# FDIC FIL-13-2005: Non-Public Supervisory Information Interagency Advisory on Confidentiality of CAMELS Ratings and Other Non-Public Supervisory Information > Federal · Agency guidance · In force URL: https://www.frixlaw.com/law-library/statutes/FDIC_FIL05013 ## Section - **Citation:** FDIC FIL-13-2005 - **Heading:** Non-Public Supervisory Information Interagency Advisory on Confidentiality of CAMELS Ratings and Other Non-Public Supervisory Information - **Jurisdiction:** Federal - **Kind:** Agency guidance - **Status:** In force - **Text as of:** August 14, 2026 - **Source:** Compiled text - **Location:** FDIC Financial Institution Letters / Non-Public Supervisory Information Interagency Advisory on Confidentiality of CAMELS Ratings and Other Non-Public Supervisory Information ## Text Financial Institution Letter FIL-13-2005 February 28, 2005 NON-PUBLIC SUPERVISORY INFORMATION Interagency Advisory on Confidentiality of CAMELS Ratings and Other Non-Public Supervisory Information Summary: The federal banking and thrift regulatory agencies are jointly issuing the attached advisory to remind institutions that, except in very limited circumstances, they are prohibited by law from disclosing CAMELS ratings and other non-public supervisory information to insurers and to other non-related third parties without permission from the appropriate federal regulator. Distribution: FDIC-Supervised Banks (Commercial and Savings) Suggested Routing: Chief Executive Officer Chief Financial Officer Related Topics: Section 309.6 of the FDIC’s Rules and Regulations Attachment: “Interagency Advisory on the Confidentiality of the Supervisory Rating and Other Nonpublic Supervisory Information” Contact: Sean Forbush, Division of Supervision and Consumer Protection, sforbush@fdic.gov, 202-898- 8506; or Pamela LeCren, Legal Division, plecren@fdic.gov, 202-898-3730 Note: FDIC financial institution letters (FILs) may be accessed from the FDIC's Web site at www.fdic.gov/news/news/financial/2005/index.html. To receive FILs electronically, please visit http://www.fdic.gov/about/subscriptions/fil.html. Paper copies of FDIC financial institution letters may be obtained through the FDIC's Public Information Center, 801 17th Street, NW, Room 100, Washington, DC 20434 (1-877-275-3342 or 202-416-6940). Highlights: • Some insurers have requested that banks and savings associations disclose their CAMELS ratings during the underwriting process when the institutions seek directors and officers liability coverage nancial institution letters may be obtained through the FDIC's Public Information Center, 801 17th Street, NW, Room 100, Washington, DC 20434 (1-877-275-3342 or 202-416-6940). Highlights: • Some insurers have requested that banks and savings associations disclose their CAMELS ratings during the underwriting process when the institutions seek directors and officers liability coverage. • The federal banking and thrift regulatory agencies are reminding banks and savings associations that, except in very limited circumstances, they may not disclose a report of examination or any portion of the report without the prior written permission of the appropriate regulator. • Any person who discloses or uses non-public information except as expressly permitted by the appropriate regulator or as provided by the regulator’s rules may be subject to the criminal penalties provided in 18 U.S.C. § 641. • The banking and thrift regulatory agencies have requested assistance from the National Association of Insurance Commissioners in notifying insurance companies that requests for CAMELS ratings should be discontinued due to the confidential nature of the ratings. Federal Deposit Insurance Corporation 550 17th Street NW, Washington, D.C. 20429-9990 Financial Institution Letter FIL-13-2005 February 28, 2005 NON-PUBLIC SUPERVISORY INFORMATION Interagency Advisory on Confidentiality of CAMELS Ratings and Other Non-Public Supervisory Information The Federal Deposit Insurance Corporation (FDIC), the Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the Office of Thrift Supervision (the Agencies) have jointly issued the attached “Interagency Advisory on the Confidentiality of the Supervisory Rating and Other Nonpublic Supervisory Information.” This advisory reminds institutions that, except in very limited circumstances, they are prohibited by law from disclosing their CAMELS rating and other non-public supervisory inform ve System, and the Office of Thrift Supervision (the Agencies) have jointly issued the attached “Interagency Advisory on the Confidentiality of the Supervisory Rating and Other Nonpublic Supervisory Information.” This advisory reminds institutions that, except in very limited circumstances, they are prohibited by law from disclosing their CAMELS rating and other non-public supervisory information to insurers as well as other non-related third parties without permission from their appropriate regulator. It has come to the attention of the Agencies that some insurers are requesting institutions to disclose CAMELS ratings during the underwriting process in order to receive directors and officers liability coverage. FDIC regulations specifically provide that the report of examination and the information contained therein are highly confidential and can only be disclosed in accordance with 12 C.F.R § 309 of the FDIC’s Rules and Regulations. Any person who discloses or uses non-public information except as expressly permitted by the FDIC or as provided by the FDIC’s regulations may be subject to the criminal penalties provided in 18 U.S.C. § 641. The Agencies have requested assistance from the National Association of Insurance Commissioners in notifying insurance companies that requests for CAMELS ratings should be discontinued due to the confidential nature of the rating. Michael J. Zamorski Director Division of Supervision and Consumer Protection ## Nearby sections - [FDIC FIL-1-2002 FOREIGN ASSETS CONTROL ACT](https://www.frixlaw.com/law-library/statutes/FDIC_FIL02001.md) - [FDIC FIL-1-2010 Employee Compensation Advance Notice of Proposed Rulemaking](https://www.frixlaw.com/law-library/statutes/FDIC_FIL10001.md) - [FDIC FIL-1-2015 DEPOSITORY INSTITUTION REPORTS](https://www.frixlaw.com/law-library/statutes/FDIC_FIL15001.md) - [FDIC FIL-1-2018 DEPOSITORY INSTITUTION REPORTS](https://www.frixlaw.com/law-library/statutes/FDIC_FIL18001.md) - [FDIC FIL-1-2024 Consolidated Reports of Condition and Income for Fourth Quarter 2023](https://www.frixlaw.com/law-library/statutes/FDIC_FIL24001.md) - [FDIC FIL-2-2019 DEPOSITORY INSTITUTION REPORTS](https://www.frixlaw.com/law-library/statutes/FDIC_FIL19002.md) - [FDIC FIL-2-2020 Consolidated Reports of Condition and Income for Fourth Quarter 2019](https://www.frixlaw.com/law-library/statutes/FDIC_FIL20002.md) - [FDIC FIL-3-2017 Community Banking Conference 2016 Highlights](https://www.frixlaw.com/law-library/statutes/FDIC_FIL17003.md) - [FDIC FIL-4-2015 The FDIC Launches Web Page to Support Marketing of Failing Financial Institutions](https://www.frixlaw.com/law-library/statutes/FDIC_FIL15004.md) - [FDIC FIL-4-2018 Revisions to the Consolidated Reports of Condition and Income (Call Report) for March and June 2018](https://www.frixlaw.com/law-library/statutes/FDIC_FIL18004.md) - [FDIC FIL-4-2019 Banker Webinar: Update on the Standardized Export of Imaged Loan Documents Initiative](https://www.frixlaw.com/law-library/statutes/FDIC_FIL19004.md) - [FDIC FIL-4-2021 Revised Guidelines for Appeals of Material Supervisory Determinations](https://www.frixlaw.com/law-library/statutes/FDIC_FIL21004.md) - [FDIC FIL-4-2023 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of California Affected by Severe Winter Storms, Flooding, Landslides and Mudslides](https://www.frixlaw.com/law-library/statutes/FDIC_FIL23004.md) - [FDIC FIL-4-2025 FDIC Statement of Policy on Bank Merger Transactions](https://www.frixlaw.com/law-library/statutes/FDIC_FIL25004.md) --- Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/FDIC_FIL05013. Check the current official text before relying on it. Not legal advice.