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• The �౦��Ϸ���� had many accomplishments in the fourth quarter of 2004, including:
  • Issuing a study on “account-hijacking” identity theft.
  • Issuing, with other bank and thrift regulators, guidance on Internal Ratings-Based Systems for Retail Credit Risk for Regulatory Capital – a major step in the domestic implementation of the Basel capital scheme.
  • Expanding outreach of its financial education program – Money Smart – to more than 300,000 consumers, resulting in the creation of about 40,000 banking relationships since the program's inception in 2001.
  • Publishing a final rule that modernizes and simplifies the Deposit Insurance Assessment certified statement process.
• Feedback to the Letter to Stakeholders is encouraged, as are suggestions for improvement.
• For more information, visit the �౦��Ϸ����'s Web site at .

Distribution:
�౦��Ϸ����-Insured Institutions

Suggested Routing:
Chief Executive Officer

Note:
�౦��Ϸ���� Financial Institution Letters (FILs) may be accessed from the �౦��Ϸ����'s Web site at www.fdic.gov/news/financial-institution-letters/2005/index.html .

To receive FILs electronically, please visit http://www.fdic.gov/about/subscriptions/fil.html .

Paper copies of �౦��Ϸ���� FILs may be obtained through the �౦��Ϸ����'s Public Information Center, 801 17th Street, NW, Room 100, Washington, DC 20434 (1-877-275-3342 or (703) 562-2200).