(a) Definitions. For purposes of this section, the following definitions apply--
(1) Failed insured depository institution is an insured depository institution for which the FDIC has been appointed receiver pursuant to 12 U.S.C. 1821(c)(1).
(2) Insured depository institution has the same meaning as provided by 12 U.S.C. 1813(c)(2).
(3) Records means any reasonably accessible document, book, paper, map, photograph, microfiche, microfilm, computer or electronically-created record generated or maintained by an insured depository institution in the course of and necessary to its transaction of business.
(i) Examples of records include, without limitation, board or committee meeting minutes, contracts to which the insured depository institution was a party, deposit account information, employee and employee benefits information, general ledger and financial reports or data, litigation files, and loan documents.
(ii) Records do not include:
(A) Multiple copies of records; or
(B) Examination, operating, or condition reports prepared by, on behalf of, or for the use of the FDIC or any agency responsible for the regulation or supervision of insured depository institutions.
(b) Determination of records. In determining whether particular documentary material obtained from a failed insured depository institution is a record for purposes of 12 U.S.C. 1821(d)(15)(D), the FDIC in its discretion will consider the following factors:
(1) Whether the documentary material related to the business of the insured depository institution,
(2) Whether the documentary material was generated or maintained as records in the regular course of the business of the insured depository institution in accordance with its own recordkeeping practices and procedures or pursuant to standards established by its regulators,
(3) Whether the documentary material is needed by the FDIC to carry out its receivership function, and
(4) The expected evidentiary needs of the FDIC.
(c) The FDIC's determination that documentary material from a failed insured depository institution constitutes records is solely for the purpose of identifying that documentary material that must be maintained pursuant to 12 U.S.C. 1821(d)(15)(D) and shall not bear on the discoverability or admissibility of such documentary material in any court, tribunal or other adjudicative proceeding, nor on whether such documentary material is subject to release under the Freedom of Information Act, the Privacy Act or other law.
(d) Destruction of records. (1) Except as provided in paragraph (d)(2) of this section, after the end of the six-year period beginning on the date the FDIC is appointed as receiver of a failed insured depository institution, the FDIC may destroy any records of an institution which the FDIC, in its discretion, determines to be unnecessary unless directed not to do so by a court of competent jurisdiction or governmental agency, prohibited by law, or subject to a legal hold imposed by the FDIC.
(1) Except as provided in paragraph (d)(2) of this section, after the end of the six-year period beginning on the date the FDIC is appointed as receiver of a failed insured depository institution, the FDIC may destroy any records of an institution which the FDIC, in its discretion, determines to be unnecessary unless directed not to do so by a court of competent jurisdiction or governmental agency, prohibited by law, or subject to a legal hold imposed by the FDIC.
(2) Notwithstanding paragraph (d)(1) of this section, the FDIC may destroy records of a failed insured depository institution which are at least 10 years old as of the date on which the FDIC is appointed as the receiver of such institution in accordance with paragraph (d)(1) of this section at any time after such appointment is final, without regard to the six-year period of limitation contained in paragraph (d)(1) of this section.
(e) Transfer of records. If the FDIC transfers records to a third party in connection with a transaction involving the purchase and assumption of assets and liabilities of an insured depository institution, the recordkeeping requirements of 12 U.S.C. 1821(d)(15)(D), and paragraph (d) of this section shall be satisfied if the transferee agrees that it will not destroy such records for at least six years from the date the FDIC was appointed as receiver of such failed insured depository institution unless otherwise notified in writing by the FDIC.
(f) Policies and procedures. The FDIC may establish policies and procedures with respect to the retention and destruction of records that are consistent with this section. [78 FR 54376, Sept. 4, 2013]
Sec. Appendix A to Part 360--Non-Monetary Transaction File Structure
This is the structure of the data file the FDIC will provide to remove or add a FDIC hold for an individual account or sub-account. The file will be in a tab- or pipe-delimited ASCII format and provided through FDICconnect or Direct Connect. The file will be encrypted using an FDIC-supplied algorithm. ----------------------------------------------------------------------------------------------------------------
Field name Field description Comments Format----------------------------------------------------------------------------------------------------------------1. DP--Acct--Identifier............. Account Identifier..... The Account Identifier Character (25).
The primary field used may be composed of
to identify the more than one
account. This field physical data
may be the Account element. If multiple
Number.. fields are required
to identify the
account, data should
be placed in separate
fields and the FDIC
instructed how these
fields are combined
to uniquely identify
the account.2. DP--Acct--Identifier--2.......... Account Identifier--2.. ...................... Character (25).
If necessary, the
second element used to
identify the account.3. DP--Acct--Identifier--3.......... Account Identifier--3.. ...................... Character (25).
If necessary, the third
element used to
identify the account.4. DP--Acct--Identifier--4.......... Account Identifier--4.. ...................... Character (25).
If necessary, the
fourth element used to
identify the account.5. DP --Acct--Identifier--5......... Account Identifier--5.. ...................... Character (25).
If necessary, the fifth
element used to
identify the account.6. DP--Sub--Acct--Identifier........ Sub-Account Identifier. The Sub-Account Character (25).
If available, the Sub- Identifier may
Account identifier for identify separate
the account.. deposits tied to this
account where there
are different
processing parameters
such as interest
rates or maturity
dates, but all owners
are the same.
7. PH--Hold--Action................. Hold Action............ ...................... Character (1).
The requested hold
action to be taken for
this account or sub-
account..
Possible values are:
R = Remove...........
A = Add..............8. PH--Hold--Amt.................... Hold Amount............ ...................... Decimal (14,2).
Dollar amount of the
FDIC hold to be
removed or added.9. PH--Hold--Desc................... Hold Description....... ...................... Character (225).
FDIC hold to be removed
or added.---------------------------------------------------------------------------------------------------------------- [73 FR 41197, July 17, 2008]
Sec. Appendix B to Part 360--Debit/Credit File Structure
This is the structure of the data file the FDIC will provide to apply debits and credits to an individual account or sub-account after the removal of FDIC holds. The file will be in a tab- or pipe-delimited ASCII format and provided through FDICconnect or Direct Connect. The file will be encrypted using an FDIC-supplied algorithm. ----------------------------------------------------------------------------------------------------------------
Field name Field description Comments Format----------------------------------------------------------------------------------------------------------------1. DP--Acct--Identifier............. Account Identifier..... The Account Identifier Character (25).
The primary field used may be composed of
to identify the more than one
account. This field physical data
may the Account element. If multiple
Number.. fields are required
to identify the
account, data should
be placed in separate
fields and the FDIC
instructed how these
fields are combined
to uniquely identify
the account.2. DP --Acct--Identifier--2......... Account Identifier--2.. ...................... Character (25).
If necessary, the
second element used to
identify the account.3. DP--Acct--Identifier--3.......... Account Identifier--3.. ...................... Character (25).
If necessary, the third
element used to
identify the account.4. DP --Acct--Identifier--4......... Account Identifier--4.. ...................... Character (25).
If necessary, the
fourth element used to
identify the account.5. DP --Acct--Identifier--5......... Account Identifier--5.. ...................... Character (25).
If necessary, the fifth
element used to
identify the account.6. DP--Sub--Acct--Identifier........ Sub-Account Identifier. The Sub-Account Character (25).
If available, the sub- Identifier may
account identifier for identify separate
the account.. deposits tied to this
account where there
are different
processing parameters
such as interest
rates or maturity
dates, but all owners
are the same.7. DC --Debit--Amt.................. Debit Amount........... ...................... Decimal (14,2).
Dollar amount of the
debit to be applied to
the account or sub-
account.8. DC--Credit--Amt.................. Credit Amount.......... ...................... Decimal (14,2).
Dollar amount of the
credit to be applied
to the account or sub-
account.9. DC--Transaction--Desc............ Debit/Credit ...................... Character (225).
Description.
FDIC message associated
with the debit or
credit transaction.---------------------------------------------------------------------------------------------------------------- [73 FR 41197, July 17, 2008]
Sec. Appendix C to Part 360--Deposit File Structure
This is the structure for the data file to provide deposit data to the FDIC. If data or information are not maintained or do not apply, a null value in the appropriate field should be indicated. The file will be in a tab-or pipe-delimited ASCII format. Each file name will contain the institution's FDIC Certificate Number, an indication that it is a deposit file type and the date of the extract. The files will be encrypted using an FDIC-supplied algorithm. The FDIC will transmit to the covered institution the encryption algorithm over FDICconnect.
The total deposit balances and the number of deposit accounts in each deposit file must be reconciled to the subsidiary system control totals.
The FDIC intends to fully utilize a covered institution's understanding of its customers and the data maintained around deposit accounts. Should additional information be available to the covered institution to help the FDIC more quickly complete its insurance determination process, it may add this information to the end of this data file. Should additional data elements be provided, a complete data dictionary for these elements must be supplied along with a description of how this information could be best used to establish account ownership or insurance category.
The deposit data elements provide information specific to deposit account balances and account data. The sequencing of these elements, their physical data structures and the field data format and field length must be provided to the FDIC along with the data structures identified below.
A header record will also be required at the beginning of this file. This record will contain the number of accounts to be included in this file, the maximum number of characters contained in largest account title field maintained within the deposit file and the maximum number of characters contained in largest address field maintained within the deposit file.
Note: Each record must contain the account title/name and current account statement mailing address. Fields 17-33 relate to the account name and address information. Some systems provide for separate fields for account title/name, street address, city, state, ZIP, and country, all of which are parsed out. Others systems may simply provide multiple lines for name, street address, city, state, ZIP, with no distinction. Populate fields that best fit the system's data, either fields 17-27 or fields 28-33. ----------------------------------------------------------------------------------------------------------------
Field name Field description Comments Format----------------------------------------------------------------------------------------------------------------1. DP--Acct--Identifier............. Account Identifier..... The Account Identifier Character (25).
The primary field used may be composed of
to identify the more than one
account. This field physical data
may be the Account element. If multiple
Number.. fields are required
to identify the
account, data should
be placed in separate
fields and the FDIC
instructed how these
fields are combined
to uniquely identify
the account.2. DP--Acct--Identifier--2.......... Account Identifier--2.. ...................... Character (25).
If necessary, the
second element used to
identify the account..3. DP--Acct--Identifier--3.......... Account Identifier--3.. ...................... Character (25).
If necessary, the third
element used to
identify the account..4. DP--Acct--Identifier--4.......... Account Identifier--4.. ...................... Character (25).
If necessary, the
fourth element used to
identify the account..5. DP--Acct--Identifier--5.......... Account Identifier--5.. ...................... Character (25).
If necessary, the fifth
element used to
identify the account..6. DP--Sub--Acct--Identifier........ Sub-Account Identifier. The Sub-Account Character (25).
If available, the sub- Identifier may
account identifier for identify separate
the account.. deposits tied to this
account where there
are different
processing parameters
such as interest
rates or maturity
dates, but all owners
are the same.7. DP--Bank--No..................... Bank Number............ ...................... Character (15).
The bank number
assigned to the
deposit account..
8. DP--Tax--ID...................... Tax ID................. For consumer accounts, Character (15).
The tax identification typically, this would
number maintained on be the primary
the account.. account holder's
social security
number (``SSN''). For
business accounts it
would be the federal
tax identification
number (``TIN'').
Hyphens are optional
in this field.9. DP--Tax--Code.................... Tax ID Code............ Generally deposit Character (1).
The type of the tax systems have flags or
identification number. indicators set to
Possible values are:. indicate whether the
S = Social Security number is an SSN or
Number.. TIN.
T = Federal Tax
Identification Number..
O = Other............10. DP--Branch...................... Branch Number.......... In lieu of a branch Character (15).
The branch or office number this field may
associated with the represent a specialty
account.. department or
division.11. DP--Cost--Center................ Cost Center or G/L Code This field ties to the Character (20).
The identifier used for general ledger
organization reporting accounts.
or ownership of the
account. Insert null
value if the cost
center is not carried
in the deposit record..12. DP--Dep--Type................... Deposit Type Indicator. A deposit--also called Character (1).
The type of deposit by a ``domestic
office location. deposit''--includes
Possible values are:. only deposit
D = Deposit liabilities payable
(Domestic).. in the United States,
F = Foreign Deposit.. typically those
deposits maintained
in a domestic office
of an insured
depository
institution, as
defined in section
3(l) of the Federal
Deposit Insurance Act
(12 U.S.C. 1813(l)).
A foreign deposit is
a deposit liability
in a foreign branch
payable solely at a
foreign branch or
branches.13. DP--Currency--Type.............. Currency Type.......... ...................... Character (3).
The ISO 4217 currency
code..14. DP--Ownership--Ind.............. Customer Ownership Single: Accounts owned Character (2).
Indicator. by an individual and
The type of ownership those accounts held
at the account level. as Minor Accounts,
Possible values are:. Estate Accounts, Non-
S = Single........... Minor Custodian/
J = Joint Account.... Guardian Accounts,
P = Partnership Attorney in Fact
account.. Accounts and Sole
C = Corporation...... Proprietorships.
B = Brokered Joint Account:
Deposits.. Accounts owned by two
I = IRA Accounts..... or more individuals,
U = Unincorporated but does not include
Association.. the ownership of a
R = Revocable Trust.. Payable on Death
IR = Irrevocable Account or Trust
Trust.. Account..
G = Government Partnership Account:
Accounts.. Accounts owned by a
E = Employee Benefit Partnership.
Plan Accounts.. Corporation: Accounts
O = Other............ owned by a
Corporation (e.g.
Inc., L.L.C., or
P.C.)..
Brokered Deposits:
Accounts placed by a
deposit broker who
acts as an
intermediary for the
actual owner or sub-
broker..
IRA Accounts: Accounts
for which the owner
has the right to
direct how the funds
are invested
including Keoghs and
other Self-Directed
Retirement Accounts..
Unincorporated
Association: An
account owned by an
association of two or
more persons formed
for some religious,
educational,
charitable, social or
other non-commercial
purpose.
Revocable Trusts:
Including PODs and
formal revocable
trusts (e.g. Living
Trusts, Intervivos
Trusts or Family
Trusts).
Irrevocable Trusts:
Accounts held by a
trust established by
statute or written
trust in which the
grantor relinquishes
all power to revoke
the trust.
Government Accounts:
Accounts owned by a
government entity
(e.g. City, State,
County or Federal
government entities
and their sub-
divisions).
Employee Benefit Plan:
Accounts established
by the administrator
of an Employee
Benefit Plan
including defined
contribution, defined
benefit and employee
welfare plans.
Other Accounts:
Accounts owned by an
entity not described
above.15. DP--Prod--Cat................... Product Category....... Product Category is Character (3).
The product sometimes referred to
classification. as ``application
Possible values are:. type'' or ``system
type''.
DDA = Non-Interest
Bearing Checking
accounts.
NOW = Interest
Bearing Checking
accounts.
MMA = Money Market
Deposit Accounts.
SAV = Other savings
accounts.
CDS = Time Deposit
accounts and
Certificate of Deposit
accounts, including
any accounts with
specified maturity
dates that may or may
not be renewable.16. DP--Stat--Code.................. Status Code............ Character (1).
Status or condition of
the account. Possible
values are:.
O = Open.
D = Dormant.
I = Inactive.
E = Escheatment.
A = Abandoned.
C = Closing.
R = Restricted/Frozen/
Blocked.17. DP--Acct--Title--1.............. Account Title Line 1... These data will be Character (100).
Account styling or used to identify the
titling of the owners and
account.. beneficiaries of the
account.18. DP--Acct--Title--2.............. Account Title Line 2... ...................... Character (100).
If available, the
second account title
line..19. DP--Acct--Title--3.............. Account Title Line 3... ...................... Character (100).
If available, the third
account title line..20. DP--Acct--Title--4.............. Account Title Line 4... ...................... Character (100).
If available, the
fourth account title
line..21. DP--Street--Add--Ln--1.......... Street Address Line 1.. ...................... Character (100).
The current account
statement mailing
address of record..
22. DP--Street--Add--Ln--2.......... Street Address Line 2.. ...................... Character (100).
If available, the
second mailing address
line..23. DP--Street--Add--Ln--3.......... Street Address Line 3.. ...................... Character (100).
If available, the third
mailing address line..24. DP--City........................ City................... ...................... Character (50).
The city associated
with the mailing
address..25. DP--State....................... State.................. Use a two-character Character (2).
The state abbreviation state code (official
associated with the U.S. Postal Service
mailing address.. abbreviations).26. DP--ZIP......................... ZIP.................... If the ``+4'' code is Character (10).
The ZIP + 4 code not available provide
associated with the only the 5-digit ZIP
mailing address.. code. Hyphens are
optional in this
field.27. DP--Country..................... Country................ Provide the country Character (10).
The country associated name or the standard
with the mailing IRS country code.
address..28. DP--NA--Line--1................. Name/Address Line 1.... Fields 28-33 are to be Character (100).
Alternate name/address used if address data
format for the current are not parsed to
account statement populate Fields 17-
mailing address of 27.
record, first line..29. DP--NA--Line--2................. Name/Address Line 2.... ...................... Character (100).
Alternate name/address
format, second line..30. DP--NA--Line--3................. Name/Address Line 3.... ...................... Character (100).
Alternate name/address
format, third line..31. DP--NA--Line--4................. Name/Address Line 4.... ...................... Character (100).
Alternate name/address
format, fourth line..32. DP--NA--Line--5................. Name/Address Line 5.... ...................... Character (100).
Alternate name/address
format, fifth line..33. DP--NA--Line--6................. Name/Address Line 6.... ...................... Character (100).
Alternate name/address
format, sixth line..34. DP--Cur--Bal.................... Current Balance........ This balance should Decimal (14,2).
The current balance in not be reduced by
the account at the end float or holds. For
of business on the CDs and time
effective date of this deposits, the balance
file.. should reflect the
principal balance
plus any interest
paid and available
for withdrawal not
already included in
the principal (do not
include accrued
interest). The total
of all current
balances in this file
should reconcile to
the total deposit
trial balance totals
or other summary
reconciliation of
deposits performed by
the institution.35. DP--Int--Rate................... Interest Rate.......... Interest rate should Decimal (10,9).
The current interest be expressed in
rate in effect for decimal format, i.e.,
interest bearing 2.0% should be
accounts.. represented as
0.020000000.36. DP--Acc--Int.................... Accrued Interest....... ...................... Decimal (14,2).
The amount of interest
that has been earned
but not yet paid to
the account as of the
date of the file..37. DP--Lst--Int--Pd................ Date Last Interest Paid ...................... Date (YYYYMMDD).
The date through which
interest was last paid
to the account..38. DP--Lst--Deposit................ Date Last Deposit...... For example, a deposit Date (YYYYMMDD).
The date of the last that included checks
deposit transaction and/or cash.
posted to the account..39. DP--Int--Term--No............... Interest Term Number... ...................... Decimal (3,0).
The number of months in
the current interest
term..
40. DP--Nxt--Mat.................... Date of Next Maturity.. For non-renewing CDs Date (YYYYMMDD).
For CD and time deposit that have matured and
accounts, the next are waiting to be
date the account is to redeemed this date
mature.. may be in the past.41. DP--Open--DT.................... Account Open Date...... If the account had Date (YYYYMMDD).
The date the account previously been
was opened.. closed and re-opened,
this should reflect
the most recent re-
opened date.42. DP--Sweep--Code................. Sweep Code............. ...................... Character (1).
Indicates if the
account is a sweep
account. Possible
values are:
Y = Yes.
N = No.43. DP--Hold--To--Post.............. Full Hold on the ...................... Character (1).
account: Indicator if
all postings to this
account are
restricted. Possible
values are:
Y = Yes.
N = No.44. DP--Issue--Val--Amt............. Issued Value Amount.... For CDs only. Decimal (14,2).
The value of the
current CD when
issued..45. DP--Int--CD--Cde................ Type of Interest for CD For CDs only. Character (1).
Possible values are:
C = Rate Change
Allowed.
N = Rate Change Not
Allowed.
R = Change Rate to
Default at Renewal.
T = Rate Change
Allowed Only During
the Term.46. DP--IRA--Cde.................... IRA Code............... Optional code field to Character (1).
The type of IRA. be used if available
Possible values are:. to help further
C = Corporate identify the types of
Retirement. IRA accounts.
E = Educational IRA..
I = IRA Account......
K = Keogh Account....
R = Roth IRA Account.
S = SEP Account......
T = Transitional Roth
IRA..
V = Versa Account....
H = Health Savings
Account..47. DP--Deposit--Class--Type........ Deposit Class Type..... The institution may Character (10).
The deposit class. also use more or
Possible values are:. fewer class types.
RTL = Retail.
FED = Federal
government.
STATE = State
government.
COMM = Commercial.
CORP = Corporate.
BANK = Bank Owned.
DUE TO = Other Banks.
48. DP--Product--Class--Cde......... Deposit Class Codes.... These Product Class Character (2).
The deposit class codes are used in
codes. Possible values conjunction with the
are:. Deposit Class Types
RTL.................... in field 51. This
1 = Payable on Death. field is to be used
2 = Individual....... in concert with
3 = Living Trust-- fields 12 and 13
Intervivos or Family.. identified above to
4 = Irrevocable Trust enable the financial
(includes Educational institution to
IRAs).. capture more detailed
5 = Estate........... information
6 = Attorney in Fact. concerning account
7 = Minor--(includes types. It is the
all variations of intent of the FDIC to
Uniform Gifts to Minor have the financial
Accounts).. institution map its
8 = Bankruptcy detailed account
Personal.. types to the codes
9 = Pre-Need Burial.. identified in this
10 = Escrow.......... field. The
11 = Representative institution may also
Payee/Beneficiary.. use additional codes,
12 = Sole but in this event the
Proprietorship.. institution must
13 = Joint........... supply the detailed
14 = Non-Minor description and code
Custodian/Guardian.. value for each
15 = Other Retail.... additional code used.
If no additional
account product type
detail is available
then this field
should be left blank.
FED
16 = FHA.............
17 = Federal
Government..
STATE..................
18 = City............
19 = State...........
20 = County, Clerk of
Court..
21 = Other State.....
COMMERCIAL.............
22 = Business Escrow.
23 = Bankruptcy......
24 = Club............
25 = Church..........
26 = Unincorporated
Association..
27 = Unincorporated
Non-Profit..
28 = Other
Commercial..
CORPORATION............
29 = Business Trust..
30 = Business Agent..
31 = Business
Guardian..
32 = Incorporated
Association..
33 = Incorporated Non-
Profit..
33 = Incorporated Non-
Profit..
34 = Corporation.....
35 = Corporate
Partnership..
36 = Corporate
Partnership Trust..
37 = Corporate Agent.
38 = Corporate
Guardian..
39 = Pre-Need Funeral
Trust..
40 = Limited
Liability
Incorporation..
41 = LLC partnership.
42 = Lawyer Trust....
43 = Realtor Trust...
44 = Other
Corporation..
BANK...................
45 = Certified &
Official Checks, Money
Orders, Loan
Disbursements Checks,
and Expense Checks..
46 = ATM Settlement..
47 = Other Bank Owned
Accounts..
DUE TO (Other Banks)...
48 = Due to U.S.
Banks..
49 = Due to U.S.
Branches of Foreign
Banks..
50 = Due to Other
Depository
Institutions..
51 = Due to Foreign
Banks..
52 = Due to Foreign
Branches of U.S.
banks..
53 = Due to Foreign
Governments and
Official Institutions..---------------------------------------------------------------------------------------------------------------- [73 FR 41197, July 17, 2008]
Sec. Appendix D to Part 360--Sweep/Automated Credit Account File
Structure
This is the structure of the data file to provide information to the FDIC on funds residing in investment vehicles linked to each non-closed deposit account or sub-account: (1) Involved in sweep activity where the sweep investment vehicle is not a deposit and is reflected on the books and records of the covered institution or (2) which accepts automated credits. A single record should be used for each instance where funds affiliated with the deposit account are held in an alternative investment vehicle. For any alternative investment vehicle, a separate account may or may not exist. If an account exists for the investment vehicle, it should be noted in the record. If no account exists, then a null value for the Sweep/Automated Credit Account Identifiers should be provided, but the remainder of the data fields defined below should be populated.
For data provided in the Sweep/Automated Credit Account File, the total account balances and the number of accounts must be reconciled to subsidiary system control totals. The file will be in a tab- or pipe-delimited ASCII format. The files will be encrypted using an FDIC-supplied algorithm. The FDIC will transmit the encryption algorithm over FDICconnect. ----------------------------------------------------------------------------------------------------------------
Field name Field description Comments Format----------------------------------------------------------------------------------------------------------------1. DP--Acct--Identifier............. Account Identifier..... The Account Identifier Character (25).
The primary field used may be composed of
to identify the more than one
account from which physical data
funds are swept or element. If multiple
debited. The field may fields are required
be the Account number.. to identify the
account, data should
be placed in separate
fields and the FDIC
instructed how these
fields are combined
to uniquely identify
the account.2. DP--Acct--Identifier--2.......... Account Identifier--2.. ...................... Character (25).
If necessary, the
second element used to
identify the account
from which funds are
swept or debited..3. DP--Acct--Identifier--3.......... Account Identifier--3.. ...................... Character (25).
If necessary, the third
element used to
identify the account
from which funds are
swept or debited..4. DP--Acct--Identifier--4.......... Account Identifier--4.. ...................... Character (25).
If necessary, the
fourth element used to
identify the account
from which funds are
swept or debited..5. DP --Acct--Identifier--5......... Account Identifier--5.. ...................... Character (25).
If necessary, the fifth
element used to
identify the account
from which funds are
swept or debited..6. DP--Sub--Acct--Identifier........ Sub-Account Identifier. The Sub-Account Character (25).
If available, the sub- Identifier may
account identifier for identify separate
the account.. deposits tied to this
account where there
are different
processing parameters
such as interest
rates or maturity
dates, but all owners
are the same.7. SW--Acct--Identifier............. Sweep/Automated Credit Funds may be swept Character (25).
Account Identifier. into an investment
The primary field used vehicle not
to identify the represented as an
account into which account. In this case
funds are swept or this field should be
credited. This field a null value.
may be the Account The Sweep/Automated
Number.. Credit Account
Identifier may be
composed of more than
one physical data
element. If multiple
fields are required
to identify the
account, data should
be placed in separate
fields and the FDIC
instructed how these
fields are combined
to uniquely identify
the account..8. SW--Acct--Identifier--2.......... Sweep/Automated Credit ...................... Character (25).
Account Identifier--2.
If necessary, the
second element of the
account identifier
used to identify the
account into which
funds are swept or
credited..9. SW--Acct--Identifier--3.......... Sweep/Automated Credit ...................... Character (25).
Account Identifier--3.
If necessary, the third
element of the account
identifier used to
identify the account
into which funds are
swept or credited..
10. SW--Acct--Identifier--4......... Sweep/Automated Credit ...................... Character (25).
Account Identifier--4.
If necessary, the
fourth element of the
account identifier
used to identify the
account into which
funds are swept or
credited..11. SW --Acct--Identifier--5........ Sweep/Automated Credit ...................... Character (25).
Account Identifier-5.
If necessary, the fifth
element of the account
identifier used to
identify the account
into which funds are
swept or credited..12. SW--Sub--Acct--Identifier....... Sweep/Automated Credit ...................... Character (25).
Sub-Account Identifier.
If available, the sub-
account identifier for
the account.13. SW--Type........................ Sweep/Automated Credit The investment Character (3).
Type. vehicle. Possible
values are:
RE = Repurchase
Agreement..
DD = Deposit Held in
a Domestic Office..
DF = Deposit Held in
a Foreign Office..
IBF = Deposit Held
in an International
Banking Facility..
AI = Deposit Held in
an affiliated
depository
institution..
FF = Federal Funds..
CP = Commercial
Paper..
OT = Other..........14. SW--Inv--Amount................. Fund Balance in Sweep/ ...................... Decimal (14,2).
Automated Credit
Investment Vehicle.
Dollar amount residing
in the investment
vehicle..15. SW--Currency--Type.............. Currency Type.......... ...................... Character (3).
The ISO 4217 currency
code..16. SW--Hold--Amount................ FDIC Hold Amount....... ...................... Decimal (14,2).
Amount of FDIC hold on
funds residing in the
investment vehicle..17. SW--Sweep--Interval............. Sweep/Investment ...................... Character (2).
Frequency.
The frequency with
which the sweep or
investment occurs.
Possible values are:.
D = Daily............
W = Weekly...........
BW = Bi-Weekly.......
M = Monthly..........
BM = Bi-Monthly......
Q = Quarterly........
O = Other............---------------------------------------------------------------------------------------------------------------- [73 FR 41197, July 17, 2008]
Sec. Appendix E to Part 360--Hold File Structure
This is the structure of the data file to provide information to the FDIC for each legal or collateral hold placed on a deposit account or sub-account. If data or information are not maintained or do not apply, a null value in the appropriate field should be indicated. The file will be in a tab-or pipe-delimited ASCII format. Each file name will contain the institution's FDIC Certificate Number, an indication that it is a hold data file type and the date of the extract. The files will be encrypted using an FDIC-supplied algorithm. The FDIC will transmit the encryption algorithm over FDICconnect. ----------------------------------------------------------------------------------------------------------------
Field name Field description Comments Format----------------------------------------------------------------------------------------------------------------1. DP--Acct--Identifier............. Account Identifier..... The Account Identifier Character (25).
The primary field used may be composed of
to identify the more than one
account. This field physical data
may be the Account element. If multiple
Number.. fields are required
to identify the
account, data should
be placed in separate
fields and the FDIC
instructed how these
fields are combined
to uniquely identify
the account.2. DP--Acct--Identifier--2.......... Account Identifier--2.. ...................... Character (25).
If necessary, the
second element used to
identify the account.3. DP--Acct--Identifier--3.......... Account Identifier--3.. ...................... Character (25).
If necessary, the third
element used to
identify the account.4. DP--Acct--Identifier--4.......... Account Identifier--4.. ...................... Character (25).
If necessary, the
fourth element used to
identify the account.5. DP --Acct--Identifier--5......... Account Identifier--5.. ...................... Character (25).
If necessary, the fifth
element used to
identify the account.6. DP--Sub--Acct--Identifier........ Sub-Account Identifier. The Sub-Account Character (25).
If available, the sub- Identifier may
account identifier for identify separate
the account.. deposits tied to this
account where there
are different
processing parameters
such as interest
rates or maturity
dates, but all owners
are the same.7. HD--Hold--Amt.................... Hold Amount............ ...................... Decimal (14,2).
Dollar amount of the
hold.8. HD--Hold--Reason................. Hold Reason............ ...................... Character (2).
Reason for the hold.
Possible values are:.
LN = Loan Collateral
Hold.
LG = Court Order Hold
FD = FDIC hold.......
OT = Other (do not
include daily
operational type
holds).9. HD--Hold--Desc................... Hold Description....... ...................... Character (255).
Description of the hold
available on the
system.10. HD--Hold--Start--Dt............. Hold Start Date........ ...................... Date (YYYYMMDD).
The date the hold was
initiated..11. HD--Hold--Exp--Dt............... Hold Expiration Date... ...................... Date (YYYYMMDD)
The date the hold is to
expire..---------------------------------------------------------------------------------------------------------------- [73 FR 41197, July 17, 2008]
Sec. Appendix F to Part 360--Customer File Structure
This is the structure of the data file to provide to the FDIC information related to each customer who has an account or sub-account reported in the deposit data or sweep/automated credit account file. If data or information are not maintained or do not apply, a null value in the appropriate field should be indicated. The file will be in a tab-or pipe-delimited ASCII format. Each file name will contain the institution's FDIC Certificate Number, an indication that it is a customer file type and the date of the extract. The files will be encrypted using an FDIC-supplied algorithm. The FDIC will transmit the encryption algorithm over FDICconnect.
Note: Each record must contain the customer's name and permanent legal address. Fields 4-12 relate to the customer name for individuals only. Fields 13-14 relate to the customer name for entities other than individuals. Some systems provide for separate fields for name, street address, city, state, ZIP, and country, all of which are parsed out. Others systems may simply provide multiple lines for name, street address, city, state, ZIP, with no distinction. In this case, certain name and address data elements must be parsed and provided in the appropriate fields. ----------------------------------------------------------------------------------------------------------------
Field name Field description Comments Format----------------------------------------------------------------------------------------------------------------1. CS--Cust--Identifier............. Customer Identifier.... ...................... Character (25).
The unique field used
by the institution to
identify the customer.2. CS--Tax--ID...................... Customer Tax ID Number. Hyphens are optional Character (11).
in this field.
The tax identification
number on record for
the customer.3. CS--Tax--Code.................... Customer Tax ID Code... ...................... Character (1).
The type of the tax
identification number
of the customer.
Possible values are:
S = Social Security
Number.
T = Federal Tax
Identification Number.
O = Other............4. CS--Name--Line--1................ Individual Customer ...................... Character (100).
Name Line 1.
If available, the free-
form name narrative of
the customer, first
line.5. CS--Name--Line--2................ Individual Customer ...................... Character (100).
Name Line 2.
If available, the free-
form name narrative of
the customer, second
line.6. CS--Last--Name................... Individual Customer This field is required Character (50).
Last Name. if the data element
For individuals, the is in the
customer's last name.. institution's
records. If
necessary, data
should be parsed from
fields 4 or 5 to
obtain this element.7. CS--First--Name.................. Individual Customer This field is required Character (50).
First Name. if the data element
For individuals, the is in the
customer's first name.. institution's
records. If
necessary, data
should be parsed from
fields 4 or 5 to
obtain this element.8. CS--Middle--Name................. Individual Customer This field is required Character (50).
Middle Name. if the data element
For individuals, the is in the
customer's middle institution's
name.. records. If
necessary, data
should be parsed from
fields 4 or 5 to
obtain this element.9. CS--Suffix....................... Individual Professional This field is required Character (20).
Suffix. if the data element
For individuals, the is in the
suffix designating institution's
customer's academic, records. If
professional or necessary, data
honorary status, such should be parsed from
as Esq., Ph.D., M.D., fields 4 or 5 to
and D.D.S.. obtain this element.10. CS--Generation.................. Individual Generational This field is required Character (10).
Suffix. if the data element
For individuals, the is in the
suffix designating the institution's
customer's records. If
generational status, necessary, data
such as Jr., Sr. or should be parsed from
III.. fields 4 or 5 to
obtain this element.11. CS--Prefix...................... Individual Customer This field is required Character (10).
Prefix. if the data element
For individuals, the is in the
prefix of the institution's
customer, such as records. If
Rev., Dr., Mrs., Mr. necessary, data
or Ms.. should be parsed from
fields 4 or 5 to
obtain this element.12. CS--Birth--Dt................... Individual Customer ...................... Date (YYYYMMDD).
Birth Date.
For individuals, the
customer's birth date.13. CS--Ent--Name--Line--1.......... Entity Name Line 1..... ...................... Character (100).
For entities other than
individuals, the free-
form name narrative of
the customer, first
line.14. CS--Ent--Name--Line--2.......... Entity Name Line 2..... ...................... Character (100).
If available for
entities other than
individuals, the free-
form name narrative of
the customer, second
line.15. CS--Nar--Addr--Line--1.......... Customer Address Line 1 ...................... Character (100).
If available, the free-
form permanent legal
address narrative for
the customer, line one.16. CS--Nar--Addr--Line--2.......... Customer Address Line 2 ...................... Character (100).
If available, the free-
form permanent legal
address narrative of
the customer, line two.
17. CS--Nar--Addr--Line--3.......... Customer Address Line 3 ...................... Character (100).
If available, the free-
form permanent legal
address narrative of
the customer, line
three.18. CS--Street--Address--1.......... Street Address Line 1.. This field is Character (100).
The permanent legal required. If
address of the necessary, data
customer, line one.. should be parsed from
fields 16 or 17 to
obtain this element.19. CS--Street--Address--2.......... Street Address Line 2.. This field is Character (100).
The permanent legal required. If
address of the necessary, data
customer, line two.. should be parsed from
fields 16 or 17 to
obtain this element.20. CS--City........................ City................... This field is Character (25).
The city associated required. If
with the permanent necessary, data
legal address.. should be parsed from
fields 16 or 17 to
obtain this element.21. CS--State....................... State.................. This field is Character (2).
The state abbreviation required. If
associated with the necessary, data
permanent legal should be parsed from
address.. fields 16 or 17 to
obtain this element.
Use a two-character
state code (official
U.S. Postal Service
abbreviations).22. CS--ZIP......................... ZIP.................... This field is Character (10).
The ZIP + 4 code required. If
associated with the necessary, data
permanent legal should be parsed from
address.. fields 16 or 17 to
obtain this element.
If the ``+4'' code is
not available,
provide only the 5-
digit ZIP code.
Hyphens are optional
in this field.23. CS--Country..................... Country................ This field is Character (10).
The country associated required. If
with the permanent necessary, data
legal address.. should be parsed from
fields 16 or 17 to
obtain this element.
Provide the name of
the country or the
standard IRS country
code.24. CS--Telephone................... Customer Telephone ...................... Character (20).
Number.
The telephone number on
record for the
customer.25. CS--Email....................... Customer Email Address. ...................... Character (150).
The e-mail address on
record for the
customer.---------------------------------------------------------------------------------------------------------------- [73 FR 41197, July 17, 2008]
Sec. Appendix G to Part 360--Deposit-Customer Join File Structure
This is the structure of the data file to provide to the FDIC information necessary to link the records in the deposit and customer files. If data or information are not maintained or do not apply, a null value in the appropriate field should be indicated. The file will be in a tab- or pipe-delimited ASCII format. Each file name will contain the institution's FDIC Certificate Number, an indication that it is a join file type and the date of the extract. The files will be encrypted using an FDIC-supplied algorithm. The FDIC will transmit the encryption algorithm over FDICconnect.
The deposit-customer join file will have one or more records for each deposit account, depending on the number of relationships to each account. A simple individual account, for example, will be associated with only one record in the deposit-customer join file indicating the owner of the account. A joint account with two owners will be associated with two records in the deposit-customer join file, one for each owner. The deposit-customer join file will contain other records associated with a deposit account to designate, among other things, beneficiaries, custodians, trustees and agents. This methodology allows the FDIC to know all of the possible relationships for an individual account and also whether a single customer is involved in many accounts. ----------------------------------------------------------------------------------------------------------------
Field name FDIC field description Comments Format----------------------------------------------------------------------------------------------------------------1. CS--Cust--Identifier............. Customer Identifier.... ...................... Character (25).
The unique field used
by the institution to
identify the customer.2. DP--Acct--Identifier............. Account Identifier..... The Account Identifier Character (25).
The primary field used may be composed of
to identify the more than one
account. This field physical data
may be the Account element. If multiple
Number.. fields are required
to identify the
account, the data
should be placed in
separate fields and
the FDIC instructed
how these fields are
combined to uniquely
identify the account.3. DP--Acct--Identifier--2.......... Account Identifier--2.. ...................... Character (25).
If necessary, the
second element used to
identify the account.4. DP--Acct--Identifier--3.......... Account Identifier--3.. ...................... Character (25).
If necessary, the third
element used to
identify the account.5. DP--Acct--Identifier--4.......... Account Identifier--4.. ...................... Character (25).
If necessary, the
fourth element used to
identify the account.6. DP--Acct--Identifier--5.......... Account Identifier--5.. ...................... Character (25).
If necessary, the fifth
element used to
identify the account.7. DP--Sub--Acct--Identifier........ Sub-Account Identifier. The Sub-Account Character (25).
If available, the sub- Identifier may
account identifier for identify separate
the account.. deposits tied to this
account where there
are different
processing parameters
such as interest
rates or maturity
dates, but all owners
are the same.8. CS--Rel--Code.................... Relationship Code...... Institutions must map Character (5).
The code indicating how their relationship
the customer is codes to the codes in
related to the the list to the left.
account. Possible If the institution
values are:. maintains more
ADM = Administrator.. relationships they
AGT = Agent/ must supply the
Representative.. additional
ATF = Attorney For... relationship codes
AUT = Authorized being utilized along
Signer.. with the code
definition.
BNF = Beneficiary....
CSV = Conservator....
CUS = Custodian......
DBA = Doing Business
As.
EXC = Executor.......
GDN = Guardian.......
MIN = Minor..........
PRI = Primary Owner..
SEC = Secondary
Owner(s).
TTE = Trustee........9. CS--Bene--Code................... Beneficiary Type Code.. This includes Character (1).
If the customer is beneficiaries on
considered a retirement accounts,
beneficiary, the type trust accounts, minor
of account associated accounts, and payable-
with this customer. on-death accounts.
Possible values are:.
I = IRA..............
T = Trust--
Irrevocable.
R = Trust--Revocable.
M = Uniform Gift to
Minor.
P = Payable on Death.
O = Other............---------------------------------------------------------------------------------------------------------------- [73 FR 41197, July 17, 2008] Sec. Appendix H to Part 360--Possible File Combinations for Deposit Data
A covered institution must provide deposit data using separate deposit, sweep/automated credit, hold, customer, and deposit-customer join files. The simplest file structure involves providing one of each file. This basic file format is shown in Figure 1. [GRAPHIC] [TIFF OMITTED] TR17JY08.000
Multiple combinations of deposit, sweep/automated credit, hold, customer, and deposit-customer join files are permissible, but only in the following circumstances:
1. Each separate deposit file must have companion sweep/automated credit and hold files covering the same deposit accounts.
2. A single customer file may be submitted covering customers affiliated with deposit accounts in one or more deposit files as long as the customer file contains information on all of the customers affiliated with the deposit files.
3. Several customer files may be submitted as long as each separate customer file contains information on all of the customers affiliated with the associated deposit files.
Figure 2 shows a permissible file configuration using a single Customer File affiliated with Deposit File A and Deposit File B. As required, Deposit File A has a companion Sweep/Automated Credit File A and Hold File A. The same is true for Deposit File B.
Another permissible combination of files is shown in Figure 3, which is a variation of the basic data file structure shown in Figure 1. [GRAPHIC] [TIFF OMITTED] TR17JY08.001 [GRAPHIC] [TIFF OMITTED] TR17JY08.002 [73 FR 41197, July 17, 2008]