FINANCIAL INSTITUTION LETTER | APRIL 10, 2026

FDIC Rescinds Supervisory Guidance on Multiple Re-Presentment NSF Fees

Summary:

On June 16, 2023, the FDIC issued a Financial Institution Letter (FIL-32-2023) titled FDIC Clarifying Supervisory Approach Regarding Supervisory Guidance on Multiple Re-Presentment NSF Fees. This guidance described the FDIC’s supervisory approach relating to supervised institutions assessing multiple non-sufficient funds (NSF) fees arising from the re-presentment of the same unpaid transaction. The FDIC is rescinding FIL-32-2023 effective immediately.

Statement of Applicability:

This Financial Institution Letter (FIL) applies to all FDIC-supervised financial institutions.

Distribution:

FDIC-Supervised Institutions

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