FDIC Proposes Asset-Based Assessments

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Description: After years of ICBA and community banker advocacy, the FDIC formally proposed asset-based deposit insurance assessments last month, as required by the Dodd-Frank Wall Street Reform and Consumer Protection Act, that will save community banks billions of dollars in lower premiums. Asset-based assessments, among those ICBA-promoted provisions adopted in the Wall Street Reform Act to ensure that the largest banks pay their fair share of deposit-insurance premiums, will lower Deposit Insurance Fund (DIF) premiums about $4.5 billion for community banks over the next three years alone. The FDIC also proposed to change the risk-based assessment scale for banks with $10 billion in assets or more.
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