The Federal Reserve Bank has an internal appeals process for any institution examined by the Federal Reserve wishing to appeal an adverse supervisory determination in areas including, but not limited to, examination or inspection ratings, the adequacy of loan loss reserves, and significant loan classifications. The Reserve Bank and the Board of Governors continue to believe that objections to supervisory determinations are most effectively handled through the long-standing Federal Reserve practice of resolving problems informally during the course of the examination process. However, the attached procedures clarify the steps an institution should follow if that institution chooses to appeal a material supervisory determination, with the assurance that there will be no negative repercussions.

Appeals Process