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As a part of its ongoing Community Bank Initiatives, the �౦��Ϸ���� is developing a regulatory calendar to help community banks stay up-to-date on changes in federal banking laws, regulations, and supervisory guidance. The calendar will summarize regulatory developments and highlight key dates to facilitate industry comment and compliance. A draft of the calendar is available on the �౦��Ϸ���� Web site. 

Statement of Applicability to Institutions with Total Assets under $1 Billion: This Financial Institution Letter is of interest to all �౦��Ϸ����-supervised financial institutions. 

Highlights: 

• As part of its Community Banking Initiatives, the �౦��Ϸ���� has developed a regulatory calendar to facilitate compliance and help improve communication with the banking industry. The calendar summarizes information about changes in federal banking laws, regulations, and guidance.
• The calendar also includes notices of proposed, interim, and final rulemakings as well as supervisory guidance to financial institutions issued by the �౦��Ϸ���� and FFIEC, joint issuances with other regulators that do not fall under the auspices of the FFIEC, and independent issuances by other regulators relevant to the �౦��Ϸ����'s supervisory examination programs.
• In addition, the calendar provides key dates banks should be aware of, such as the comment period for proposed rules and the effective date for finalized guidance.
• Finally, the calendar provides dates and topics of upcoming outreach events for bankers, such as conference calls to discuss issues of importance.
• To view the draft regulatory calendar, visit http://www.fdic.gov/regulations/resources/cbi/calendar.html .
• Feedback on the calendar is encouraged and can be sent by email to communitybanking@fdic.gov .

Suggested Distribution: 
�౦��Ϸ����-Supervised Banks (Commercial and Savings) 

Suggested Routing: 
Chief Executive Officer 
General Counsel 
Compliance Officer 
Chief Operating Officer 
Chief Lending 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/2012/index.html . 

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

Paper copies may be obtained through the �౦��Ϸ����'s Public Information Center, 3501 Fairfax Drive, E-1002, Arlington, VA 22226 (877-275-3342 or 703-562-2200).