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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-AD41</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>Interest Rate Restrictions on Institutions That Are Less Than Well-Capitalized</RULE_TITLE>
        <ABSTRACT><![CDATA[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.]]></ABSTRACT>
        <PRIORITY_CATEGORY>Substantive, Nonsignificant</PRIORITY_CATEGORY>
        <RIN_STATUS>First Time Published in The Unified Agenda</RIN_STATUS>
        <RULE_STAGE>Proposed Rule Stage</RULE_STAGE>
        <MAJOR>No</MAJOR>
        <UNFUNDED_MANDATE_LIST>
            <UNFUNDED_MANDATE>No</UNFUNDED_MANDATE>
        </UNFUNDED_MANDATE_LIST>
        <CFR_LIST>
            <CFR>12 CFR 337</CFR>
        </CFR_LIST>
        <LEGAL_AUTHORITY_LIST>
            <LEGAL_AUTHORITY>12 USC 1831f(a)</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 USC 1831f(c)</LEGAL_AUTHORITY>
        </LEGAL_AUTHORITY_LIST>
        <LEGAL_DLINE_LIST/>
        <RPLAN_ENTRY>No</RPLAN_ENTRY>
        <TIMETABLE_LIST>
            <TIMETABLE>
                <TTBL_ACTION>NPRM</TTBL_ACTION>
                <TTBL_DATE>02/03/2009</TTBL_DATE>
                <FR_CITATION>74 FR 5904</FR_CITATION>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>NPRM Comment Period End</TTBL_ACTION>
                <TTBL_DATE>04/06/2009</TTBL_DATE>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>Final Action</TTBL_ACTION>
                <TTBL_DATE>05/00/2009</TTBL_DATE>
            </TIMETABLE>
        </TIMETABLE_LIST>
        <RFA_REQUIRED>No</RFA_REQUIRED>
        <GOVT_LEVEL_LIST>
            <GOVT_LEVEL>None</GOVT_LEVEL>
        </GOVT_LEVEL_LIST>
        <FEDERALISM>No</FEDERALISM>
        <FURTHER_INFO_URL>http://www.fdic.gov/regulations/laws/federal/2009/09ProposedAD41.pdf</FURTHER_INFO_URL>
        <PUBLIC_COMMENT_URL>http://www.fdic.gov/regulations/laws/federal/2009/09comAD41.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>
