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Communications
Flood Insurance Inquiries for FDIC Ombudsman
Bankers have recently directed questions regarding Flood Insurance to the FDIC Office of the Ombudsman.
The prime resource for flood insurance information is the Federal Emergency Management Agency (FEMA), which manages the National Flood Insurance Program. FEMA provides an informative Flood Insurance Manual which was just updated with changes effective May 1, 2011. The manual is available on the FEMA website:
http://www.fema.gov/pdf/nfip/manual201105/index.pdfThe FDIC provided regulatory guidance on federal flood insurance requirements in Financial Institutions Letter FIL 81-2001 and issued FIL 42-2009 to provide access to interagency questions and answers on flood insurance. Both Financial Institution Letters are available on the FDIC website:
http://www.fdic.gov/news/news/financial/Local FDIC examiners and FDIC regional office staff are available to answer questions and provide clarification. If you do not know whom to contact, the FDIC Office of the Ombudsman can provide referrals to subject matter experts within the FDIC. If you desire an independent, neutral or confidential resource, FDIC Ombudsman can research and provide answers to questions about flood insurance or about any FDIC policies or procedures. Concerns expressed and questions asked of FDIC Ombudsmen are confidential unless you provide express permission to share the information beyond the Office of the Ombudsman.
If you are having difficulties with the FDIC, the FDIC's Office of the Ombudsman may be of assistance. The FDIC Office of the Ombudsman can help find a resolution to your problem by listening, clarifying the issues, and working with you and FDIC staff to reach an acceptable solution. The Office of the Ombudsman cannot make or overturn supervisory decisions. While FDIC Ombudsmen are neutral and do not take sides, they do advocate for fair process.
Feel free to contact FDIC Regional Ombudsman Tricia Wynegar for the Kansas City Region at 816 234-8091. Or you may call the Office of the Ombudsman staff in Washington, DC at 877 ASK-FDIC (choose Ombudsman option.)
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