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The attached materials pertain to the Consolidated Reports of Condition and Income (Call Report) for the March 31, 2025, report date and provide guidance on certain reporting issues. This Financial Institution Letter and the attached Supplemental Instructions should be shared with the individual(s) responsible for preparing the Call Report at your institution. Please plan to complete as early as possible the preparation, editing, and review of your institution’s Call Report data and the submission of these data to the agencies’ Central Data Repository (CDR). Starting your preparation early will help you identify and resolve any edit exceptions before the submission deadline. If you later find that certain information needs to be revised, please make the appropriate changes to your Call Report data and promptly submit the revised data file to the CDR.

Except for certain institutions with foreign offices, your completed Call Report must be received by Wednesday, April 30, 2025, in accordance with the filing requirements discussed below. An institution with more than one foreign office, other than a “shell” branch or an International Banking Facility, is permitted an additional five calendar days to submit its Call Report data. Such an institution must electronically file its data to the CDR no later than Monday, May 5, 2025.

There are no new data items that take effect this quarter in the FFIEC 031, FFIEC 041 or FFIEC 051 Call Report forms. Institutions should refer to the attached Supplemental Instructions for March 2025 for additional guidance on certain reporting issues. 

To enhance and implement baseline security requirements for federal information systems, the FFIEC is planning to add multifactor authentication (MFA) to the CDR application. CDR staff are working with Call Report software vendors (vendors) to implement the MFA requirements with phased implementation planned for third and fourth quarters of 2025. Vendors may engage in outreach with their bank clients to test end-user implementation of the MFA process prior to that time. CDR staff plans to provide individual notifications to users (both bank and other public users of the CDR) with updated login instructions starting in third quarter 2025.

The Call Report forms for March 31, 2025, are available for printing and downloading from the FFIEC’s  webpage for each version of the Call Report. These forms can also be accessed from the �౦��Ϸ����’s Bank Financial Reports webpage.

Each institution must file its March 31, 2025, Call Report data in one of two ways:

• By using computer software to prepare and edit its report data and then electronically submitting the data directly to the ; or
• By completing its report in paper form and arranging with a software vendor or another party to convert the paper report to the electronic format that can be processed by the CDR. The software vendor or other party then must electronically submit the institution’s Call Report data file to the CDR.

Electronic submission of first quarter 2025 Call Report data will be considered timely if the data are received by the CDR no later than Wednesday, April 30, 2025, or Monday, May 5, 2025, as applicable, and pass FFIEC-published criteria for validity and quality edits or, where necessary, contain explanations for any quality edits that are not passed. 

The CDR Help Desk is available from 9:00 a.m. until 8:00 p.m., Eastern Time, Monday through Friday, to provide assistance with user accounts, passwords, and other CDR system-related issues. The CDR Help Desk can be reached by telephone at (888) CDR‑3111, by fax at (703) 774‑3946, or by email at cdr.help@cdr.ffiec.gov. For all other Call Report issues, institutions should contact their assigned Call Report analyst. If you do not know the analyst assigned to your institution, state member institutions should contact their Federal Reserve District Bank; national institutions, �౦��Ϸ����‑supervised banks, and savings associations should contact the �౦��Ϸ����’s Data Collection and Analysis Section in Washington, D.C., by telephone at (800) 688‑�౦��Ϸ���� (3342).

• Grovetta N. Gardineer
  Senior Deputy Comptroller for
  Bank Supervision Policy
  Office of the
  Comptroller of the Currency
• Michael S. Gibson
  Director
  Division of Banking
  Supervision and Regulation
  Board of Governors of the
  Federal Reserve System
• Ryan E. Billingsley
  Acting Director
  Division of Risk Management Supervision
  Federal Deposit
  Insurance Corporation

Statement of Applicability: The contents of, and material referenced in, this FIL apply to all �౦��Ϸ����-insured financial institutions.