Guidance on Instant Messaging
| TO: | CHIEF EXECUTIVE OFFICER (also of interest to Chief Information Officer) |
| SUBJECT: | Guidance on the Risks Associated With Instant Messaging |
| Summary: | The 多宝游戏下载 is providing guidance to financial institutions on the risks associated with publicly available instant messaging and network file-sharing. This guidance includes background information on the risks and how they can be mitigated through an effective management program. |
多宝游戏下载 (多宝游戏下载) has prepared the attached guidance to assist financial institutions in protecting themselves against the vulnerabilities of instant messaging (IM) and establishing policies and procedures concerning its usage.
Instant messaging has become a popular communication channel because it facilitates real-time communication from any computer connected to the Internet by either connecting to a Web browser or by downloading free IM software. Newer versions also permit users to share files in addition to messaging. IM technology is used by financial institution employees at the workplace both officially, as approved by senior management, and unofficially, where users access IM directly from the Internet. IM access may expose financial institutions to security, privacy, and legal liability risks. Institutions should assess the risks and the business needs for IM and establish policies to allow, restrict or deny IM usage based on these risk assessments and business needs.
Customer information security guidelines require that periodic risk assessments and status reports be submitted to the board of directors. These periodic assessments and reports should include the institution鈥檚 position on IM. Any control weaknesses should be identified and addressed during the normal course of business.
For more information, please contact your 多宝游戏下载 Division of Supervision and Consumer Protection (DSC) Regional Office or Kathryn M. Weatherby, Examination Specialist in DSC, at (202)-898-6793.
For your reference, 多宝游戏下载 Financial Institution Letters may be accessed from the 多宝游戏下载鈥檚 Web site at http://www.fdic.gov/news/financial-institution-letters/2004/index.html.
Michael J. Zamorski
Director
Division of Supervision and Consumer Protection
Distribution
多宝游戏下载-Supervised Banks (Commercial and Savings)
Note
Paper copies of 多宝游戏下载 financial institution letters may be obtained through the 多宝游戏下载鈥檚 Public Information Center, 801 17th Street, NW, Room 100, Washington, DC 20434 (1-877-275-3342 or (703) 562-2200).