# FDIC Examinations of Government-Guaranteed Loans
> **Inspection / Evaluation** by Federal Deposit Insurance Corporation OIG · 2023-05-10
> *About: Federal Deposit Insurance Corporation*
## Report
- **Title:** FDIC Examinations of Government-Guaranteed Loans
- **Submitting OIG:** Federal Deposit Insurance Corporation OIG
- **Component agency:** Federal Deposit Insurance Corporation
- **Type:** Inspection / Evaluation
- **Publication date:** 2023-05-10

## Recommendations

- **Rec 1** (Closed): Develop and implement guidance to examination staff on the credit, operational (including fraud), liquidity, and compliance risks related to Government-guaranteed loans to ensure staff adequately plans and conducts examinations to identify and address…
- **Rec 10** (Closed): Develop and implement a training plan to ensure examination staff are trained on the requirements and risks of Government-guaranteed loan programs.
- **Rec 11** (Closed): Update, develop, and distribute to FDIC examination personnel a list of FDIC examiners who have significant experience examining banks that specialize in Government-guaranteed loan programs to regional offices.
- **Rec 12** (Closed): Develop and implement a process to obtain improved data regarding Government-guaranteed lending activities of FDIC-supervised financialinstitutions.
- **Rec 13** (Closed): Update the [redacted] MOU to include the sharing of loan portfolio information such as historical loan performance, status of guaranty, and loan-level risk characteristics.
- **Rec 14** (Closed): Establish arrangements with other Federal agencies that administer Government-guaranteed loan programs to facilitate information sharing andproactive identification of risk.
- **Rec 15** (Closed): Develop and implement processes and procedures for the routine sharing, receipt, and storage of confidential information with Federal agencies that administer Government-guaranteed loan programs.
- **Rec 16** (Closed): Develop and implement guidance to provide instruction to FDIC bank examination staff requiring communication and information sharing with Federal agencies that administer Government-guaranteed loan programs to ensure FDIC staff and the Federal…
- **Rec 17** (Closed): Determine whether other Federal agencies that administer Government-guaranteed loan programs have a list of FDIC-supervised banks with high risk factors associated with such programs and develop protocols to share information with relevant FDIC…
- **Rec 18** (Closed): Develop and implement guidance to ensure relevant risk information exchanged with Federal Government agencies that administer Government-guaranteed loan programs is shared internally within the FDIC on an ongoing basis with the appropriate FDIC…
- **Rec 19** (Closed): Develop and implement updated FDIC examination guidance to establish an appropriate timeframe for uploading complete supervisory business records to RADD.
- **Rec 2** (Closed): Develop and implement guidance to examination staff to ensure the staff consistently evaluate Government-guaranteed loans in their review of loan classification, assessment of off-balance sheet risk, concentration risk, and ongoing monitoring.
- **Rec 3** (Closed): Update and implement the Examination Profile Script to include additional questions on financial institution participation in Government-guaranteed loan programs in order to identify and address emerging risk.
- **Rec 4** (Closed): Develop and implement additional items to the Safety and Soundness Request List to identify Government-guaranteed loans, the performance of those loans, and status of the guaranty.
- **Rec 5** (Closed): Issue and implement guidance to require that examination staff conduct a fraud risk assessment on future Government-guaranteed loan programs involving FDIC-insured and FDIC-supervised financial institutions to inform policy decisions.
- **Rec 6** (Closed): Ensure guidance on future Government-guaranteed loan programs includes all risks associated with such programs and has instructions to allow for consistency in supervisory activities.
- **Rec 7** (Closed): Issue and implement guidance for examiners clarifying the FDIC supervisory expectations for reviewing bank PPP activities, including the level of PPP loan volume triggering a heightened review, how examiners should assess the PPP activities of banks…
- **Rec 8** (Closed): Revise and implement FDIC guidance and practices for assessing concentrations and loan classification to ensure uniform application with the other Federal bank regulators of supervisory approaches to banks
- **Rec 9** (Closed): Coordinate with the other Federal bank regulators to ensure uniform application of supervisory approaches to banks regarding concentrations and loan classification.
## Source
- [oversight.gov report page](https://www.oversight.gov/reports/fdic-examinations-government-guaranteed-loans)
---
*AI Analytics · CC0 1.0*