Policies and Guidance

Fee Schedules

• Banks, Trusts, Savings & Loans - July 1, 2026 - June 30, 2027
• Credit Unions - July 1, 2026 - June 30, 2027
• Consumer Credit - July 1, 2026 - June 30, 2027

Depository Institutions

Advisory Letters and Frequently Asked Questions

• Advisory Letter 2026-01, Depository Division, Reminder Regarding Confidentiality of Examination Reports
• Advisory Letter 2026-01, Consumer Credit Division, Ancillary Product Refunds
• Advisory Letter 2025-04, Depository Division, State-Wide Increase in ATM/ITM Jackpotting Occurrences
• Advisory Letter 2025-03, Depository Division: Indiana DFI Upcoming Implementation of URSIT Information Technology Ratings
• Advisory Letter 2025-02 Reduction in Regulatory Burden for Certain Branch Activities
• Advisory Letter 2025-01 Cyber Hygiene Industry Awareness
• DFI FI Update 01-2025 Financial Institution Audit Policy Update
• Advisory Letter 2024-01, Depository Division: FFIEC CAT Sunset Notice
• Ransomware Self-Assessment Tool (R-SAT) (October 23, 2023, Version 2.0 Release)
• Advisory Letter 2023-02, Depository Division: Credit Union Merger Voting
• Advisory Letter 2023-01, Consumer Credit Division:  BMV E-Lien Fee
• Regulation O FAQ Document for Credit Unions
• Advisory Letter 2019-02_ LIBOR
• Advisory Letter 2019-01, Lease Accounting
• Advisory Letter 2018-01, Credit Unions: Loan Regime Split-Dollar Life Insurance Programs
• Advisory Letter 2017-04, Credit Union School Branches
• Advisory Letter 2016-01 Applicability of the State's Legal Lending Limit to Bankers Healthcare Group loans
• Advisory Letter 2012-01, Credit Union Purchases of BOLI
• Formation Information

Orders

• Approval to Exercise Certain Powers Granted to National Banks Concerning Bank-Owned Community Development Corporation Activities

Annual Organizational Questionnaire

• Organizational Questionnaire to be Completed Annually

Policies

• Policy Regarding Credit Unions Issuance of Subordinated Debt
• Policy Establishing Expedited Branch ProceduresAdvisory Letter 2016-01 Applicability of the State's Legal Lending Limit to Bankers Healthcare Group loans
• Corporate Fiduciary Resolution Plan
• Revised Corporate Fiduciary Ratings Effective January 31, 2014
• Policy Establishing Criteria For Exemption Of Dividend Approval By The Department 4-11-13
• Standards for the Risk Management of Corporate Account Takeovers
• Standing Examination Sharing Cover Letter - March 2013
• Statement Of Procedure For Obtaining Standing Authority To Share Examination Findings With Authorized External Auditors Outside Counsel Officers And Employees - April 2013
• Policy Regarding the Ability of State-Chartered Depository Institutions to Engage in Derivative Transactions
• Policy Regarding Remote Participation in Members' Meetings by DFI Members
• Emergency Bank Closing Statute - February 2010
• Policy Regarding the Purchase and Holding of U.S. Government Sponsored Entity Equity Securities
• Parity Order Allowing IN State Chartered CU to Provide Health Savings Accounts to Their Members
• Audit Policy
• Policy for Closing a Branch Office
• Policy for Establishing a Bank Subsidiary
• Trust Preferred Securities
  • Trust Preferred Securities - Addendum
  • Trust Preferred Securities - Addendum 2

Consumer Credit

Letters/Interpretations

• Advisory Letter 2026-01, Consumer Credit Division, Ancillary Product Refunds
• Advisory Letter 2023-01, Consumer Credit Division:  BMV E-Lien Fee
• Administrative Interpretation 2022-01 Company Third Party Underwriting and Processing
• Advisory Letter 2020-01 SEA 395 Law Changes
  • SEA 395 Q&A (Rev. 8.14.20)   
• Advisory Letter 2019-01 Delinquency Charges
• Administrative Interpretation 2018-1, Lease to Own Transactions
• Advisory Letter 2017-03 Lease-Here, Pay-Here
• Advisory Letter 2017-02 Loansharking
• Advisory Letter 2017-01 RPAA Initial Payments

Publications

• 750 Ind. Admin. Code 1-1-1: UCCC Current Dollar Adjustments
• CPAP Advisory 6-21-19
• GAP and Debt Cancellation Guidance 4-2-18
• 2018 Legislative Changes - Consumer Credit Q&A
• Mortgage Lending and Fraud Prevention Taskforce (2008 – current)

Small Loan License Documents

• Small Loan Extended Payment Plan Model Form
• Small Loan Pamphlet (eff. Jan. 1, 2025)
• Indiana Small Loan Requirements (SSN/TIN)

Policies

• Refund Policy

Nationwide Supervisory Agreements signed by Indiana

• State Federal Working Group: Recommended Practices for the Seamless Supervision of State-Chartered Banks
• Nationwide Cooperative Agreement
• Nationwide State-Federal Supervisory Agreement
• Nationwide Cooperative Agreement Multi-State Trust Institutions
• Letter Agreement Regarding Provision of Jointly Held Confidential Supervisory Information to the Financial Crimes Enforcement Network
• Memorandum of Understanding Between US Dept of Treasury Office of Foreign Asset Control and DFI
• Memorandum of Understanding Between US Dept of Treasury Financial Crimes Enforcement Network and the DFI
• Memorandum of Understanding between IRS and DFI Concerning Money Services Businesses and Certain Other Non-Bank Financial Institutions

Procedures

• Guidelines for Banks Issuing Subordinated Debt Securities at the Bank Level
• Lending Limit of Industrial Loan and Investment Companies
• Factors to Consider When Reviewing Branch/Relocation Applications