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The FDIC invites public comment on a notice of proposed rulemaking that would amend the deposit insurance assessment regulations that govern the use of certain assessment credits awarded to eligible insured depository institutions (IDIs). Under the proposal, once the FDIC begins to apply small bank assessment credits to quarterly assessment invoices, such credits would continue to be applied as long as the Deposit Insurance Fund (DIF) reserve ratio does not decrease below 1.35 percent (instead of, as currently provided, 1.38 percent). In addition, after small bank credits have been applied for eight quarterly assessment periods, and as long as the reserve ratio is at least 1.35 percent, the FDIC would remit the full nominal value of any remaining small bank credits in lump-sum payments to each IDI holding such credits. Finally, at the same time that any remaining small bank credits are remitted, and as long as the reserve ratio is at least 1.35 percent, the FDIC is proposing to remit the full nominal value of any remaining one-time assessment credits (OTACs) in lump-sum payments to each IDI holding such credits.