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• The �౦��Ϸ����'s many accomplishments during the first quarter of 2005 include:
• Holding a "Fighting Back Against Phishing and Account-Hijacking" symposium.
• Issuing jointly with the Office of the Comptroller of the Currency and the Federal Reserve Board a notice of proposed rulemaking that would raise the threshold for a "small bank" in the CRA regulations from $250 million in assets to include those banks with under $1 billion in assets, regardless of any holding company size or affiliation.
• Issuing, along with other federal bank and credit union regulatory agencies, final joint guidance to assist insured depository institutions in the disclosure and administration of overdraft protection programs.
• Your feedback to the Letter to Stakeholders is encouraged, as are suggestions for improvement.
• For more information, visit the �౦��Ϸ����'s Web site at www.fdic.gov .

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���� financial institution letters 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).