Large Bank Pricing Rule

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What’s the Large Bank Pricing Rule?

The Large Bank Pricing Rule is FDIC’s rule under Dodd-Frank Act detailing new reporting requirements on consumer subprime loans and other concentrations. See below to learn more about the new requirements.

New reporting requirements on subprime loans

As a result of the Dodd-Frank Act, new elements of the FDIC’s proposed Large Bank Pricing Rule went into effect on April 1, 2013. This rule requires large banks to follow new reporting requirements on consumer subprime loans and other concentrations. Previously, deposit insurance rates were charged based on the size of deposits. Under the new rule, a bank’s assets directly impacts FDIC rates, meaning institutions with higher-risk consumer subprime loan amounts may be charged higher FDIC insurance rates.

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What are the requirements?

The requirements apply to large FDIC insured institutions (those with more than $10 billion in assets) and include:

  • Potential deposit insurance for concentrations of leveraged loans, consumer subprime loans and certain types of mortgage and commercial real estate loans
  • Defines consumer subprime as where probability of default is greater than 20% over the following two years from origination, renewal or purchase

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We can help your business comply with the Large Bank Pricing Rule

Experian® can provide analytical resources and consulting to aid clients in determining the best reporting outcome.

Validations through decision analytics

Comply confidently and receive the required reporting with minimal effort on your part.

Client-led analysis

If you prefer to perform your own analysis and reporting for the FDIC, Experian offers data requests for client-led analysis.

Value-added validations

In addition to the required PD tables, we’ll include performance charts as well as a VantageScore® validation as part of the standard process.

FDIC Large Bank Pricing Rule

Learn more about the Large Bank Pricing Rule with these additional resources from the FDIC.

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Comply with the Large Bank Pricing Rule

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