRONYM>FDIC</ACRONYM>
        </AGENCY>
        <RULE_TITLE>Deposit Insurance Regulations;Temporary Increase in Standard Coverage Amount; Mortgage Servicing Accounts </RULE_TITLE>
        <ABSTRACT><![CDATA[The FDIC adopted its interim rule to amend its deposit insurance regulations to: (1) Reflect Congresss recent action to temporarily increase the standard deposit insurance amount from $100,000 to $250,000; and (2) provide pass-through deposit insurance coverage for deposit accounts maintained by a mortgage servicer, in a custodial or other fiduciary capacity, which comprise  payments by mortgagors of principal and interest, on a per mortgagor (or borrower) basis, rather than on a per mortgagee, investor or security holder basis.  The FDICs main goals in revising its insurance rule on mortgage servicing accounts are to simplify a rule that has become increasingly complex in application due to developments in securitizations and to provide additional certainty with respect to the deposit insurance coverage of these accounts at a time of turmoil in the housing and financial markets.  The FDIC believes this regulatory change will help improve public confidence in the banking system.  The interim rule on mortgage servicing accounts replaces the current rule, which provides that the mortgage servicing accounts are insured for the interest of each owner (mortgagee, investor or security holder).]]></ABSTRACT>
        <PRIORITY_CATEGORY>Substantive, Nonsignificant</PRIORITY_CATEGORY>
        <RIN_STATUS>First Time Published in The Unified Agenda</RIN_STATUS>
        <RULE_STAGE>Final Rule Stage</RULE_STAGE>
        <MAJOR>No</MAJOR>
        <UNFUNDED_MANDATE_LIST>
            <UNFUNDED_MANDATE>Undetermined</UNFUNDED_MANDATE>
        </UNFUNDED_MANDATE_LIST>
        <CFR_LIST>
            <CFR>12 CFR 330.1(n)</CFR>
            <CFR>12 CFR 330.7(d)</CFR>
        </CFR_LIST>
        <LEGAL_AUTHORITY_LIST>
            <LEGAL_AUTHORITY>12 USC 1813(l)</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 USC 1813(m)</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 USC 1817(i)</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 USC 1818(q)</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>...</LEGAL_AUTHORITY>
        </LEGAL_AUTHORITY_LIST>
        <LEGAL_DLINE_LIST/>
        <RPLAN_ENTRY>No</RPLAN_ENTRY>
        <TIMETABLE_LIST>
            <TIMETABLE>
                <TTBL_ACTION>Interim Final Rule</TTBL_ACTION>
                <TTBL_DATE>10/17/2008</TTBL_DATE>
                <FR_CITATION>73 FR 61658</FR_CITATION>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>Interim Final Rule Comment Period End</TTBL_ACTION>
                <TTBL_DATE>12/16/2008</TTBL_DATE>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>Final Action</TTBL_ACTION>
                <TTBL_DATE>12/00/2009</TTBL_DATE>
            </TIMETABLE>
        </TIMETABLE_LIST>
        <RFA_REQUIRED>No</RFA_REQUIRED>
        <SMALL_ENTITY_LIST>
            <SMALL_ENTITY>No</SMALL_ENTITY>
        </SMALL_ENTITY_LIST>
        <GOVT_LEVEL_LIST>
            <GOVT_LEVEL>None</GOVT_LEVEL>
        </GOVT_LEVEL_LIST>
        <FEDERALISM>No</FEDERALISM>
        <ENERGY_AFFECTED>No</ENERGY_AFFECTED>
        <FURTHER_INFO_URL>http://www.fdic.gov/regulations/laws/federal/08final.html</FURTHER_INFO_URL>
        <PUBLIC_COMMENT_URL>http://www.fdic.gov/regulations/laws/federal/2008/08comAD36.html</PUBLIC_COMMENT_URL>
        <PRINT_PAPER>No</PRINT_PAPER>
        <INTERNATIONAL_INTEREST>No</INTERNATIONAL_INTEREST>
        <AGENCY_CONTACT_LIST>
            <CONTACT>
                <FIRST_NAME>Christopher</FIRST_NAME>
                <LAST_NAME>Hencke</LAST_NAME>
                <MIDDLE_NAME>L.</MIDDLE_NAME>
                <TITLE>Counsel, Legal Division</TITLE>
                <AGENCY>
                    <CODE>3064</CODE>
                    <NAME>Federal Deposit Insurance Corporation</NAME>
                    <ACRONYM>FDIC</ACRONYM>
                </AGENCY>
                <PHONE>202 898-8839</PHONE>
                <MAILING_ADDRESS>
                    <STREET_ADDRESS>550 17th Street NW.,</STREET_ADDRESS>
                    <CITY>Washington</CITY>
                    <STATE>DC</STATE>
                    <ZIP>20429</ZIP>
                </MAILING_ADDRESS>
            </CONTACT>
        </AGENCY_CONTACT_LIST>
    </RIN_INFO>
</REGINFO_RIN_DATA>
