20 Novo
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Applicability: This guidance applies to all current or potential de novo state member banks and insured depository institutions that are or plan to become member banks of the Federal Reserve System, including those with $10 billion or less in total consolidated assets.
This letter1 provides guidance to Federal Reserve Banks regarding the supervision of de novo state member banks (de novos), and the evaluation of de novo insured depository institutions2 seeking to become state member banks. For purposes of this letter, an insured deposito