The FDIC issued a final rule on February 7 that implements changes to the deposit insurance assessment system required by the Dodd-Frank Act, which changed the deposit insurance assessment base from adjusted domestic deposits to average consolidated total assets minus average tangible equity.

Notes: The final rule revises the assessment rate schedule effective April 1, 2011, and adopts additional rate schedules that will go into effect when the Deposit Insurance Fund reserve ratio reaches various milestones. The final rule also revises the large bank pricing system to charge higher assessment rates to large banks with higher risk profiles.