Federal Financial Institutions Examination Council

What Federal Financial Institutions Examination Council does

The Federal Financial Institutions Examination Council (FFIEC) is a U.S. government interagency body established by Congress in March 1979 under the Financial Institutions Regulatory and Interest Rate Control Act of 1978. It is comprised of five federal regulatory agencies (the Board of Governors of the Federal Reserve System, the FDIC, the NCUA, the OCC, and the CFPB) plus the State Liaison Committee, which represents state banking, savings, and credit union supervisors. FFIEC's mandate is to promote uniformity and consistency in the supervision of U.S. financial institutions by prescribing uniform examination principles, standards, and report forms, administering examiner training programs, and publishing regulatory data. Its operational scope has remained structurally fixed since founding, with periodic additions such as the Appraisal Subcommittee (ASC) established within FFIEC in 1989.

FFIEC's product portfolio is an integrated ecosystem of public data platforms and analytical tools rather than discrete commercial products. Core data systems include the Central Data Repository (CDR) for Call Report and UBPR data, the National Information Center (NIC) for institution search, and specialized portals for HMDA mortgage lending, CRA community lending, E.16 country exposure, and census/demographic data. Supporting tools include the Geocoding/Mapping System, APR and APY calculation tools, BSA/AML InfoBase, IT Examination Handbook InfoBase, and a suite of standardized regulatory reporting forms (FFIEC 002, 009, 031, 041, 051, 101, 102). Training is delivered through in-person sessions at the L. William Seidman Center in Arlington, VA (leased from FDIC), virtual programs, and self-study courses, with over 150,000 examiner participants trained since inception. Recent product activity includes UBPR content updates, a proposed first-in-30-years revision to the CAMELS rating system, and sunset of the Cybersecurity Assessment Tool in August 2025.

FFIEC does not generate commercial revenue. Its operations are funded through member-agency appropriations and administrative arrangements, with its sole monetization being nominal public sale of the Basic International Banking Self-Study course. Training is provided to federal and state regulatory agency staff at no direct cost. The entity's competitive position is structurally insulated by its statutory mandate rather than by commercial competition, and its strategic priorities in 2025–2026 are focused on modernizing supervisory frameworks (CAMELS), updating UBPR content, and supporting de novo depository institution formation.

Name

Federal Financial Institutions Examination Council

Legal name

Federal Financial Institutions Examination Council

Website

https://ffiec.gov

Company type

Private

Founded year

1979

Operating status

Operating

Headcount range

11–50 employees

Short description

The Federal Financial Institutions Examination Council (FFIEC) is a U.S. government interagency body established by Congress in 1979 that promotes uniformity in the supervision of U.S. financial institutions by five federal regulators and the State Liaison Committee through standardized examination standards, public data platforms, and examiner training programs.

Ownership category

akta.pro rank

Product category

Financial Regulatory Supervision

NAICS

Public Administration (92), Regulation, Licensing, and Inspection of Miscellaneous Commercial Sectors (926150)

akta.pro primary industry

Financial Services Regulators (Banking, Securities, Insurance) (BPAIAOAK)

akta.pro secondary industry

Financial Crime & Fraud Prevention (Forensics, Investigations) (EDABAJAK)

Keywords

• Bank examination standards
• Financial regulatory supervision
• Examiner training programs
• Mortgage lending data
• Bank performance reporting

Headquarters

HQ city

Arlington

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Infrastructure, Operations, Technology or R&D

Revenue model

1. No commercial revenue: The FFIEC is a U.S. government interagency body established by Congress. It does not generate commercial revenue. Its operations are supported by member federal regulatory agencies through appropriations and administrative arrangements.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

The Federal Financial Institutions Examination Council (FFIEC) is a U.S. government interagency body established by Congress in March 1979 that prescribes uniform principles, standards, and report forms for the federal examination of financial institutions. It operates public data platforms (UBPR, CDR, NIC, HMDA, CRA, E.16, Census), regulatory reporting forms, computational tools, and examiner education training programs used by federal and state banking regulators and depository institutions.

Product overview

The Federal Financial Institutions Examination Council (FFIEC) provides a comprehensive suite of data platforms, analytical tools, and regulatory reporting systems for financial institution supervision. The core offerings include the Uniform Bank Performance Report (UBPR) for bank performance analysis, the Central Data Repository (CDR) for Call Report and financial data, the National Information Center (NIC) for institution search, and specialized data portals for HMDA mortgage lending data, CRA community lending data, E.16 country exposure data, and census/demographic data. Supporting tools include the Geocoding/Mapping System, APR and APY calculation tools, BSA/AML InfoBase, and IT Examination Handbook InfoBase. The FFIEC also administers standardized regulatory reporting forms (FFIEC 002, 009, 031, 041, 051, 101, 102) and provides examiner training programs. This is not a single product but rather an integrated ecosystem of data platforms and tools used by regulatory agencies and financial institutions.

Differentiator

Problem solved

Functional benefit

Products and services

• Uniform Bank Performance Report (UBPR) An analytical tool for bank supervisory, examination, and management purposes that shows the impact of management decisions and economic conditions on a bank's performance and balance-sheet composition. Used by bank supervisors and examiners.
• Central Data Repository (CDR) A web-based portal providing public access to bank financial data, Call Report information, and UBPR reports and related data for financial institutions.
• National Information Center (NIC) A repository of financial data and institution characteristics collected by the Federal Reserve System, searchable by institution name, RSSD ID, state, and various identifiers, covering Bank Holding Companies, Commercial Banks, Credit Unions, and others.
• HMDA Data (Home Mortgage Disclosure Act) Mortgage lending data reported under the Home Mortgage Disclosure Act of 1975, made publicly available to facilitate public access to data that depository institutions must disclose.
• CRA Data (Community Reinvestment Act) Data on small business, small farm, and community development lending as required under the Community Reinvestment Act to encourage depository institutions to help meet credit needs of their communities.
• E.16 Country Exposure Lending Survey Quarterly reporting of country exposure data for U.S. agencies and foreign banking organizations, with data and reports available approximately 90 days after the reporting date.
• Census and Demographic Data Census, income, and Metropolitan Area data for geographies used to support collection, reporting, and analysis of HMDA and CRA data. Updated as required by OMB area delineation changes.
• Geocoding/Mapping System An online tool that helps financial institutions meet their legal requirement to report information on mortgage, business, and farm loan applications by geocoding addresses and providing mapping functionality.
• APR Tool (Annual Percentage Rate) Online tool for verifying annual percentage rates and reimbursement adjustments, including finance charge and APR tolerances for loans secured by real estate or a dwelling, and Military Annual Percentage Rates (MAPR) for loans subject to the Military Lending Act.
• APY Tool (Annual Percentage Yield) Online tool for verifying annual percentage yields pursuant to the Truth in Savings Act and its implementing regulation.
• BSA/AML InfoBase Bank Secrecy Act/Anti-Money Laundering examination information and resources for financial institution examiners.
• IT Examination Handbook InfoBase Prompt delivery of introductory, reference, and educational training material on specific IT examination topics for examiners.
• Standardized Reporting Forms Standardized regulatory reporting forms including FFIEC 002 (Report of Assets and Liabilities of U.S. Branches and Agencies of Foreign Banks), FFIEC 009 (Country Exposure Report), Call Report forms (FFIEC 031, 041, 051), and capital adequacy reporting forms (FFIEC 101, 102).
• Examiner Education Training

Quantifiable outcome

• Over 150,000 examiner training participants since 1979
• +1 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• Board of Governors of the Federal Reserve SystemcoreStrategic or Co-development Partner · 1 March 1979Federal Reserve Board is a member agency of the FFIEC, contributing to the Council's mission of promoting consistency in examination activities. Provides the National Information Center (NIC) infrastructure and data collection.
• Federal Deposit Insurance Corporation (FDIC)coreStrategic or Co-development Partner · 1 March 1979FDIC is a member agency of the FFIEC. The FFIEC leases offices, classrooms, and auditorium from the FDIC at the L. William Seidman Center. FDIC hosts FFIEC Examiner Education registration.
• National Credit Union Administration (NCUA)coreStrategic or Co-development Partner · 1 March 1979NCUA is a member agency of the FFIEC. NCUA serves as the administrator of the FFIEC's public website.
• Office of the Comptroller of the Currency (OCC)coreStrategic or Co-development Partner · 1 March 1979OCC is a member agency of the FFIEC, contributing to uniform examination standards for national banks and federal savings associations.
• Consumer Financial Protection Bureau (CFPB)coreStrategic or Co-development Partner · 1 March 1979CFPB is a member agency of the FFIEC. Rule-writing authority for Regulation C (HMDA) was transferred to CFPB in 2011. CFPB hosts HMDA data publications.
• State Liaison Committee (SLC)coreStrategic or Co-development Partner · 1 March 1979The SLC provides representation from five state financial regulators. SLC includes representatives from CSBS, ACSSS, and NASCUS. The SLC Chair serves as the sixth voting member of the Council.
• Conference of State Bank Supervisors (CSBS)minorStrategic or Co-development PartnerCSBS appoints one member to the FFIEC State Liaison Committee and is a key conduit to state banking supervisors.
• American Council of State Savings Supervisors (ACSSS)minorStrategic or Co-development PartnerACSSS appoints one member to the FFIEC State Liaison Committee representing state savings supervisors.
• National Association of State Credit Union Supervisors (NASCUS)minorStrategic or Co-development PartnerNASCUS appoints one member to the FFIEC State Liaison Committee representing state credit union regulators.
• Appraisal Subcommittee (ASC)minorStrategic or Co-development PartnerCongress established the ASC within the FFIEC in 1989. ASC oversees the real estate appraisal regulatory framework for federally related transactions and provides federal oversight of state appraiser and appraisal management company regulatory programs.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Others

• Basel Committee on Banking Supervision (BCBS): BCBS is the international standard-setter for banking supervision hosted by the Bank for International Settlements. It performs a function analogous to FFIEC's but at the global level, setting capital and supervisory standards that FFIEC's domestic standards align with.
• Bank for International Settlements (BIS): BIS is the host institution for BCBS and other Basel-based standard-setting bodies. While broader in scope than FFIEC, BIS shapes international supervisory standards that FFIEC's domestic frameworks align to, making it a thematic peer in supervisory infrastructure.
• Financial Stability Board (FSB): FSB coordinates international financial stability policy across G20 jurisdictions. While FSB focuses on systemic stability rather than institution-level examination, its coordination of supervisory expectations across national authorities is thematically similar to FFIEC's interagency harmonization mandate.
• Conference of State Bank Supervisors (CSBS): CSBS represents state banking regulators and appoints a member to FFIEC's State Liaison Committee. It operates as the state-level counterpart to FFIEC's federal coordination work, coordinating uniform state-level supervision and parallel training programs.

Broad incumbents

• Consumer Financial Protection Bureau (CFPB): CFPB is one of FFIEC's five member agencies and assumed rule-writing authority for HMDA Regulation C in 2011. CFPB now publishes HMDA data through its own infrastructure that FFIEC links to, creating overlapping regulatory data responsibilities with FFIEC.
• National Credit Union Administration (NCUA): NCUA is a FFIEC member agency that supervises federal credit unions and administers FFIEC's public website. As the credit union counterpart to FFIEC's bank-focused work, NCUA represents the parallel regulator that FFIEC coordinates with.
• Office of the Comptroller of the Currency (OCC): OCC is one of FFIEC's five member agencies and charters and supervises national banks and federal savings associations. It contributes to FFIEC's uniform examination standards for the institutions it regulates, making it a closely aligned federal banking regulator.
• Board of Governors of the Federal Reserve System: The Federal Reserve Board is a FFIEC member agency that supervises bank holding companies and state member banks. It provides the National Information Center (NIC) infrastructure that underpins FFIEC's institution search capabilities, making it a key operational partner.
• Federal Deposit Insurance Corporation (FDIC): FDIC is one of the five federal member agencies of FFIEC, responsible for insuring deposits and supervising state-chartered banks. It hosts FFIEC at the L. William Seidman Center and contributes resources to FFIEC operations, making it the closest operational peer among FFIEC's constituent agencies.

Regional players

• European Banking Authority (EBA): EBA is the EU's banking regulatory and supervisory authority, performing uniform supervisory standard-setting analogous to FFIEC's role in the U.S. Although geographically distinct, EBA's mandate around harmonizing examination standards across national competent authorities is structurally similar to FFIEC's interagency coordination role.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/federal-financial-institutions-examination-council

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Federal Financial Institutions Examination Council